May we please have your attention!

We are excited to inform you of upgrades we will be making to our data processing system. While you will not notice any significant differences, internally we will be making major enhancements that will positively impact the quality of our service to you. Please know that you may experience some interruption in the use of your Spratt S&L debit card and Thrift-E Online banking over the weekend of June 6th through the 8th. We urge you to have a backup (personal check, credit card, etc.) just in case you were to experience a problem during this period. We thank you for understanding and hope that you will appreciate the long-term benefits to be derived from our significant investment in advanced technology that will position the Association to better serve you, after all you're why we're here!

Your Spratt S&L team!

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» NOTICE: The Federal Regulation that limits the number of third party transactions allowed per month on our Money Market Demand Account (MMDA) and our Preferred Investment Account has changed. Third party transactions are defined as those you do not conduct at the bank or at an ATM. Third party transactions include checks, electronic debits, drafts, debit card purchases, phone transfers to other accounts and online and phone banking transfers to other accounts. The regulation limited these to six, of which no more than three could be by check. The limit is still six, but now, all can be by check.

» Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs). It does not include other accounts, such as traditional checking, or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit

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Mon-Thurs 8:30am - 5:00pm » Friday 8:30am 6:00pm » (803) 385-5102 121 Saluda Street Chester, S.C. 29706

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