Anyone who lives, works, worships, or attends school in Champaign, Ford, or Piatt County may join.Don’t forget, the immediate family of members is also eligible to join. Also, once a member, always a member.To join the Bank just come by our office, call us at number or e-mail us. We will get you an application.

There are no fees for membership. The minimum deposit is $15 in a share account. This establishes ownership in the Bank and makes one eligible for all the other benefits and services available.

Banks are not for profit organizations whose mission is helping members achieve financial independence. They are owned by the members that have money on deposit with the Bank. Banks are owned by investors who look for a profit. While they offer many of the same services as Banks, their mission is to earn a return on their owner’s investments. Another important difference is that Banks are controlled by their members through the election of a board of directors. In a bank only the stockholders have a voice in the election of the board of directors. Bank customers have no voice in the leadership of their institution. The directors of Banks are also volunteers. In fact, it is illegal for them to receive compensation for their work as a director. This means they make decisions based upon the membership’s best interests, not just a few stockholders. Because of these differences in philosophy and leadership Banks are able to typically offer services with lower fees and better rates than banks. This may explain why year after year the banker’s own trade publication, American Banker rates Banks number one in customer satisfaction.

On August 9, 1943 twelve civil service employees of Chanute Field met in the Civilian Personnel Office. They selected 9 of those present to the newly formed Board of Directors. By the end of the next month there were 47 members and assets totaled $580! At the end of World War II assets were up to $3,290. Peace did not bring an end to the air base. During the Cold War, Korea, and Vietnam War civilian employment remained high at Chanute. The Bank grew. In the early 1980’s an early base closure scare prompted the members to open up the Bank to the surrounding area and it became Rantoul-Chanute Community Bank. To emphasize its service to a larger area the name was changed to Bank Plus. However, many people did not realize that we were a community Bank. When we converted to a federal charter it was necessary to have the words "Federal Bank" at the end of our name, so we took the best of the last two names and became Confident Capital.

To report a Debit or ATM card as lost, stolen or damaged and to receive a new card

South Trust Accessk has taken many steps to make sure you are protected online: 256-bit Secure Sockets Layer (SLL) technology. To access your accounts, you must use a browser that supports a 256-bit encryption. A User ID and Password are required every time you login. Your sign on information is used for accessing your accounts online – never share them with anyone. The computers that run our site are protected by firewalls, which are systems that prevent unauthorized access to our network. They are constantly monitored to prevent security breaches. A South Trust Access online session will automatically end, or “time out”, if you do not perform any transactions for twenty minutes. To resume your session, you will have to log back in to Online Banking. When using a new device to log into Online Banking for the first time, an additional South Trust Accessl of security is added with an automated phone call to the primary phone number for you, SMS text message to the primary cell phone number for you, or additional “out-of-wallet” questions must be answered before being prompted to enter your password.

Mobile Deposit allows you to deposit checks into your South Trust Access Bank account using your smart phone (iPhone or Android) or iPad. Before you can start using Mobile Deposit, you’ll need to make sure you have the South Trust Access Bank installed on your mobile device.

If you notice a transaction on your account or debit card that you did not authorize, you may dispute that transaction. Please email us on contact@southtrustaccessb.com and ask for the branch you normally do business with. If South Trust Access Bank is closed, we will be able to help you with a dispute during business hours.