About Security Savings Bank

Which branches have an ATM on site?

Dayton:  located in Drive-thru lane  (drive-up)
Gowrie:  located in front entrance   (walk-up)

Where are your branches located?

Boxholm 202 Beach Street 515-846-6281
Dayton 102 S Main 515-547-2274
Farnhamville 320 Garfield Avenue 515-544-3281
Gowrie 1015 Market Street 515-352-3333
Harcourt 127 S Ash Street 515-354-5222
Lehigh 116 Main Street 515-359-2150

What is the bank’s routing (ABA) number?

The bank’s routing number is 073918077.

What are your hours of operation?


Lobby Hours:
Monday-Friday  8 a.m. - 3:30 p.m.

Drive-thru Hours:
Monday-Friday  8 a.m. - 3:30 p.m.
Saturday  8 a.m. - 10 a.m.


Lobby Hours:
Monday-Friday 8 a.m. – 3:30 p.m.

Drive-thru Hours:
Monday-Thursday 8 a.m. – 3:30 p.m.
Friday 8 a.m. – 5:30 p.m.
Saturday 8a.m. – 12 p.m.


Lobby Hours:
Monday-Friday 7:30 a.m. - 3:30 p.m.

Drive-thru Hours:
Monday-Friday 7:30 a.m. - 4:30 p.m.


Lobby Hours:
Monday-Friday 8 a.m. - 3:30 p.m.
Saturday 8 a.m. - 12 p.m.

Drive-thru Hours:
Monday-Thursday 8 a.m. – 5 p.m.
Friday 8 a.m. – 6 p.m.
Saturday 8 a.m - 12 p.m.

Harcourt Lobby Hours:
Monday-Thursday 8 a.m. - 3:30 p.m.
Friday 8 a.m. – 5:30 p.m.
Lehigh Lobby Hours:
Monday-Thursday 8 a.m. - 3:30 p.m.
Friday 8 a.m. – 5:30 p.m.

Online Banking

Who can use the Internet Bill Payment service?

Anyone who has access to a transaction account in Online Banking is eligible to use the Online Banking Bill Payment service once they have been authorized to do so by our financial institution. To sign up for our Online Banking Bill Payment service, select the "Bill Pay" option for the account(s) you wish to make payments from when you enroll for Online Banking. If you are already enrolled in Online Banking, just contact our financial institution using our Online Banking secure email service and let us know which account(s) you wish to make payments from.

What if I forgot my Access ID or password?

If you’ve forgotten your Access ID, call your local Security Savings Bank during normal business hours and a Customer Service Representative will be able to direct your call to the appropriate staff member to help you.  If you’ve forgotten your password, enter your Access ID on the log-in page and select the “Forgot Your Passcode?” link.  You will be able to respond to the authentication question you set up when you established your online banking account.  Once you have successfully answered the authentication question, you’ll be prompted to reset your password.  If you are unable to answer the authentication question or need additional help, call your local Security Savings Bank for further support.

What hours is Online Banking available?

Access to the online banking system is available 24 hours a day, 7 days a week except during occasional system maintenance.

What do I need to enroll for Online Banking?

You must have an account with us, and you must have a secure Internet connection. Our Online Banking system currently is best viewed with the latest versions of Internet Explorer and Firefox. Your browser must also be SSL compliant with 128 bit encryption.

What can I do with Online Banking?

With Online Banking, you have control over nearly every aspect of managing your accounts. You can:

  • View transaction history on your Online Banking accounts.
  • Transfer funds between your authorized Online Banking accounts.
  • Pay one-time, occasional, and recurring payments online.
  • Download account information into Quicken® or Microsoft® Money.
  • Send and receive secure electronic messages to and from our financial institution.

What can I do to protect my account information while I’m online?

We take numerous steps to keep your account information secure. However, you must take precautions as well.

