FAQs

• Your Current Balance shows the amount of money in your account at the end of the previous day (after cleared deposits, withdrawals, ATM/ITM transactions, and debit card transactions).
• Your Available Balance is your Current Balance minus any holds, uncollected deposits and transactions received but not yet processed by Springs Valley. This may include certain ATM/ITM and debit card transactions, or checks. 

• To order checks online, click here. 
• To order checks in person, stop by any Springs Valley Banking Center. 

• Non-sufficient funds (NSF), or insufficient funds, is when your checking account does not have enough money to cover transactions. An overdraft will occur, and fees may be assessed. These are called NSF fees or overdraft fees.
• An NSF fee is charged when a checking account is overdrawn causing a negative balance at the end of the previous business day. NSF fees are always charged the day after the overdraft occurs. You can avoid NSF fees by making a deposit to bring your account to a positive balance by the end of the business day.
• If you have questions regarding a NSF fee or charge to your account, please contact a Springs Valley Customer Service Representative via phone at 800.843.4947 or chat at svbt.bank. 

• Your Springs Valley debit card will be active until the last day of the month it is set to expire. You should automatically receive a new card within the last month your current card is set to expire. Please keep an eye on your mail. To protect from theft and fraud, the new card will arrive in an envelope not marked with the Springs Valley logo.
• If you do not receive your new card by the end of the card expiration month, please contact Springs Valley at 800.843.4947. 

Springs Valley’s enhanced Card Management options allow you to:

• Lock/unlock your cards
• Limit transactions by location, merchant, transaction type or dollar amount
• Easily add cards to mobile wallets (Apple Pay® and/or Google Pay™)
• View subscriptions tied to a card and see where cards are stored online
• Stay informed with alerts
• View your spending via easy-to-read graphs
• Get in-depth transaction details
• Report lost or stolen cards
• Quickly identify and report fraudulent transactions
• Get cash without your debit card
• Access your new card before receiving it in the mail
• Activate your card when it arrives

Verify in your App Store that you have the most current version of Springs Valley’s app installed. If an update is needed, you will see “Update” in the App Store.

If your card was damaged, follow the instructions under “Replace Card.”

To report a lost or stolen card, follow the instructions under “Report Lost or Stolen.” Your new card will be sent to the address Springs Valley has on file for you.

The Round-Up Savings Program is a simple way to grow your savings every time you make a debit card purchase.

Round-Up Savings is the new way to save your “spare change” – it simply rounds up your daily debit card transactions to the nearest dollar and automatically transfers the money into your savings account for you!

Springs Valley will Round-Up every debit card purchase and automatically transfer that amount to your savings account as a separate transaction. On days you have multiple debit card purchases, we’ll add up all your daily Round-Up Savings and make one transfer to your savings.
What types of transactions are rounded up?

The Round-Up Savings Program is a simple way to grow your savings every time you make a debit card purchase.

Round-Up Savings is the new way to save your “spare change” – it simply rounds up your daily debit card transactions to the nearest dollar and automatically transfers the money into your savings account for you!

Springs Valley will Round-Up every debit card purchase and automatically transfer that amount to your savings account as a separate transaction. On days you have multiple debit card purchases, we’ll add up all your daily Round-Up Savings and make one transfer to your savings.
What types of transactions are rounded up?

• Springs Valley Banking Center Locations
  • 1500 Main Street, Jasper, IN 47546
  • 865 3rd Avenue, Jasper, IN 47546
  • 867 N Gospel Street, Paoli, IN 47454
  • 1501 W Broadway Street, Princeton, IN 47670
  • 8482 W State Road 56, French Lick, IN 47432
  • 1717 S State Road 57, Suite A, Washington, IN 47501
• Springs Valley ATM & ITM Locations
  • 901 W 12th Avenue, Jasper, IN 47546
  • 505 S Maple Street, French Lick, IN 47432
  • 8482 W State Road 56, French Lick, IN 47432
  • 867 N Gospel Street, Paoli, IN 47454
  • 1500 Main Street, Jasper, IN 47546 (ITM Location)
  • 865 3rd Avenue, Jasper, IN 47546 (ITM Location)
  • 1717 S State Road 57 Suite A, Washington, IN 47501 (ITM Location)
  • 1501 W Broadway, Princeton, IN 47670 (ITM Location)

The Round-Up Savings Program is a simple way to grow your savings every time you make a debit card purchase.

