Banking Services
Online Banking | Free Online Bill Pay | E-Alerts | Security I ATM Locations | ATM/Debit Cards | Telephone Banking | | Drive Thru Banking | Safe Deposit Boxes| Night Depository | Cashiers Checks | Online Mortgage Application | ZashPay
Online Banking
24 Hour access to your account(s)
- Transfer funds between your personal accounts
- View your bank statement
- Layered Authentication Security
- Export Capabilities to certain bookkeeping programs
Enroll Now
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Mobile Banking
- Check account balances
- View transaction history
- Transfer funds between accounts
- Pay bills
- Locate SFB offices and ATMs
Find out more
Frequently Asked Questions

Free Online Bill Pay
- FREE! No Monthly fee.
- Fast and convenient
- Confirmation for every payment made
- Payment history stored for six months

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ZashPaySM is the easy way to send money to anyone!
- Pay anyone using their mobile phone number or email, no matter where they bank¹
- The recipient will typically receive their money within one business day.
- Use this service for only $.50 per transaction, paid by sender.
- You must enroll in Bill Pay to use the ZashPay service.
Because ZashPay is part of Internet Banking sending money has never been more secure or convenient. The money goes directly from your Checking Account to your friend s account at any financial institution. The recipient will receive an email or text message with details to easily claim their money.
Enroll Today! Log onto Bill Pay and click Pay People to get started.
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1Recipient will need to enroll with ZashPay the first time they use this service. Text message rates may apply from the wireless provider. Recipient is not charged a ZashPay fee by SFB. Valid in U.S. only.
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Overnight Check Payment From Bill Pay
Overnight Check provides the capability to schedule certain paper payments to be delivered within one (1) Business Day rather than the standard multi-Business Day window within online bill pay. Depending on the Payee, the payment calendar within online bill pay will display the earliest date payment can arrive. Additionally it will display a fee to be charged of $14.95 if you chose the one (1) Business Day option. A paper check will be generated and delivered overnight to the party being paid.
The option is only available to retail online banking customers using bill pay.
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eAlerts
- Easily set up the notifications you would like to receive
- Alert notification sent to e-mail address of your choice
- Full message may be viewed from your online banking account
Online Mortgage Application
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- Apply for a mortgage loan 24/7 at your convenience with Stephens Federal Bank's Online Mortgage Application. Click on the following link to start your application today. Working with a specific loan officer? No problem. Choose your loan officer by name or lending area for personalized service. At Stephens Federal Bank, we re proud to provide service far beyond. Equal Housing Lender.
http://stephensfederalbank.mortgagewebcenter.com
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ATM Locations
- Main Office
2859 Hwy.17 Alt. Toccoa, GA 30577
- Doyle Street Office
12 East Doyle Street Toccoa, GA 30577
- Clayton Office
Hwy. 76 East Clayton, GA 30525
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ATM/Debit Cards
ATM Cards
- Apply for the Stephens Federal Bank ATM card for convenience and easy access to your money world wide. Subject to approval.
Debit Cards
- Apply for our MasterMoney Debit Card or MasterMoney Photo Debit Card for the ease of check free purchases on the go. Subject to approval.
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Telephone Banking
Give us a Buzz on the Bee Line.
24/7 Telephone Banking Service
1-800-842-5343
Get account balance, transfer funds, account activity, loan information and much more.
Please have your 10-digit account number handy. (Pin required for access.)
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Drive Thru Banking
Each banking office has drive thru banking windows for your convenience.
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Safe Deposit Boxes
Available at the following Stephens Federal Bank locations:
- Toccoa Main Office
- Clayton Branch Office
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Night Depository
Each banking office is equipped with a night depository for your use.
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Cashier's Checks
Cashier s Checks are available to our customers for a $5 fee.
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eStatements
A few of the most common ways thieves get your personal information are stealing your mail or purse/wallet and rummaging through your trash. Let Stephens Federal Bank help protect your identity and financial information with eStatements. This electronic version of your paper statements is securely stored, available only to you within Online Banking, and is a free service.
View your eStatements anytime by simply signing into Online Banking at:
https://fiserv.storedstatement.com/estatements/index.jsp?id=StephensFederal
and clicking the eStatements button within your checking account information. When you sign up you provide us with your current email address and we ll send an email with a link when your account statements are available.
Benefits of eStatements
- We will file it for you eStatements will be archived for 18 months.
- View Check images official check copies available to you at no extra cost.
- Immediate email notification - when new statements are available.
- Remote access view your statements anywhere you have an internet connection, 24 hours a day.
- Printing Options print your statement multiple times or not at all!
Sign up for eStatements today!
- Log into Online Banking, click on eStatements button within your checking account information to sign up.
For more information contact us by email (bank@stephensfederalbank.com) or call (706) 886-2111 or 1-888-910-2265.
