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Security Savings Bank

Offices & ATMs    ATMs Only

Important Changes for Depositors

Please review these important changes impacting depositors.

Anytime Telephone Access

Security Savings Bank’s Anytime Telephone Access has transitioned to NewBridge Bank Telephone Banking and your Personal Identification Number (“PIN”) has been reset. When you access Telephone Banking for the first time, your default PIN will be the last four digits of your social security number or taxpayer identification number. After accessing the system, you will be prompted to change your PIN.

As a reminder, Anytime Telephone Access has transitioned to NewBridge Bank Telephone Banking. Please enjoy unlimited access to this service by calling 800-991-4243.

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Debit Cards and ATM Services

You should have received a NewBridge Bank MasterCard Debit Card which you can use to access ATMs and make everyday purchases at millions of retailers worldwide. You can also use your NewBridge Bank Debit Card to avoid unnecessary ATM fees by requesting cash back at participating merchants (like grocery stores, drug stores, gas stations, etc.) when you pay with your Debit Card.

Because of our large ATM network (42 ATMs throughout North Carolina) and cash back capabilities with our Debit Cards, NewBridge Bank does not offer complimentary ATM withdrawals and balance inquiries at non-NewBridge Bank ATMs. Also, we do not refund applicable surcharges assessed by the operator of non-NewBridge Bank ATMs. Each time you use an ATM that NewBridge Bank does not own or operate for cash withdrawals and/or balance inquiries, NewBridge Bank will assess a $2 fee and you may also pay a surcharge from the ATM operator.

Please also review frequently asked questions about your NewBridge Bank Debit Card.

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eStatements Login

Security Savings Bank’s eStatements Login has been retired. If you would like to continue receiving eStatements, please enroll in NewBridge Bank’s Online Banking at You will be given an opportunity to enroll in eStatements during the enrollment process.

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Check Images

NewBridge Bank’s Online Banking allows you to view and print check images; hence, we do not include check images with our monthly statements. If you would like to continue receiving check images with your statements, please contact your local banking professional who can activate this feature for a $2 monthly fee.

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Payment Order of Items

NewBridge Bank’s operating system processes transactions differently than Security Savings Bank’s system. More specifically, at the conclusion of the day, our system initiates a nightly posting process. Through this process, when paying items drawn on your account, our policy is to pay all non-check items from lowest to highest dollar amount and all check items (when a check number is detected) from lowest to highest check number sequence, for the following seven categories in the order in which they’re listed:

  1. Point-of-Sale (POS) items post first.
    Example: Purchase at a gas station, grocery store, restaurant or other merchant using your Debit Card with or without signature. 
  2. Automated Teller Machine (ATM) items post second.
    Example: Withdrawal or transfer of funds at any ATM.
  3. Over the counter teller items post third.
    Example: Checks presented to a merchant that bank with us or any teller cashed item.
  4. Recurring debit card transactions post fourth.
    Example: Recurring payments set up by you using your Debit Card account number; these could include, but are not limited to, magazine subscriptions, membership dues, monthly service fees, etc.
  5. Electronic transfer items post fifth.
    Example: Transfers between your accounts via telephone, online banking, mobile banking or wire transfer.
  6. Automated Clearing House (ACH) debit items post sixth.
    Example: Electronic draft or payment from your account. These transactions could include, but are not limited to, mortgage payments or utility payments that were initiated by you via the Web or by agreement to draft.
  7. All other checks coming in through the Federal Reserve will post to your account last.
    Example: Checks written that are deposited first to another institution for deposit and delivered to NewBridge Bank via the Federal Reserve for payment.

The order in which items are paid is important if there are not enough funds in your account to pay all of the items that are presented. ltem(s) presented without sufficient funds in your account to pay the item(s) may be paid (causing an overdraft) or returned at our discretion. We encourage you to keep careful financial records and practice good account management which will help you avoid writing checks or authorizing othertransactions that may overdraw your account or be returned, both of which result in additional cost in the form of overdraft or returned item fees.

Please note: You can review our entire “Notice Regarding Payment Order of Items” in our “North Carolina, Additional Terms and Conditions” disclosure in our Account Disclosures booklet.

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Funds Availability

After the transition, you will experience changes to the availability of funds on all checks deposited with NewBridge Bank.

Deposited checks drawn from NewBridge Bank accounts (on us) and Government Treasury checks (like Social Security, Supplemental Security Income, tax refunds, etc.) will not be immediately available for withdrawal at the teller line, ATM or Point-of- Sale transactions. However, they will be made available to cover checks and other debits presented for payment during that day’s nightly posting process.

Deposited checks drawn from other banks (not on us) including cashier’s checks, money orders, travelers checks, etc. will not be immediately available for withdrawal at the teller line, AT M, and Point-of-Sale transactions, or to cover checks and other debits presented for payment through that day’s nightly posting process. However, they will be made available on the next day for withdrawal at the teller line, ATM and Point-of-Sale transactions, and to cover checks and other debits that post to the account through the next day’s nightly posting process.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. If a check you deposit is returned to us unpaid for any reason, you will have to repay us and we may charge your account for the amount of the check, even if doing so overdraws your account and initiates an overdraft fee.

Please note: You can review our entire funds availability policy by reading “Your Ability to Withdraw Funds” included in our Account Disclosures booklet.

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