Round-Up Savings is the new way to save your “spare change” – it simply rounds up your daily debit card transactions to the nearest dollar and automatically transfers the money into your savings account for you!

Springs Valley will Round-Up every debit card purchase and automatically transfer that amount to your savings account as a separate transaction. On days you have multiple debit card purchases, we’ll add up all your daily Round-Up Savings and make one transfer to your savings.
What types of transactions are rounded up?

• Springs Valley Banking Center Locations
  • 1500 Main Street, Jasper, IN 47546
  • 865 3rd Avenue, Jasper, IN 47546
  • 867 N Gospel Street, Paoli, IN 47454
  • 1501 W Broadway Street, Princeton, IN 47670
  • 8482 W State Road 56, French Lick, IN 47432
  • 1717 S State Road 57, Suite A, Washington, IN 47501
• Springs Valley ATM & ITM Locations
  • 901 W 12th Avenue, Jasper, IN 47546
  • 505 S Maple Street, French Lick, IN 47432
  • 8482 W State Road 56, French Lick, IN 47432
  • 867 N Gospel Street, Paoli, IN 47454
  • 1500 Main Street, Jasper, IN 47546 (ITM Location)
  • 865 3rd Avenue, Jasper, IN 47546 (ITM Location)
  • 1717 S State Road 57 Suite A, Washington, IN 47501 (ITM Location)
  • 1501 W Broadway, Princeton, IN 47670 (ITM Location)

• Springs Valley is proud to partner with two surcharge-free ATM networks providing our customers with over 55,000 FREE ATMs!  For an ATM locator, please click on link below.  
  • Alliance One - Alliance One is a nationwide group offering more than 5,000 Free ATMs.  
  • Allpoint - The Allpoint Network is a surcharge-free network of ATMs with over 55,000 locations. You can find Allpoint Network ATMs in 55,000 retail locations, like CVS and Walgreens, around the world. 

1. Go to svbt.bank.
2. Select New User Enrollment on top right-hand side of home page.
3. Enter required information, click enroll.
4. Review Terms and Conditions. If you agree, select I Agree.
5. Establish credentials; create a username and password.
6. Set up your challenge questions.
7. Select your delivery method of account statements.
8. Read the electronic statements terms and conditions.
9. Once read, enter the confirmation code located at the bottom of the electronic terms and conditions.
10. Make your selection for mobile banking enrollment. 

Visit your mobile device’s App Store or Google Play Store. Download the Springs Valley Bank & Trust Company Mobile App. Use your online banking credentials to log into the mobile banking app.

Message and data rates may apply. App Store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details.

eStatements are online, electronic copies of your account statements that you can quickly view, search, save and print. You can view them on your computer and your mobile device. To sign up:

1. Log onto Online Banking
2. Click "Profile"
3. Scroll down to Electronic Statements
4. Click “Edit”
5. Select which account(s) you want eStatements
6. Confirm eMail address
7. Change delivery method to "eStatements"
8. Read and review “Electronic Statements Terms and Conditions”
9. Select check box and enter confirmation code (from Terms and Conditions)
10. Select “Save”

1. Log into Online Banking
2. Select “Bill Pay”
3. Click on “Enroll”
4. Accept “Terms and Conditions”
5. Bill Pay will open, and you can add bills 

• Online Banking

1. Log into Online Banking
2. Choose “Alerts” from home page
3. Choose “Alert Options” and “Contact Options”

• Mobile Banking

1. Log into Mobile Banking
2. Choose “Manage Alerts”
3. Choose “Account Alerts” and “Security Alerts”

Message and data rates may apply. Notifi is a Service Mark of Fiserv, Inc., or it affiliates.

