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General Education

The Benefits of Community Banking With SouthStar Bank

When choosing where to bank, consumers have more options than ever, ranging from large national chains to digital-only institutions. But for those who want personalized service, local decision-making, and a financial partner invested in their success, community banking is the clear choice! At SouthStar Bank, we have proudly served Texas communities for more than a century, blending modern financial tools with the warmth of traditional, hometown service. What Is Community Banking? Community banking means putting people first. Unlike big banks focused on national markets, community banks in Texas like SouthStar Bank are locally owned, locally managed, and committed to reinvesting in the neighborhoods we serve. This approach not only benefits individual customers but also strengthens local businesses and the overall economy of the communities they serve. Personalized Service and Trusted Relationships At SouthStar Bank, customers aren’t just account numbers; they’re our neighbors. Our bankers take the time to understand your goals, whether that’s buying your first home, saving for retirement, or growing a small business. By offering customized financial solutions, we ensure you have the tools and support you need to succeed. This relationship-driven approach is one of the key advantages of using a community bank over big national banks. Local Decision-Making for Faster Results One of the most important benefits of using a local Texas bank is that decisions are made right here in the community. At SouthStar Bank, loan approvals and account services aren’t tied up in distant corporate offices. Instead, you’ll work directly with people who know the local market and can move quickly to help you. For small businesses, this flexibility is crucial. As an SBA Preferred Lender, SouthStar Bank provides streamlined access to funding, enabling Texas small businesses to thrive. Supporting Texas Communities When you choose SouthStar Bank, your money stays close to home. We proudly reinvest in the places we serve, funding local businesses, creating jobs, and supporting community events. Unlike large national institutions, community banks measure success not just by numbers but by the positive impact we make on our neighbors. By banking locally, you help build stronger communities across Texas. Modern Technology with a Personal Touch Community banking doesn’t mean outdated banking. SouthStar Bank combines modern financial tools with hometown service. With mobile check deposit, online banking, and secure digital access, you’ll enjoy the same conveniences as a big bank with the added benefit of having a trusted local banker just a call or visit away. Why Bank with SouthStar Bank? Choosing SouthStar Bank means choosing: A Texas community bank with over 100 years of service Personalized financial guidance tailored to your needs Faster, local decision-making SBA Preferred Lender advantages for small businesses A strong commitment to supporting Texas communities At the end of the day, banking isn’t just about managing money; it’s about relationships, trust, and community. Experience the personalized, local service you deserve by contacting your local branch today!

Secure Documents: What to Keep and How Long

Over the years, the number of essential documents in your possession often stacks up. The accumulation of documents can make it increasingly challenging to determine which documents should be kept secure and for how long. Outlined below is a list of several documents that are vital to keep safe and secure, along with a rough timeline for their retention. Forever Documents: Birth Certificates Marriage and Divorce Records Social Security Cards Loan Payoff Statements Retirement/Pension Records Estate Documents Military Service Records Death Certificates Loan Documents Loan Statements and Documents should be kept until the loan is paid off, at which point you should keep the Loan Payoff Statement Vehicle Titles Titles should be held for as long as you own the vehicle Home Improvement Purchase Receipts Proof of all home improvements should be kept until you sell the home Investment Statements Three to Seven Years: Tax Records Medical Bills One Year: Credit Card Statements While keeping physical and/or original copies of these documents is beneficial, it is also wise to scan important documents and store them digitally on a secure device. For monthly, quarterly, or annual statements, options are often made available for electronic statement delivery. This can expedite the record-keeping process and prevent potential fraud in the event that one of your statements is lost or stolen. Always remember to keep your accounts updated in the event you change your email, phone number, home address, etc., to ensure no documents are delivered to the wrong place. Source: The Washington Post

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