Bank & Locations
We have branches across Texas in Bee Cave, Blanco, Boerne, Bulverde, Canyon Lake, Comfort, Dripping Springs, Fort Worth, Fredericksburg, Harper, Ingram, Johnson City, Kerrville, Kingsland, Lago Vista, Liberty Hill, Marble Falls, New Braunfels, Spicewood and Spring.
Use our location map to find information about the branch nearest you.
We have branches across Texas in Bee Cave, Blanco, Boerne, Bulverde, Canyon Lake, Comfort, Dripping Springs, Fort Worth, Fredericksburg, Harper, Ingram, Johnson City, Kerrville, Kingsland, Lago Vista, Liberty Hill, Marble Falls, New Braunfels, Spicewood and Spring.
Use our location map to find information about the branch nearest you.
Our open hours at every location are:
- Lobby Hours: Monday–Friday, 9:00 a.m. – 3:00 p.m.
- Drive-Thru: Monday–Friday 8:00 a.m. – 5:00 p.m.
- ATM: 24/7
- Interactive Teller Machine (ITM) with Live Teller Assistance: Monday–Friday, 8:00 a.m. – 6:00 p.m.
- Night Depository
Our open hours at every location are:
- Lobby Hours: Monday–Friday, 9:00 a.m. – 3:00 p.m.
- Drive-Thru: Monday–Friday 8:00 a.m. – 5:00 p.m.
- ATM: 24/7
- Interactive Teller Machine (ITM) with Live Teller Assistance: Monday–Friday, 8:00 a.m. – 6:00 p.m.
- Night Depository
SSB&T will be closed the following dates in 2026:
- New Year’s Day: Jan. 1
- Martin Luther King, Jr. Day: Jan. 19
- President’s Day: Feb. 16
- Good Friday (closed early): April 3 at 1:00 p.m.
- Memorial Day: May 25
- Juneteenth: June 19
- Independence Day: July 3 (observed)
- Labor Day: Sept. 7
- Columbus Day: Oct. 12
- Veteran’s Day: Nov. 11
- Thanksgiving Day: Nov. 26
- Christmas Eve (closed early): Dec. 24, 2026 at 1:00 p.m.
- Christmas Day: Dec. 25
You can bank anytime, anywhere with our free SSB&T Mobile App and Online Banking.
SSB&T will be closed the following dates in 2026:
- New Year’s Day: Jan. 1
- Martin Luther King, Jr. Day: Jan. 19
- President’s Day: Feb. 16
- Good Friday (closed early): April 3 at 1:00 p.m.
- Memorial Day: May 25
- Juneteenth: June 19
- Independence Day: July 3 (observed)
- Labor Day: Sept. 7
- Columbus Day: Oct. 12
- Veteran’s Day: Nov. 11
- Thanksgiving Day: Nov. 26
- Christmas Eve (closed early): Dec. 24, 2026 at 1:00 p.m.
- Christmas Day: Dec. 25
You can bank anytime, anywhere with our free SSB&T Mobile App and Online Banking.
Yes. We are an entirely Texas bank. We were founded here, our owners live here and we do all our business here.
Yes. We are an entirely Texas bank. We were founded here, our owners live here and we do all our business here.
We’ve been serving Texas communities since our founding in Fredericksburg, Texas in 1941.
We’ve been serving Texas communities since our founding in Fredericksburg, Texas in 1941.
Customers rave about our friendly, helpful people. We always put service over sales. Whether you walk in or call, you’ll be immediately connected to a real person who can help you, instead of dealing with an automated voice or being passed around. And we hire to build decades-long careers, which means you usually see the same people, who know your name and know how to help you.
Customers rave about our friendly, helpful people. We always put service over sales. Whether you walk in or call, you’ll be immediately connected to a real person who can help you, instead of dealing with an automated voice or being passed around. And we hire to build decades-long careers, which means you usually see the same people, who know your name and know how to help you.
Yes and yes. We have 21 ATMs around the state available to our customers for free around the clock, including ATMs in every branch, where you can make deposits and withdrawals.
Use our ATM map to find the one nearest you.
Yes and yes. We have 21 ATMs around the state available to our customers for free around the clock, including ATMs in every branch, where you can make deposits and withdrawals.
Use our ATM map to find the one nearest you.
Yes, you can deposit cash or checks at any of our ATMs.
Use our ATM map to find the one nearest you.
Yes, you can deposit cash or checks at any of our ATMs.
Use our ATM map to find the one nearest you.
An Interactive Teller Machine (ITM) functions just like an ATM but allows you to talk to a real person, live on screen; it’s another way to cash checks and make deposits from the comfort and security of your car.
An Interactive Teller Machine (ITM) functions just like an ATM but allows you to talk to a real person, live on screen; it’s another way to cash checks and make deposits from the comfort and security of your car.