• Online Banking

1. Log into Online Banking
2. Select “Transfer”
3. Select “From Account”
4. Select “To Account”
5. Select “Date”
6. Enter Amount
7. Enter Description
8. Select “Preview Transfer”
9. Select “Complete Transfer”

• Mobile Banking

1. Log into Mobile Banking
2. Select “Transfer & Pay”
3. Select “Make an internal transfer”
4. Select “From Account”
5. Select “To Account”
6. Enter Amount
7. Enter Date
8. Select “Continue”
9. Select “Make Transfer”

Message and data rates may apply. TransferNow is a Registered Trademark of Fiserv, Inc., or it affiliates.

• Online Banking

1. Log into Onlne Banking
2. Select “Bill Pay”
3. Select “Send Money with Zelle”
4. Add New Contact
5. First Name, Last Name, Nickname (Optional)
6. Enter eMail, Mobile Number or Account #
7. Enter eMail
8. Click save

• Mobile Banking

1. Log into Mobile Banking
2. Choose “Send Money with Zelle”
3. Enter Password
4. You can Send, Request, Split
5. Add New Contact
6. Enter First Name, Last Name, Nickname (Optional)
7. Enter eMail, Mobile Number, or Account #
8. Enter eMail
9. Click Save

Must have a bank account in the U.S. to use Zelle.

1. Log into Mobile Banking
2. Choose “Manage My Cards”
3. Enter Mobile Banking Password
4. Select card(s) to be managed
5. Set Limits, Block Card, etc. 

Available for Apple iOS and Google Android devices. Card Management is a registered trademark of Fiserv, Inc. or it affiliates.

• Apple Pay® On Your iPhone¹

1. Go to Wallet and tap +
2. Follow the steps to add a new card. Watch the demo to see how it works. If you’re asked to add the card that you use with iTunes, cards on other devices, or cards that you’ve recently removed, choose them, then enter the card security codes.
3. Tap Next. Your bank or card issuer will verify your information and decide if you can use your card with Apple Pay. If your bank issuer needs more information to verify your card, they’ll ask for it. When you have the information, go back to Wallet and tap your card.
4. After your bank or card issuer verifies your card, tap Next. Then start using Apple Pay. 

• Apple Pay® On Your Apple Watch

1. Open the Apple Watch app on your iPhone, and go to the My Watch tab. If you have multiple watches, choose one.
2. Tap Wallet & Apple Pay.
3. Follow the steps to add a new card. Watch the demo to see how it works. If you’re asked to add the card that you use with iTunes, cards on other devices, or cards that you’ve recently removed, choose them, then enter the card security code.
4. Tap Next. Your bank or card issuer will verify your information and decide if you can use your card with Apple Pay. If your bank issuer needs more information to verify your card, they’ll ask for it. When you have the information, go back to Wallet and tap your card.
5. After your bank or card issuer verifies your card, tap Next. Then start using Apple Pay. 

• Google Pay™²

1. Look for the Google Pay app on your phone. If you don’t find it, download it from the Google Play Store.
2. Open the Google Play App.
3. To add your card, click on the + sign in the lower right corner.
4. Follow along with the onscreen instructions. You’ll have the option to scan your card using the phone’s camera or manually enter your card information.
5. Enter the three-digit security code located on back of your card. 

• Samsung Pay®³

1. Make sure your Samsung device is updated with Samsung Pay.
2. Take a picture of your Springs Valley VISA Card with your device’s camera.
3. Secure it with your fingerprint and backup PIN and you’ll be ready to go.