  • Choose a good passcode - Your online passcode, along with your access ID, authenticate you when you begin an Online Banking session. You should carefully select a passcode that is hard to guess. You should not use personal information or a word that can be found in the dictionary.
  • Keep your passcode safe - Even the best passcode is worthless if it’s written on a note attached to your computer or in your checkbook. Memorize your passcode and never tell it to anyone. We do not need your passcode to help you, so we will never ask you for it.
  • Change your passcode regularly - It’s important to change your passcode regularly. Every time you choose a new passcode, the Online Banking system runs a quick program to test it. If we can guess it, we will immediately ask you to choose another one.
  • Remember to sign-off properly - You may not always be at your own computer when you bank online. Therefore, it’s important to sign off when you’re finished banking. If you forget to do so, the system automatically signs you off after 10 minutes of inactivity. This will prevent anyone else from accessing your account.

How long will it take to get registered for the Internet Bill Payment service?

Once you submit your online application, it will usually take two to three business days while we verify your account.

How long will it take to get registered for Internet Bill Payment?

If you are already enrolled in Online Banking, it will usually take one or two business days while we verify your account.

How does the Internet Bill Payment service work?

Our Online Banking Bill Payment service offered through Online Banking allows you to set up payments to just about anyone. You tell us the person or company you want to make a payment to, and we will withdraw the money from your account and send the payment to the payee. You may schedule one-time, occasional, or recurring payments to be paid right away or a date in the future.

How do I sign up for Online Banking?

If you already have an account with us, please click here to complete our online application. If you’re not a current account holder, just stop by and open an account in person today!

Debit Cards

When shopping On-Line, I received a notification for MasterCard® SecureCode …What is it?

Due to mandatory MasterCard® security enhancements, your SHAZAM®  Debit Card has been pre-enrolled for MasterCard® SecureCode.  This is a complimentary, new online security service to add protection against unauthorized use of your card online.  The next time you shop online at a participating merchant, a window will appear from Shazam.

Every time you pay online at a participating merchant with your Security Savings Bank Debit MasterCard, you will be automatically prompted to enter your own private SecureCode - just like entering a PIN at the ATM. With MasterCard SecureCode , only you and the people you designate can make online purchases using your Security Savings Bank Debit MasterCard at participating online merchants. And, of course, your SecureCode is completely private.

Choosing your own private SecureCode is quick and easy. You can visit and enroll your card by following the simple steps. Or, at participating online merchants, you’ll be prompted to create your own SecureCode prior to checkout. When this happens, a window from SHAZAM will appear and you’ll be guided through the simple enrollment process before your purchase is completed. Once you’ve created your private SecureCode, you must then use it for future purchases at participating online merchants.

If you have any questions about how to create or use your SecureCode, please visit or call us for more information.


What should I do if I forget my PIN?

Please refer to your PIN mailer.  This should be kept in a secure place away from your card.  You are the only one who has access to your PIN.  If you are still unable to remember and/or find your PIN, a replacement can be ordered.  This will be shipped directly to you from SHAZAM®’s secured card vendor.  However If you prefer, you can request an EZ PIN.

What do I do if my card is lost or stolen?

Contact SHAZAM® or the bank as soon as you realize that it is missing!!  By doing this, your card can be “Hot Carded” immediately and any unauthorized transactions can be stopped.  SHAZAM®   (800) 383-8000

Should I keep my PIN number written down in my purse/wallet, just in case I’m at an ATM and can’t remember it?

No.  Never keep your PIN in the same vicinity as your card.  This makes it too easy for a criminal to use your card if they have it.  Even if you think it is disguised well as a phone number or address, a clever thief knows what to try.

I received my card, but have not received my PIN. What should I do?

Please note that cards and PIN’s are sent to you in separate envelopes.  Your PIN should arrive 1 to 3 business days after you receive your card.  If after 4 days, you still have not received you PIN, contact the bank and we will make sure that it was ordered and shipped correctly.

I made a deposit at the bank yesterday, but when I went to the ATM last night, my deposit was not included in my balance. How long will it take for the ATM balance to include my deposit?

It depends on what time of day you make your deposit.  We send a balance file to SHAZAM® every morning, Monday thru Friday, with the previous day’s balance.  We send additional balance files at approximately 12:30 pm and 4:30 p.m.  If you make a deposit on Monday before 3:30, the balance on the ATM will reflect this deposit Monday evening.  If you make a deposit on Monday after 3:30, the balance on the ATM will not reflect this deposit until Tuesday afternoon.

How long will it take for my card to come in?

