Personal Checking

Shelby State Bank offers you options with simplicity for the checking account that serves you every day.

Freedom Checking Accounts

All Freedom Checking accounts include a free ATM debit card, no-fee SSB ATM transactions, free online banking and billpay, free mobile banking and billpay, free mobile deposit, free telephone banking, unlimited check writing and some require no minimum balance and have no monthly fees.

For faster access to your paycheck, get Direct Deposit by printing out this card and providing it to your employer!

Compare your options below. (Health Savings Accounts with checks and debit card also available!)

We are at your service and welcome you to stop by any of our branch offices to open a new account. If you prefer, you can set an appointment ahead of time and we will have everything you need waiting for you! Call the office of your choice today!

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Compare your options below.

Scroll right to compare accounts.


Man and Woman using a debit card online

ATM/Debit Cards

All Freedom Checking accounts are accessible via ATM/Debit card. To order your ATM/Debit Card, please stop in or call your local Shelby State Bank office.

To report a lost or stolen card 24/7, call 1-800-472-3272 24 hours a day or contact your local SSB office immediately during regular banking hours. If you have the Shelby State Bank mobile app, use the card controls to turn your debit card off until it is found or replaced. If you don’t have our app yet, download it from the App Store or Google Play today!

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Overdraft Privilege - using a credit card at store

Overdraft Privilege

To protect you from the cost and inconvenience of declined debit transactions and returned checks, Shelby State Bank offers Overdraft Privilege with each Freedom Checking account. For a fee per occurrence, Overdraft Privilege may cover overdrawn transactions up to the specified limit. Contact your local branch for more information on this service.


FDIC Deposit Insurance

All Shelby State Bank deposit accounts are insured up to $250,000 by FDIC. For more information or to estimate your current FDIC coverage, please visit the FDIC (Federal Deposit Insurance Corporation) website at

Click here for an interactive worksheet to help with balancing your statement.

If you need to dispute a transaction related to your debit card, click below.