1 Enjoy the benefits using Apple Pay on iPhone® 6 or newer. The Apple logo, Apple Pay, and iPhone are registered trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

2 Google, Google Pay and the Google Logo are trademarks of Google LLC.

3 Only compatible with select cards and Samsung devices. Check the Samsung Pay Support page for a compatibility list. © 2016 Samsung Electronics America, Inc. Samsung, Samsung Pay, Samsung Galaxy, Galaxy S, Samsung Galaxy S6, Samsung Galaxy S6 edge, Samsung Galaxy S6 edge+, and Samsung Note5 are registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law.

If our online banking platform does not recognize the device, you may be asked to verify your identity. Below are a few reasons why this could be happening:

• Your cookies were recently cleared.
• You are using a different browser than previously.
• You may have asked to not skip this extra security step.
• Your browsers are in private or incognito mode.

After you have verified your identity, you will have the option to choose to register your device.

Mobile Deposit is a feature within digital banking that allows you to deposit checks by using your phone’s camera to take a picture of the front and back of your check. To use Mobile Deposit: 

1. Please sign your name and write "For SVBT Mobile Deposit Only" within the endorsement area on the back of the check.
2. Log into Mobile Banking
3. Choose “Deposit"
4. Select “Deposit a Check”
5. Select Account to “Deposit Into”
6. Enter “Check Amount”
7. Take a photo of the front of the check and select “Use” or “Retake”
8. Take a photo of the back of the check and select “Use” or “Retake”
9. Select “Edit” or “Make Deposit”
10. If “Make Deposit” is selected, you will get a message, “You have successfully submitted a check deposit of $”

Springs Valley Mobile Deposit is available for select mobile devices. Download the Springs Valley Mobile App. Message and data rates may apply. Subject to eligibility and further review. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. See svbt.bank/MobileDeposit for details and eligible mobile devices.

• Make a payment via Springs Valley’s Online Banking Platform
• Set up an automatic payment via Springs Valley’s Bill Pay System
• Set up an automatic payment by visiting a Customer Service Representative at any Banking Center
• Stop by any Springs Valley Banking Center
• Mail a check to PO BOX 830, Jasper, IN 47547-0830

There are several ways to make a payment on your Springs Valley loan.

• Make a payment via Springs Valley’s Online Banking Platform
• Set up an automatic payment via Springs Valley’s Bill Pay System
• Set up an automatic payment by visiting a Customer Service Representative at any Banking Center
• Stop by any Springs Valley Banking Center
• Mail a check to PO BOX 830, Jasper, IN 47547-0830

*If your response message ends with "Reply NEXT or MORE", text NEXT or MORE to view more information.

• BAL – Summary of available balances for all account(s)
• HIST + ACCOUNT NICKNAME (ex. HIST 1) – Summary of recent transactions for specified account
• BRANCH + ZIP - Shows list of banking center location(s) by zip code
• ATM + ZIP – Shows list of ATM location(s) by zip code
• HELP – Help content for text message banking service
• STOP - Cancel text message banking service

• To order checks online, click here. 
• To order checks in person, stop by any Springs Valley Banking Center. 

• Non-sufficient funds (NSF), or insufficient funds, is when your checking account does not have enough money to cover transactions. An overdraft will occur, and fees may be assessed. These are called NSF fees or overdraft fees.
• An NSF fee is charged when a checking account is overdrawn causing a negative balance at the end of the previous business day. NSF fees are always charged the day after the overdraft occurs. You can avoid NSF fees by making a deposit to bring your account to a positive balance by the end of the business day.
• If you have questions regarding a NSF fee or charge to your account, please contact a Springs Valley Customer Service Representative via phone at 800.843.4947 or chat at svbt.bank. 

Springs Valley Bank & Trust Company works with our debit and credit card Risk Offices to monitor and track card activity. If there is activity on your card that appears different from your regular transaction activity, a case may be created and you may receive a text, call, or letter confirming whether the activity is authorized.