Debit card orders usually take anywhere from 7 to 10 business days for you to receive them in the mail.  Cards and PIN’s come in VERY PLAIN envelopes do not throw them away mistaking them for “junk mail.”

Does my card have withdrawal limits?

Yes.  Unless requested by the customer, the default limits for SHAZAM® debit cards are as follows:
$  300.00 - Daily limit - All PIN & Signature based - The daily limit is the maximum dollar amount the cardholder can spend in a 24 hr, from midnight to midnight, each day
$  200.00 - Unmanned limit - PIN based only - The unmanned limit applies only to transactions the cardholder initiates at an ATM
$  900.00 - 3-day limit (any 72 hr. time period).

Do I need to let anyone know if I am going to be using my debit card when I travel?

Yes.  If you are going to be traveling either within the United States or internationally, you will want to call us to let us know where you will be traveling to and the dates of travel.  This will alert us to debit card activity that might otherwise appear as suspicious or fraudulent.

Can I have a SHAZAM® debit card without having a checking account, just a savings account?

No.  In order to have a SHAZAM® debit card, it must be linked to a checking account.  The debit card can be linked to a savings account as a second account, but not by itself.

Can I choose my own PIN?

Yes.  Security Savings Bank offers the EZ PIN option for all Debit Cards.  Once you receive your card in the mail or if you have forgotten your other PIN number, visit or call the Security Savings Bank location closest to you and they will get an EZ PIN reference number assigned to your card so you will be able to create your PIN.

General Topics

I’ve moved. How do I notify you of my new address?

Please send us written notification of your change of address accompanied by an original signature.  Or, log into your Personal Internet Banking account, click on “User Services” then “Change Address Information” and submit an address change.
Mailed requests can be sent to:

Security Savings Bank
PO Box 126
Farnhamville, IA  50538

Are my deposits safe?

Yes.  All of your accounts are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000 per depositor.  Please visit the FDIC website for additional details. 

How do I reorder checks?

You can reorder checks online by going to Main Street Checks or by calling or visiting your local Security Savings Bank office.

How can I access my account information over the phone?

You can obtain current account balances, hear recent transactions, transfer funds between accounts and more by dialing 515-544-3307 (local) or 800-957-7447.  You will be asked to enter the following information for verification purposes:

  1. Security Code:  last 4 digits of primary account owner’s social security number.
  2. Customer Number:  primary account owner’s social security number

myPic Debit Card

Whom do I contact if I have questions?

Any one of our Customer Service Representatives will be able to answer your questions, just stop in or call (515) 352-3333.

Who's eligible for a personalized debit card?

Customers who have a Security Savings Bank checking account with a debit card MasterCard®.  Debit card subject to approval if you don’t have a current card.

What is a PAN number?

The Primary Account Number (PAN) is the 16 digits listed on the front of the card, starting with 5429 6658.

What images are not acceptable?

Please see our Image Guidelines for our criteria for acceptable photo submissions. Security Savings Bank, reserves the right to reject any image we believe violates our Image Guidelines. If an image is rejected, you will be notified by e-mail within two business days. You may submit a new image anytime following your rejection notification.

What if my card is lost or stolen?

To report a lost or stolen debit card, contact the Security Savings Bank during banking hours 515-352-3333 ( or you may call the 24-hour lost/stolen card line at (800)383-8000.

What happens when my card expires?

Upon expiration of your card, a new card will be sent with the last image uploaded.  If you haven’t uploaded any new pictures, you will be issued the same image as your most recent card. Before your card expires, you may upload a new picture for your new card.

How will I receive my personalized card?

Your card will be mailed to you via the US Postal Service.

How often can I change the photo on my personalized debit card?

You can change your card as often as you like. If you order a new personalized card before your card expires, it will issue a new card with a two year expiration date from the date you ordered it.  Keep in mind that the $15 fee will be applied for each new card ordered.

How much does it cost?

The fee each time you order a personalized debit card is $15.00 per card.  The fee will be deducted from your checking account linked to your debit card.

How long will it take to receive my card?

After your request has been submitted and approved, you can expect your card to be mailed within 7-10 business days.

How does my photo get approved?

Every submitted image is reviewed for compliance with the Image Guidelines. You will receive an email whether the card’s photo was approved or denied.