Frequently Asked Questions - FAQ's

Our Online Banking System stores about 60 days worth of history. To obtain a copy of a check that is no longer listed please contact us. The bank archives check copies (both front and back) for at least seven years.

If you are using Internet Explorer on the Apple Mac, the Bill Pay screen will be garbled. Please use the Safari browser.

Cookies must be accepted in order to access online bill pay.To fix this problem select the browser you use and follow the instructions below for accepting cookies.

Google Chrome

1. Click the menu icon on the browser toolbar.
2. Select Settings.
3. Click the Show advanced settings... link.
4. Click Content Settings... in the "privacy" section.
5. In the "Cookies" section of the dialog that appears, make sure Allow local data to be set is selected to allow both first-party and third-party cookies.
6. Click Close.

Internet Explorer

1. Click on the Internet Explorer icon to open the browser (if not already open).
2. Click the Tools button and then click Internet options.
3. Click the Privacy tab, and under Settings, move the slider to the bottom to allow cookies, and then tap or click OK.

Firefox

1. Click the menu button and choose Options.
2. Select the Privacy panel.
3. Set Firefox Will: to use custom settings for history.
4. Check mark Accept cookies from sites to enable Cookies.
5. Set Accept third-party cookies: to Always
6. Set Keep until: to they expire
7. Close the preferences page. Any changes you've made will automatically be saved.

Safari

1. Open the Safari Browser. Select the Edit menu and click on Preferences
2. Click the Security icon to bring up cookie options.
3. In the Accept cookies section select Always.
4. Close the window.

• Log into our Online Banking System and click on the icon "Other Services".
• Once the page is displayed look just below the "Other Services" icon for "Alerts".
• Click on the "Alerts" and fill in the appropriate boxes to produce an E-mail whenever an account goes above or below a certain balance.
• At the top of the form verify the Email address you want your alerts to be sent to.
• Under the "Configure Alert" section click the "Edit" button to choose what type of alert you would like or to enable or disable an existing alert.
• Under the "Balance Alerts" section you have the option to set alert parameters for specific accounts.
• When you are finishing filling out the required sections click the "Add Alert" button to complete the setup process

Your ISP (Internet Service Provider) is your gateway to the internet. The connection through your ISP must be working in order for you to connect to any website, including ours at sbsu.com. If you experience connection problems while attempting to log into our Online Banking Site, please check a few other interactive websites before calling our technical support at (435)865-2394. A problem connecting to other sites indicates that your ISP is having difficulty; SBSU tech support cannot help if this is the case.

Note: Interactive sites contain log-in screens or embedded links that change frequently, such as Yahoo.

Our system automatically allows you to see accounts assigned to your tax ID number (SSN or EIN) on which you are a sole or joint owner. If you do not see all of those account, please contact us at (435)865-2394 or E-mail us. We also have the ability to provide restricted access to other accounts on which you have signature authority but do not own, such as a business, organization, club or charity.

This error message is most likely caused because your browser is not set to accept cookies. To fix this problem select the browser you use and follow the instructions below for accepting cookies.

Google Chrome

1. Click the menu icon on the browser toolbar
2. Select Settings
3. Click Show advanced settings link
4. Click Content Setting in the "privacy" section
5. In the "Cookies" section of the dialog that appears, make sure Allow local data to be set is selected to allow both first-party and third-party cookies.
6. Click close.

Internet Explorer

1. Click on the Internet Explorer icon to open the browser (if not already opened)
2. Click the Tools button, and then click Internet Options
3. Click the Privacy tab, and under Settings, move the slider to the bottom to allow cookies, and then tap or click OK.

Firefox

1. Click the menu button and choose Options.
2. Select the Privacy panel.
3. Set Firefox Will: to use custom settings for history.
4. Check mark Accept cookies from sites to enable Cookies
5. Set Accept third-party cookies: to Always
6. Set Keep until: to they expire
7. Close the preferences page. Any changes you've made will automatically be saved.

Safari

1. Open the Safari Browser. Select the Edit menu and click on Preferences.
2. Click the Security icon to bring up cookie options
3. In the Accept cookies section select Always.
4. Close the window

SavvyMoney is a comprehensive Credit Score program offered by your financial institution, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how your financial institution can help save you money.

Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like Credit Score, when you check your credit report, there will be no impact to your score.

No. SavvyMoney is entirely free and no credit card information is required to register.

If you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed SavvyMoney site from within online banking.

SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.

No, State Bank of Southern Utah uses its own lending criteria for making loans.

No, your SavvyMoney Credit Score is a free service to help you understand your credit health, how you make improvements in your score and ways you can save money on your loans with State Bank of Southern Utah.

SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

SavvyMoney Credit Score can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You will also see offers on how you can save money on your new and existing loans with State Bank of Southern Utah.

The SavvyMoney Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

Based on your SavvyMoney Credit Score information, you may receive State Bank of Southern Utah offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and the SavvyMoney team, are designed to provide helpful tips on how you can manage credit and debt wisely.

No. Checking SavvyMoney Credit Score is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

Yes. SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile.

If you access SavvyMoney program through your online banking, you have to do nothing! Your email address will get updated automatically in SavvyMoney when you update it in online banking. However we always encourage you to inform your financial institution of any contact information updates.

If you signed up with SavvyMoney from our website, please log into the website and click on your name displayed on top right of the screen. Select the Profile link from the drop down, and follow instructions to update your information.

Yes, SavvyMoney Credit Score is available for both mobile and tablet devices and is integrated inside our mobile application.

Some retailers place pre-authorizations holds on your account before the transaction is finalized. Hold amounts depend upon the transaction and vendor. They usually disappear when the final transaction is transmitted to the bank. Occasionally, a pre-auth hold will remain on your account for up to three business days after the final transaction amount has arrived. Usually, the effect is not serious, as the bank ignores pre-auth holds when processing checks and ACH payments. However, the hold can reduce available funds and cause purchases or ATM withdrawals to be declined.

Contact the Card Department at 435-865-2331 to inquire about duplicate items.

Click here for a list of Approved Credit Counseling Agencies