If Springs Valley has a valid cell phone number on file, you will receive a text from the Risk Office and appear as Springs Valley Bank Fraud Center, shortly after transactions are identified as potential fraud. Springs Valley will also contact you by phone or letter if the Risk Office has been unsuccessful in contacting you by text.

It has been found that text fraud alerts can more effectively mitigate fraudulent activity, allowing cardholders to receive the message and react more quickly, in order to resolve the cases.

Here is a sample text you may receive:

FreeMSG-Springs Valley B&T Fraud Center 1-833-735-1892. Reply YES or NO if you used debit card ending in 1234, Shopsmart, 124.35. STOP to opt out

Sure! During banking hours you may call Springs Valley Bank & Trust Company directly at 800.843.4947, or call Springs Valley’s Fraud Center after hours at 833.735.1894.

Yes, the Premium Texting service complies with TCPA (the Telephone Consumer Protection Act) because each text message includes verbiage indicating that the message is free, provides an opt-out option for the cardholder, and includes a call-back number.

Springs Valley Bank & Trust Company is committed to protecting your personal information and mitigating the risk for fraudulent transactions. Here are some things you should know when receiving or responding to a fraud alert text or call, to help keep your information secure:

• A text alert from us warning of suspicious activity on your card will NEVER include a link to be clicked. Never click on a link in a text message that is supposedly from us. A valid notification will provide information about the suspect transaction and ask the cardholder to reply to the text message with answers such as ‘yes’, ‘no’, ‘help’, or ‘stop’. It will never include a link.
• If you text “Help” in response to a message, you will receive a message to call the fraud center. When you call this number, you will be transferred directly to a Springs Valley Fraud Center associate.
• Currently, text alerts are only sent out between the hours of 8:00 a.m. - 9:00 p.m. ET.  
• A text alert from us will always be from a 5-digit number and NOT a 10-digit number resembling a phone number. Text caller IDs will be 37268.
• A phone call from our institution’s automated dialer will only include a request for your zip code, and no other personal information, unless you confirm that a transaction is fraudulent. Only then will you be transferred to a customer service representative who will ask questions to confirm that you are the actual cardholder before going through your transactions with you. If at any point you are uncertain about questions being asked or the call itself, hang up and call us directly at 800.843.4947.
• We will NEVER ask you for your PIN or the 3-digit security code on the back of your card. Don’t give them out to anyone, no matter what they say. Hang up and call us directly.
• Regularly check your account online to see if there are any suspicious transactions that have occurred, but especially if you are unsure about a call or text message you’ve received. If anything looks amiss, call us directly for assistance.
• If you have received a voice or a text-message from Springs Valley and are unsure about responding to it, call us directly at 800.843.4947 for assistance.

We offer multiple products to fit the needs of our clients.

If you receive an unexpected phone call that appears to be from Springs Valley seeking personal information, follow these steps

• Be Suspicious.
• Hang up and do not give out any personal information.
• Contact Springs Valley at 800.843.4947.

If you inadvertently provided personal information and feel your Springs Valley accounts may be in jeopardy, call 800.843.4947.

• Please contact us as soon as possible by calling 800.843.4947 to report any suspicious activity on your account.
• If you believe someone has gained unauthorized access to your Online Banking or Springs Valley Mobile App, you should change your Online Banking credentials. To do so, log into online banking. Click the change password button. You will then be prompted to answer security questions before changing your password. 

If you inadvertently provided personal information and feel your Springs Valley accounts may be in jeopardy, please contact 800.843.4947.

Although fraudsters use various tactics in their attempts to deceive, there are common elements you can look for:

• Awkward greeting or salutation
• Typos
• Incorrect grammar
• Strange or unfamiliar links
• Compelling or urgent language
• Misspelled company name

You are your first line of defense!!  Always remember: 

• Stop before you click on links or attachments
• Call the company using a phone number you know to be valid to confirm they sent the email
• Don't reply