Soy Capital Bank and Trust-SCB Bank: Decatur, Forsyth, Mt. Zion, Bloomington, Peoria, Champaign

Supported Browsers

New Account Questions and Answers

1. “I have had the same account with your bank for 50 years. Why are you changing it now and charging me more fees?”

Our goal is not to make your life more difficult, but rather to help simplify the benefits of each account and to make sure that you have the right account for you. We have developed 2 types of accounts that can fit any lifestyle. Our accounts are also designed to allow our customers the flexibility and choice of avoiding any monthly service charge!

2. “Do I get to pick which account I want or are you going to choose it for me?”

We will initially transfer your account to one of the 2 new account types that most appears similar to your current benefits. However, you can change that account at any time you wish.

3. “Will my account number change?”

Your account number will not change.

4. “If I currently have a Bonus Plus account and you are changing it to a Simply Smart, what are you taking away from me?”

Most benefits will remain unchanged. We are actually adding new benefits to our new products that were not available until now.
- Simply Smart – You will receive one box of checks per year at no charge.
- Simply Soy – If you have direct deposit, you can avoid the monthly service charge.

5. “I heard on WAND that all banks are going to start charging more fees because they are doing so poorly. Is this just a way for you to make more money from my account to make up for your losses?”

Soy Capital Bank has remained one of the strongest financial institutions in Central Illinois. Our intent is to make your life easier not more complicated by adding more costs to your household. Our new accounts are designed for you to be able to avoid any monthly service charge thereby saving you money.

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J.L. Hubbard Insurance and Bonds - A Soy Capital Company