Click Here to SIGN ON to Stephens Federal Bank s Online Banking to view your eStatements.
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Security
Our continued commitment in providing Service Far Beyond to our customers….. Our most important asset is our customer’s trust. Your trust depends on how well we keep your personal, business, and account information secure. SFB’s Information Security Program is comprehensive and proactive to ensure your information remains secure through all banking service delivery channels, including our branch offices, ATMs, the telephone and the Internet.
We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information. We use industry accepted security practices that are appropriate for the way you choose to bank with us. No matter how you choose to bank with us, for your protection, we verify you are who you say you are before granting you access to your accounts. Additionally, to protect your information from others, we employ multiple layers of firewalls, SSL packet encryption, and constantly monitor our systems.
Security is Everyone's Responsibility….. At SFB we realize that safeguarding your information a serious responsibility. In fact, we believe keeping your information safe and secure is every bank employee's responsibility. Employee access to customer information is limited to only those employees with a business need for accessing such information, and every member of our staff has pledged to protect confidential customer information. We also encourage you to participate in the protection of your personal information. An excellent source of information on how to prevent identity theft and what to do if you are a victim of identity theft may be found at the website of the Federal Trade Commission.
For more information on how we protect your information online and our approach to privacy, you may also want to read our Privacy Statement.
Beware of Phishing and Other Identity Theft Scams Phishing---pronounced fishing---is one of the latest forms of identity theft. Thieves act as if they are representing us and try to “hook” you into providing personal information. Once you’re “hooked”, the thieves can do serious damage to your financial accounts. They can trick you into providing your Social Security number, financial account numbers, PIN numbers, passwords, mother’s maiden name, and other personal information. Stephens Federal Bank will never ask you for this information via e-mail.
At Stephens Federal Bank, your protection is our top priority. You can find out more about avoiding these scams by reviewing our Identity Theft Prevention tips.
Identity Theft Nearly 12 million Americans will be victims of identity theft this year, according to government and private sector estimates. Identity theft occurs when someone steals your personal information to establish credit…purchase items…or borrow money in your name.
Phishing Scams Phishing attacks are ‘spoofed’ e-mails and fraudulent websites designed to fool recipients into divulging personal financial data such as credit card numbers, account usernames and passwords, social security numbers, etc. By hijacking the trusted brands of well-known banks, online retailers and credit card companies, phishers are able to convince up to 5% of recipients to respond to them.
Security Controls and Browser Requirements SFB asks you to assist us in offering financial services in a secure manner; we employ a number of controls described below and in our Online Banking Agreement. These controls allow us to properly authenticate your identity when you access our Online Banking service and protect your information as it travels over the Internet. Many of the financial services we provide on this website use access codes, such as your login User ID and Password. As well as displaying a personally selected image to confirm you are at the correct website as a means of multi-factor authentication.
We require the use of secure browsers to protect you while banking online. Secure browsers allow you to communicate with our website in a protected session by encrypting information that flows between you and the site. To verify your session is secure, look for https: instead of http: in the URL address line, and a secure symbol (for example, closed padlock) next to your online banking login button. For greater security when viewing your account information over the Internet, we require your browser to support 128-bit encryption.
To provide additional protection, a timeout feature is also used. This feature automatically logs you out of your account after 15 minutes of inactivity. This feature is designed to prevent unauthorized access to your accounts.
We use multiple firewalls to protect our computer systems and your information. Firewalls are a barrier that permits only specific types of traffic (transactions) through to our systems. These firewalls are monitored 24 hours a day, 7 days a week to prevent unauthorized entry into our systems. Additionally, some of our products and services use tokens, digital certificates and other public key infrastructure services as an added layer of protection.
What can YOU do to help? It is extremely important that you help us ensure the security of your account(s) and information at SFB. Some of the ways you can help protect yourself and your accounts are listed below:
- Do not share your User ID or Password with anyone. Remember, a bank representative will never ask you to provide your Password.
- Change your Password on a regular basis. If you think your Password has been stolen or compromised in any way, change it and contact us immediately.
- Remember email is not a secure way to send or request account or personal information.
- Consider using a personal firewall to prevent hackers from invading your personal computer, especially if you are using DSL or a cable modem to access the Internet. These personal firewalls can be purchased at most office supply stores.
- Install virus protection software and scan all downloaded software, as well as all diskettes, CDs or files contained on portable storage devices such as a thumb or flash drive before use. Keep your virus protection software up to date.
- Keep your computer’s operating system and software up to date.
- Never access the internet without anti-virus protection.
- Scan your computer regularly to detect viruses, malware and other malicious worms.
- Always delete emails with attachments from unknown sources before opening them.
- When you are done with your transactions, always log off the website to exit the application. This is especially important when using a public PC (such as in a library or school). Also, be sure you close the browser when you are finished.
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