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Due to a global outage with a service provider CrowdStrike and Microsoft, some of SouthStar Bank’s online services may be unavailable or experience latency. This outage does not affect the confidentiality or integrity of our customer data. We are working with our vendors to resolve the issue as soon as possible and appreciate your understanding.

To learn more about our mobile app, online banking, and more, watch our video tutorials.

Important Disclosures

“We could not be happier with our choice to bank with SouthStar. The customer service is truly second to none. If you’re looking for a true Texas bank with the best banking experience you’ll ever get, SouthStar is the one!” ~ Chandra A.

Please read these important disclosures about our website, our bank, products and their terms of use.

How to file Complaints

SouthStar Bank SSB is chartered under the laws of the State of Texas
and by 
state law is subject to regulatory oversight by the Department of
Savings and Mortgage LendingAny consumer wishing to file a
complaint against South Star Bank SSB should contact the Department
of Savings and Mortgage Lending through one of the means indicated

  • In Person or by Mail: 2601North Lamar BoulevardSuite 201,
    AustinTexas 78705-4294
  • Phone: (877276-5550
  • Fax: (512936-2003
  • Or through the Departmentwebsite at

At SouthStar Bank, we are committed to the needs of all of our customers, including those with disabilities, to help them achieve their financial dreams and goals. This commitment is based on our deeply held corporate belief that all individuals are entitled to be treated with dignity and respect. In furtherance of this commitment, and to ensure that all of our customers can enjoy SouthStar Bank’s flexible banking services, we continually look for ways to make our facilities, services, and accommodations more convenient to use. To that end, we offer the same or equivalent access to products, services, and facilities as is provided to those without disabilities, and we prohibit discrimination, retaliation, coercion, interference, intimidation, or any other adverse action against individuals on the basis of disability.

We routinely review our facilities for accessibility, paying careful attention to parking spaces, curbs, ramps, doors, entrances, safe deposit features, lobby areas, and more. Additionally, all of our ATMs have speech-output and voice-instruction capability specifically created for those who are blind or have low vision. Each ATM is also equipped with a phone jack for earphones, ensuring that customers have adequate privacy for all their banking transactions.

To accommodate persons who are blind or have low vision, SouthStar Bank, S.S.B. always offers its customers assistance with reading, filling out, and completing forms. For persons who are deaf or hard of hearing, SouthStar accepts telecommunication relay service calls through the SouthStar Bank telebanking line, 1 (866) 333-9064, and sign language interpreters upon advance request. All locations also offer an atmosphere friendly to service animals and guide dogs at any time.

We are also committed to enhancing our customers’ online experience on our website. While there is no definitive test or certification that determines whether a website is accessible, we strive to deliver content, like closed-captioning on all of our video tutorials, in accessible formats. We are also working with web developers to implement strategies to improve access to our website. Customers who use screen readers may find that their experience is improved if they keep their technology updated by using the latest versions of assistive technology and operating systems. If you find a part of the site that you feel is not accessible, please let us know by contacting us using one of the methods below.

David Kapavik, the President of SouthStar Bank, S.S.B., is deeply-committed to the spirit and intent of this policy. As such, to provide exceptional customer service, there is a red telephone installed in every SouthStar branch lobby that, if accessed, will immediately call Mr. Kapavik’s mobile phone. At SouthStar, you have a direct line to the President because we listen to the needs of our customers.

If you have questions or recommendations about accessibility at SouthStar, or to ask about or request any of these services, please contact your local SouthStar branch. Alternatively, we have designated JoAnn Biezenski, SouthStar Banks’s Executive Vice President of Compliance, as the Bank’s Accessibility Coordinator, and she can be contacted by email at, by phone at (254) 271-2636, or by SouthStar Bank, S.S.B., c/o Accessibility Coordinator, P.O. Box 7, Bremond, TX 76629. We always give requests for reasonable accommodations individualized attention and review each request on a case-by-case basis to determine how to best serve our customers.

How to file Complaints

SouthStar Bank SSB is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Department of Savings and Mortgage LendingAny consumer wishing to file a complaint against South Star Bank SSB should contact the Department of Savings and Mortgage Lending through one of the means indicated below:
  • In Person or by Mail: 2601North Lamar BoulevardSuite 201, AustinTexas 78705-4294
  • Phone: (877276-5550
  • Fax: (512936-2003
  • Or through the Departmentwebsite at

The diversity of our employees and contractors is essential to our ability to fulfill our purpose and achieve our business strategy of responsible growth. Diversity and inclusion are part of our values. We take proactive steps to promote diversity of our employees, in thought, the dimensions of race, ethnicity, gender, sexual orientation, socio-economic status, age, physical abilities, religious beliefs, political beliefs, or other ideologies.