Our main customer service phone number is: 800-880-0649. During business hours, a real person will answer.
If you specifically need to report a lost or stolen debit or credit card, you can call this phone number around the clock: 800-500-1044.
Our main customer service phone number is: 800-880-0649. During business hours, a real person will answer.
If you specifically need to report a lost or stolen debit or credit card, you can call this phone number around the clock: 800-500-1044.
Accounts & Services
You can open an account online here, or find your nearest branch so you can talk to us in person about your options and open an account. You’ll need a government issued photo ID, such as a driver’s license and $50 as your opening deposit.
You can open an account online here, or find your nearest branch so you can talk to us in person about your options and open an account. You’ll need a government issued photo ID, such as a driver’s license and $50 as your opening deposit.
Security State Bank & Trust offers three types of checking accounts. Simply Free Checking is the easiest way to avoid fees (the only fees are if you overdraw). Security 50 Checking offers no fees (except in case of overdrafts) for people over age 50. And Top Tier Interest Checking offers the best returns for people who can maintain a monthly balance of $1,000 (there is a $10 fee if your balance dips below $1,000 on the last day of the month).
Security State Bank & Trust offers three types of checking accounts. Simply Free Checking is the easiest way to avoid fees (the only fees are if you overdraw). Security 50 Checking offers no fees (except in case of overdrafts) for people over age 50. And Top Tier Interest Checking offers the best returns for people who can maintain a monthly balance of $1,000 (there is a $10 fee if your balance dips below $1,000 on the last day of the month).
Security State Bank & Trust offers a variety of savings options to meet your needs.
- Personal Savings – No monthly fee
- Personal Choice Money Market – Higher interest rates with a $10 monthly fee (avoidable if you maintain a balance of $2,500 or more)
- Business Savings – No monthly fee
- Business Choice Money Market – Higher interest rates with a $10 monthly fee (avoidable if you maintain a balance of $2,500 or more)
More about personal savings. | More about business savings.
We also offer Certificates of Deposit (CDs), which ensure a specific return in exchange for locking in your funds temporarily.
Security State Bank & Trust offers a variety of savings options to meet your needs.
- Personal Savings – No monthly fee
- Personal Choice Money Market – Higher interest rates with a $10 monthly fee (avoidable if you maintain a balance of $2,500 or more)
- Business Savings – No monthly fee
- Business Choice Money Market – Higher interest rates with a $10 monthly fee (avoidable if you maintain a balance of $2,500 or more)
More about personal savings. | More about business savings.
We also offer Certificates of Deposit (CDs), which ensure a specific return in exchange for locking in your funds temporarily.
The Security State Bank & Trust routing number is 114921949.
The Security State Bank & Trust routing number is 114921949.
You’ll need to set up direct deposit with your employer (or whomever is paying you). They will typically provide you with a direct deposit form, which will require your account number and our routing number (which is 114921949). You can find both printed at the bottom of your SSB&T checks. You may also need to provide them with a voided check or deposit slip. Additionally customers can go into their SSB&T Mobile App and go to the ClickSWITCH button and it will help a customer conveniently set up direct deposit through the prompts.
You’ll need to set up direct deposit with your employer (or whomever is paying you). They will typically provide you with a direct deposit form, which will require your account number and our routing number (which is 114921949). You can find both printed at the bottom of your SSB&T checks. You may also need to provide them with a voided check or deposit slip. Additionally customers can go into their SSB&T Mobile App and go to the ClickSWITCH button and it will help a customer conveniently set up direct deposit through the prompts.
Call 866-633-5293 to activate your Security State Bank & Trust debit card or to set up or change your personal identification number (PIN).
Call 866-633-5293 to activate your Security State Bank & Trust debit card or to set up or change your personal identification number (PIN).
Yes, we offer secure Mobile and Online Banking, including:
- Mobile deposit
- Debit card controls
- Budgeting tools
- Transfers
- Mobile wallet
- Much more
Additional business services including:
- Electronic Funds Tax Payment Services (EFTPS)
- ACH origination with dual control
- Mobile authorizations for ACH and wires
- Direct deposit payroll
- Treasury solutions
- Merchant services
- NACHA import
- Much more
See more of our mobile and online offerings.
Yes, we offer secure Mobile and Online Banking, including:
- Mobile deposit
- Debit card controls
- Budgeting tools
- Transfers
- Mobile wallet
- Much more
Additional business services including:
- Electronic Funds Tax Payment Services (EFTPS)
- ACH origination with dual control
- Mobile authorizations for ACH and wires
- Direct deposit payroll
- Treasury solutions
- Merchant services
- NACHA import
- Much more
See more of our mobile and online offerings.
- Download the SSB&T Mobile App from the App Store here
- Download the SSB&T Mobile App from Google Play here
- Download the SSB&T Mobile App from the App Store here
- Download the SSB&T Mobile App from Google Play here
We have multiple options for overdraft protection.