We hold our leaders accountable for building diverse teams and fostering an inclusive environment. This accountability starts with our  Board of Directors, CEO, and Senior Level Officers, who oversees and directs the Bank’s diversity and inclusion efforts.

SouthStar Bank, SSB is committed to providing a work environment that is free of discrimination. In keeping with this commitment, the Bank prohibits any unlawful discrimination. This policy applies to all employees, including managers and non-managerial employees.

SouthStar Bank, SSB offers development programs designed to build an inclusive environment, strengthen the retention and engagement of diverse professionals and educate our employees about diversity at key points in their career lifecycle.

SouthStar Bank, SSB holds management at all levels accountable for diversity and inclusion efforts. Management ensures that such efforts align with the Bank’s business strategy.

SouthStar Bank, S.S.B. (referred to as “Bank”) promotes breadth and diversity in its selection of vendors and service providers. Bank provides small businesses, minority-owned businesses, and women-owned businesses opportunities to participate in its vendor selection process and in providing services to the bank and a fair opportunity to have a supplier relationship will be given to these businesses. The bank encourages small, minority-owned, and women-owned businesses to participate in its vendor selection process.

Bank will establish selection processes that will allow for appropriate outreach to small, women-owned, and minority-owned businesses. The selection process will include publicizing supplier opportunities as appropriate. SouthStar Bank will also determine appropriate metrics for evaluating the breadth and diversity of its vendors.

Bank requires its vendors to have similar policies that encourage the provision of supplier opportunities to small, minority-owned, and women-owned businesses.

It is our policy to provide a full spectrum of businesses with the opportunity to compete on a fair and equal basis for our business and, ideally, to expand and grow while working with us. We encourage the use of qualified businesses where opportunities exist, promote strategic partnerships and engage a number of external stakeholders in support of our efforts. We continue to make progress expanding the reach of our vendor diversity and inclusion efforts. 

What is FDIC insurance?

FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met. (Click here for details on the requirements) The FDIC Insurance ownership categories are:
  1. Single Accounts
  2. Joint Accounts
  3. Certain Retirement Accounts (includes IRAs)
  4. Revocable Trust Accounts
  5. Corporation, Partnership and Unincorporated Association Accounts
  6. Irrevocable Trust Accounts
  7. Employee Benefits Plan Accounts
  8. Government Accounts
All deposits that an account holder has in the same ownership category at the same bank are added together and insured up to the standard insurance amount. To calculate your deposit insurance coverage, use the FDIC’s Electronic Deposit Insurance Estimator (EDIE).

Investment Advice

SouthStar Bank, SSB does not offer investment products or provide investment advice. We do not employ Certified Financial Planners or other investment professionals, and therefore we are not authorized to provide investment or tax advice. Please consult with your licensed Financial Planner or other investment professional for investment advice. Consult a CPA or other licensed tax professional for tax advice.

What does SOUTHSTAR BANK do with your personal information?


Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number • Payment History • Transaction History • Credit History • Overdraft History • Account Transactions When you are no longer our customer, we continue to share your information as described in this notice.


All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons SouthStar Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does SouthStar Bank share?

Can you limit this sharing?

For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus



For our marketing purposes — to offer our products and services to you


We don’t share

For joint marketing with other financial companies



For our affiliates’ everyday business purposes — information about your transactions and experiences



For our affiliates’ everyday business purposes — information about your creditworthiness


We don’t share

For our affiliates to market to you


We don’t share

For nonaffiliates to market to you


We don’t share


 Call 361-245-3588 or go to


How does SouthStar Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does SouthStar Bank collect my personal information?

We collect your personal information, for example, when you • Open an account • Pay your bills • Apply for a loan • Use your credit or debit card • Make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only • sharing for affiliates’ everyday business purposes — information about your creditworthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.



Companies related by common ownership or control. They can be financial and nonfinancial companies, including • Financial companies such as: holding company and banks within holding company


Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates we share with can include Securities Brokers-Dealers

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.   • Our joint marketing partners include Securities Broker-Dealers.


For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing — without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing — without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing — without your authorization. For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

How to file Complaints

SouthStar Bank SSB is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Department of Savings and Mortgage LendingAny consumer wishing to file a complaint against South Star Bank SSB should contact the Department of Savings and Mortgage Lending through one of the means indicated below:
  • In Person or by Mail: 2601North Lamar BoulevardSuite 201, AustinTexas 78705-4294
  • Phone: (877276-5550
  • Fax: (512936-2003
  • Or through the Departmentwebsite at
CONFIDENTIAL INFORMATION Social media channels are a public forum, and anything posted is open to the public.  Never disclose any financial information on any of the SouthStar Bank social media platforms, whether public facing or via direct message. We are not responsible for the privacy and security policies or practices of the social media channels where we are present, and you should review the individual policies for each social media platform.  We will never ask you to provide personal information, such as an account number, through social media – nor will we ever disclose confidential or personal information on our social media channels. SouthStar Bank is unable to service account-specific requests directly through social media channels. If you are a customer with a specific question about an account or loan, please contact your local branch. There will be no mention of clients, customers, or vendors without written consent
  • Any client, customer or vendor directly submitting content and/or photos to SouthStar Bank authorizes consent to use such content without limitation.
  • Content removal requests can be submitted to
CONTENT Social media enables individuals to share their insights, express their opinions and share information.  We expect those who choose to participate in the conversation to be respectful and remain on topic.  While we want to foster healthy discussion, we reserve the right to remove posts that are not relevant or do not comply with our terms of use guidelines. When you visit, post, or comment on any of the SouthStar Bank social media properties, we respectfully ask that you follow the below guidelines:
  • Stay on topic
  • Use common courtesy and be respectful of others
  • Submit your own original content, and avoid content that you know to be fraudulent
  • Do not post someone else’s copyrighted work unless you have permission
  • Never post personal, identifying, or confidential information
  • Do not use this site to communicate or ask questions specific to your personal account or loan information
  • Do not post any content which is abusive, offensive or inflammatory
TERMS OF IDEA SUBMISSION You agree that: (a) your ideas and photographs will automatically become the property of SouthStar Bank, without compensation to you, (b) SouthStar Bank can use the ideas and photographs for any purpose and in any way, and (c) any information or photographs you provide will be considered nonconfidential. The SouthStar Bank social media platforms may not be used for the submission of any claim, demand, informal or formal complaint, or any other form of legal and/or administrative notice or process, or for the exhaustion of any legal and/or administrative remedy. Because the SouthStar Bank social media pages are public, anyone can participate. Only posts made by “SouthStar Bank” should be considered posts by SouthStar Bank, and we will not be held responsible for views other than our own. Outside posts are subject to removal. RESPECT We expect all our social media users to be considerate to each other and our employees when interacting on our social media channels.  Negative comments or personal attacks are not welcome and will be subject to removal.  It is acceptable for individuals to disagree and have varying points of view, nonetheless, we reserve the right to ban a user from any or all our social media channels should they choose not to comply with our social media guidelines.  If the comments are criminal in any nature, they will be reported to the appropriate authorities. MONITORING Please be aware that we do monitor all our social media channels to be as responsive as possible and to ensure that our guidelines are being met.  If you feel there is a policy violation, please report to EXTERNAL LINKS We often use third-party sites as a method of sharing content that we believe our users may be interested in through our social media channels.  These types of posts are not a sign of endorsement or partnership.  We are not liable or responsible for the content, information, security or failure of any products or services promoted or advertised on any third-party site.  Please also be mindful of clicking on any links provided in comments that are not directly posted by SouthStar Bank – it may direct you to an inappropriate site or be a security threat to your device. CHILDREN’S PRIVACY From our web pages, we do not knowingly collect personal information from individuals under the age of 13 without obtaining verifiable consent from their parent or guardian. We request that such individuals do not provide personal information through the services. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website:

Substitute Checks and Your Rights Disclosure

As an account holder, you may see substitute checks from time to time, such as when you receive your account statement with copies of your checks, when you view your account information online, or when you request a copy of your original check for proof of payment. The following substitute check disclosure provides information about substitute checks and your rights. So you will recognize a substitute check when you receive one, we have also included an illustration of the front side of a substitute check along with an explanation of the substitute check’s components.

What is a substitute check?