- All our checking accounts automatically come with Overdraft Coverage, which means we will strive to cover checks and ACH payments that overdraw your account (at our discretion) until you can cover them. While there is no monthly or annual fee, we will charge $30 each time you overdraw. You will never be charged if you never overdraw.
- You can also opt in to Overdraft Coverage PLUS, which strives to cover everyday debit transactions as well as checks and ACH payments. Again, the fee is $30 any time you overdraw, but you will never be charged if you never overdraw.
- Our recommended option is Overdraft Transfer, where you connect your checking account with another account, such as a savings account. This gives us permission to cover any overdrawn expenses using funds from your other account. It will only cost $7 each time we need to facilitate a transaction like this. There are no other fees for Overdraft Transfer.
Learn more about overdraft protection on our personal checking page.
If your finances are tight and you’re worried about overdrawing, we recommend our free financial literacy courses.
We have multiple options for overdraft protection.
- All our checking accounts automatically come with Overdraft Coverage, which means we will strive to cover checks and ACH payments that overdraw your account (at our discretion) until you can cover them. While there is no monthly or annual fee, we will charge $30 each time you overdraw. You will never be charged if you never overdraw.
- You can also opt in to Overdraft Coverage PLUS, which strives to cover everyday debit transactions as well as checks and ACH payments. Again, the fee is $30 any time you overdraw, but you will never be charged if you never overdraw.
- Our recommended option is Overdraft Transfer, where you connect your checking account with another account, such as a savings account. This gives us permission to cover any overdrawn expenses using funds from your other account. It will only cost $7 each time we need to facilitate a transaction like this. There are no other fees for Overdraft Transfer.
Learn more about overdraft protection on our personal checking page.
If your finances are tight and you’re worried about overdrawing, we recommend our free financial literacy courses.
Loans
We offer a variety of standard loans as well as many loan types that others don’t offer, such as jumbo mortgages, bridge loans, and lot and construction loans. Explore them here:
Personal/Consumer Loans
Business/Commercial Loans
We offer a variety of standard loans as well as many loan types that others don’t offer, such as jumbo mortgages, bridge loans, and lot and construction loans. Explore them here:
Personal/Consumer Loans
Business/Commercial Loans
Rates change often, so contact us for the latest.
Rates change often, so contact us for the latest.
You can apply for any loan by talking to one of our loan officers by phone or in-person. This ensures we understand your needs and can find you the best rate possible. Find a loan officer at a branch near you. If you need a mortgage, you also have the option of applying online.
You can apply for any loan by talking to one of our loan officers by phone or in-person. This ensures we understand your needs and can find you the best rate possible. Find a loan officer at a branch near you. If you need a mortgage, you also have the option of applying online.
Yes, home equity loans are one of the many forms of loans we offer. Learn more home equity for renovations or for any purpose.
Yes, home equity loans are one of the many forms of loans we offer. Learn more home equity for renovations or for any purpose.
You can apply for a mortgage online here. But for any other loan, or to ensure you can get the best possible rates, find a loan officer at a branch near you.
You can apply for a mortgage online here. But for any other loan, or to ensure you can get the best possible rates, find a loan officer at a branch near you.
SSB&T Wealth
Wealth management involves advising you on all kinds of ways to manage your assets, from investments to estate planning, tax strategies, insurance needs and more. We help you build a comprehensive picture of where you are financially and where you want to go, then help you understand the different paths to get there. Learn more at SSB&T Wealth.
Wealth management involves advising you on all kinds of ways to manage your assets, from investments to estate planning, tax strategies, insurance needs and more. We help you build a comprehensive picture of where you are financially and where you want to go, then help you understand the different paths to get there. Learn more at SSB&T Wealth.
Security State Bank & Trust offers a full range of personal trust, investment management and estate settlement services to individuals, businesses, charitable institutions and non-profit organizations. Learn more about SSB&T Wealth.
Security State Bank & Trust offers a full range of personal trust, investment management and estate settlement services to individuals, businesses, charitable institutions and non-profit organizations. Learn more about SSB&T Wealth.
We use a fee-only model, meaning we deduct our fee quarterly from your account – no kickbacks, referral fees, or hidden commissions from product sales – so our advice isn't influenced by what pays us the most commission; it’s only influenced by what is truly best for you. We do well when you do well.
We use a fee-only model, meaning we deduct our fee quarterly from your account – no kickbacks, referral fees, or hidden commissions from product sales – so our advice isn't influenced by what pays us the most commission; it’s only influenced by what is truly best for you. We do well when you do well.