To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: ‘This is a legal copy of your check. You can use it the same way you would use the original check.’ You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

What are my rights regarding substitute checks?

In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, it you think that we withdrew the wrong amount from your account or that we withdraw money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

It you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar day(s) after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How do I make a claim for a refund?

If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: SOUTHSTAR BANK, S.S.B. 100 S MAIN / PO BOX A MOULTON, TX 77975-0010 Phone: (361) 204-1665

You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

Your claim must include—

  • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
  • An estimate of the amount of your loss;
  • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
  • A copy of the substitute check and/or the following information to help us identify the substitute check: the check number, the amount of the check, the name of the person to whom you wrote the check and the date of the check.

Substitute check image:

  • An image of the original check appears in the upper right-hand corner of the substitute check.
  • A substitute check is the same size as a standard business check.
  • The information in asterisks relates to the “reconverting bank” – the financial institution that created the substitute check.
  • The information in brackets (appears sideways facing check image) relates to the ‘truncating bank’ – the financial institution that took the original check out of the check processing system.
  • The Legal Legend states: This is a legal copy of your check. You may use it the same way you would use the original check.
  • The MICR lines at the bottom of the image of the original and at the bottom of the substitute check are the same except for the “4” at the beginning of the substitute check number, which indicates that it is a substitute check being moved forward for collection purposes. It is also possible for a substitute check number to begin with a “5” if the item is being returned. The rest of the MICR line is the same as the original check to ensure that it is processed as though it were the original.

 Unlawful Internet Gambling Disclosure

Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful internet gambling.


Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This federal requirement applies to all new customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What does this mean for you?

When you open an account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. Additionally, FinCEN has adopted what they describe as a “two pronged” approach to beneficial ownership. The ownership prong includes all natural persons with 25% or more direct or indirect equity interest in a legal entity while the control prong is a single individual with a significant managerial responsibility (the Rule says “control, manage, or direct”) over the legal entity. We will ask to see each person’s driver license and other identifying documents, and copy or record information from each of them.

SouthStar Bank (“SSB”) may make changes at any time to the SSB Products or these Terms of Use. Any modifications to these Terms of Use will be effective upon posting. You should periodically review these Terms of Use to apprise yourself of any modification, revision or update. Your continued use of the SSB Products following posting of any revised Terms of Use will constitute acceptance of the modified Terms of Use.

No Warranties

Although SouthStar Bank (SSB) attempts to provide accurate information, names, images, pictures, logos, icons, documents, and materials (collectively, the “contents”) on the Website, it makes no representation, endorsement, or warranty that such contents are accurate or suitable for any particular purpose. The Website and its contents are provided on an “As Is” basis. Use of the Website and its contents is at the User’s sole risk. SSB makes no warranties of any kind regarding the Products and Services advertised on this site. SSB will use reasonable efforts to ensure that all information displayed is accurate, however, SSB expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus, malware, or other malicious source code. SSB is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential, and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure.

Links to Websites

From time to time, SSB may place links to other Websites or resources on this site. When you’re browsing a secure section of our site, clicking a link that redirects you to a third party web site will result in an on-screen warning. This warning alerts you that you are going to a site not controlled by SSB.  SSB is not responsible for the content on any site other than the SSB Website. Users assume all responsibility when they visit other sites via the links included in the SSB Website.

Intellectual Properties

Except as expressly noted on this Website, all contents and their arrangement are the sole and exclusive property of SSB. The information, graphics and materials contained in this Website are proprietary to SSB or provided under agreement to SSB, as applicable. No material may be copied, displayed, transmitted, distributed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.


Our Online Banking system uses cookies as a security device and to collect information for administrative and security purposes only. SSB does not share cookies information with any third-party vendor for marketing or any other purpose as published in our Privacy Policy. SSB’s Online Banking System is designed to use cookies through a single session and delete them when you log out. The information that is stored is extremely small and should not noticeably affect either your system’s storage capacity or its performance.


If any of the provisions of this Terms of Use are deemed invalid under any applicable statute or rule of law, all remaining provisions shall remain in full force and effect.


No waiver by SSB of any right, term, or provision of these Terms of Use will be deemed a waiver of any other right, term, or provision of these Terms of Use at that time or a waiver of that or any other right, term, or provision of these Terms of Use at any other time.

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Texas, without regard to the conflict of laws thereof and to the laws of the United States.

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