The first planning meeting typically lasts about 90 minutes, and we can meet in person or by video. After that, we typically meet twice per year to review your plan’s performance and make adjustments based on any changes in your life. We coordinate with your other advisors, such as your attorney, CPA and insurance agent, to keep everyone on the same page. And our team is on retainer, available to you Monday through Friday, 9 a.m. to 5 p.m., so contact us any time with questions, concerns or changes.
The first planning meeting typically lasts about 90 minutes, and we can meet in person or by video. After that, we typically meet twice per year to review your plan’s performance and make adjustments based on any changes in your life. We coordinate with your other advisors, such as your attorney, CPA and insurance agent, to keep everyone on the same page. And our team is on retainer, available to you Monday through Friday, 9 a.m. to 5 p.m., so contact us any time with questions, concerns or changes.
We build portfolios based on three elements of risk: how you feel about risk, how much you can take on, and how much you need to take on to reach your goals. Overall, we believe in:
- Minimizing costs and taxes
- Global diversification
- Long term strategies over market timing
- Proven evidence over fads
We build portfolios based on three elements of risk: how you feel about risk, how much you can take on, and how much you need to take on to reach your goals. Overall, we believe in:
- Minimizing costs and taxes
- Global diversification
- Long term strategies over market timing
- Proven evidence over fads
We’re legally required to put your interests ahead of our own. We follow the National Association of Personal Financial Advisors (NAPFA) Fiduciary Oath, which means we always act in good faith, are upfront about any conflicts of interest, and don't get paid by anyone except you.
We’re legally required to put your interests ahead of our own. We follow the National Association of Personal Financial Advisors (NAPFA) Fiduciary Oath, which means we always act in good faith, are upfront about any conflicts of interest, and don't get paid by anyone except you.
Meet the team and explore their credentials at SSB&T Wealth.
Meet the team and explore their credentials at SSB&T Wealth.
Community & Fraud Prevention
We’re always looking for ways to invest in the health of our communities. We’ve given millions of dollars and volunteered thousands of hours through a variety of sponsorships and causes. Specifically, we prioritize causes in education, including financial literacy; hard work, including agriculture and veterans; local needs, including community services and economic development; and experiences, including the arts and nature conservation. See some of our recent community work.
We’re always looking for ways to invest in the health of our communities. We’ve given millions of dollars and volunteered thousands of hours through a variety of sponsorships and causes. Specifically, we prioritize causes in education, including financial literacy; hard work, including agriculture and veterans; local needs, including community services and economic development; and experiences, including the arts and nature conservation. See some of our recent community work.
Yes, we have lots of free resources to help you pay off debt and make the most of your money, from our ongoing blog articles to our free online courses. We also teach courses in local high schools to ensure the next generation of Texans is set up for success.
Yes, we have lots of free resources to help you pay off debt and make the most of your money, from our ongoing blog articles to our free online courses. We also teach courses in local high schools to ensure the next generation of Texans is set up for success.
Check out our fraud education page. You can learn about recent scams as well as tips for avoiding scams in whatever form they take. In general, you should never provide personal or financial information to anyone who has contacted you, either by phone or email. If you think there is a problem with your account or that someone has made a fraudulent charge, call us at 800-500-1044 or open a new window and type our web address directly into your browser, then login and check your accounts yourself. Do not click on links in your email or respond to calls or texts asking for personal information.
Check out our fraud education page. You can learn about recent scams as well as tips for avoiding scams in whatever form they take. In general, you should never provide personal or financial information to anyone who has contacted you, either by phone or email. If you think there is a problem with your account or that someone has made a fraudulent charge, call us at 800-500-1044 or open a new window and type our web address directly into your browser, then login and check your accounts yourself. Do not click on links in your email or respond to calls or texts asking for personal information.
If you have lost your debit card or someone has stolen the card or the number, call the vendor at 800-500-1044. You also have the ability to freeze your debit card in our top-rated SSB&T Mobile App.
If you have lost your SSB&T credit card or someone has stolen the credit card or the number, call us at 800-367-7576.
If you’re concerned about your other accounts being compromised, call our customer service number at 800-880-0649.
If you have lost your debit card or someone has stolen the card or the number, call the vendor at 800-500-1044. You also have the ability to freeze your debit card in our top-rated SSB&T Mobile App.
If you have lost your SSB&T credit card or someone has stolen the credit card or the number, call us at 800-367-7576.
If you’re concerned about your other accounts being compromised, call our customer service number at 800-880-0649.
Our financial literacy tool is available to teachers at no charge to utilize in their classroom with students. The modules are interactive and educational. Teachers can request workbooks and we'd be happy to come into the class room.
If interested please contact our Community Relations team member, Jeannie Wanhainen.
Our financial literacy tool is available to teachers at no charge to utilize in their classroom with students. The modules are interactive and educational. Teachers can request workbooks and we'd be happy to come into the class room.
If interested please contact our Community Relations team member, Jeannie Wanhainen.
