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SCB has been nominated for Best Bank in Sevier County in the Mtn Press Reader's Choice Awards. Voting can be done online or via paper ballot, now thru August 26th. If you like SCB's mix of professional, personable service, we'd sure appreciate your vote!

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June’s Hot Topic- Mindful Spending

During summer months, both families and individuals may notice an increase in expenses.  Some of this could be due to money spent on recreation or possibly the addition of childcare for children that would normally be in school.  SCB’s Hot Topic for the month of June is Mindful Spending. 

Here are a few tips that you might find useful during these usually expensive summer months:

  1. Be organized.  If you can’t find it- you can’t use it.  For example- if you’re packing for vacation and cannot find your kid’s floaties or goggles from last summer, what is the quick solution?  More than likely, you will make a purchase for new floaties and goggles.  You may not think this is a big deal or expense, but think about how much additional expense you can incur if you have to replace multiple misplaced items…yikes!
  2. Utilize coupons and discounts.  This tip is pretty straightforward.  A lot of companies offer great deals or even free products or services.  These special offers could be obtained via company websites, social media, or even a keytag.  Just be sure that any source you may be using is reputable.
  3. Use cash.  It is amazing how easy it is to pull out plastic to pay for a purchase, but when you use cash, it usually makes you stop to think for a moment.  I know I ponder purchases for a bit longer when I pay with cash rather than credit.  Here are a few thoughts to consider… do I really need this?  Is this item worth this amount?  How many hours do I have to work to pay for this?
  4. Review your spending on a regular basis.  This is an excellent tip for year-round, not just summer.  However, if you review your spending now, you may free up funds that aren’t being utilized to help pay for summer fun.  One example of an item to review is subscriptions.  This could be for a product or service.  If you analyze your spending, take time to consider these and how they do (or do not) benefit your life currently.  If it is no longer of value to you (and there is no great cancellation fee), cancel it.


May's Hot Topic- Beneficial Ownership

New regulation requiring financial institutions to obtain certain info for business accounts

New law effective May 11, 2018 will require businesses to provide certain information when opening new accounts or applying for a new loan.  This information will be required for the business's beneficial owners.
Thank you for your cooperation in providing SCB with the documentation and information required by law.  We appreciate your business!  If you have any questions or would like further information on what is being required by the Beneficial Ownership regulation, call us or stop by any SCB location.


April's Hot Topic- Financial Literacy

The main key to financial success is know how money works.  Here are a few tips...


March's Hot Topic- TAXES

It's tax time yet again.  No one likes them, but unfortunately we all have to pay them.

For more helpful information, visit the IRS website

Saving Money

Whether it’s for a particular purpose or an emergency fund, having money set aside is always a great idea.

Check out a wide variety of financial calculators here on by clicking on Financial Calculators near the top of any page (just to the left of Contact Us).

Data Privacy

Data Privacy Day is recognized as a consumer awareness observance on January 28th, but keeping your data private should be of importance every day of the year.  Your information should be treated like your money- manage it and protect it- because it is valuable. 

For more helpful tips, visit the Federal Trade Commission or



SCB is proud to partner with Deluxe to to offer IDFP services.  We all know that ID theft is a major problem.  But, did you know that...

Enroll today to receive peace of mind with this service that you otherwise would not have in the unfortunate event that you become a victim.  Get it now- before you need it!

SCB customers only need to sign up for this service on one checking account for all their accounts and credit cards to be covered under this service.  (Note- this is registered by SSN, not account #, so please contact us for more details.)  Once registered, you will be given the opportunity to add other options to your service, such as choosing a plan that will add coverage to family members. 

We have 2 options available.  Review the information below to see which option might best suit your needs.

Want more information or have questions about either service?  Click here to be contacted by an SCB representative.

ID Restoration- valued at $6 per month- is available to SCB customers for only $1 per month! 
(Free to SCB Key Interest Checking account holders.)

Provides subscriber with:

ID Protect Plus- valued at $25 per month- is available to SCB customers for only $6 per month!  (Just $5 to SCB Key Interest Checking account holders.) 

Provides subscriber with:

Go to to access your new service and find the peace of mind you deserve.


Recently, Equifax, one of the three national consumer credit reporting agencies, announced a major data breach.  This breach affects approximately 143 million Americans.  This is what we know according to Equifax: the data breach occurred May – July 2017, and the information stolen includes consumers’ personally identifiable information, including names, Social Security numbers, dates of birth, addresses and, in some cases, driver’s license numbers.  Approximately 209,000 credit card numbers and dispute documents with personally identifiable information for approximately 182,000 consumers were also stolen.  There is no evidence of unauthorized access to consumers’ credit reporting databases.

To be clear, SCB was not compromised and your information was not stolen from our bank.  However, SCB takes the security of our customer information very seriously, and we are providing you with the information we know about this massive breach, as well as steps you can take to protect your personally identifiable information.  Following this unprecedented breach, we are also asking our customers to be extra vigilant and for any suspicious activity in your accounts.

Equifax has established a website that informs consumers if they may have been affected by the breach,  This website also provides additional information on the breach and offers complimentary identity theft protection and credit file monitoring. (Note- there are varying opinions on whether enrollment in the complimentary monitoring releases Equifax from future liability if you were to pursue legal action, so we encourage you to please read all information carefully.) 

To protect your identity and personal information, SCB strongly encourages our customers to take the actions noted below.

Equifax has established a dedicated toll-free number, 1-866-447-7559, to answer questions you may have about the Equifax data breach and its effect on your personally identifiable information.

Identity thieves are smarter and more organized than ever before.  While many companies offer one year of free credit monitoring as a conciliatory gesture (after their data breach has been publicized), many consumers have concluded this is not adequate protection.  Since identity thieves often use the compromised information outside the free monitoring period, either before the breach is discovered or after the one year expiration of free monitoring service, many consumers have recognized the need for more consistent ID Theft & Fraud Protection. 

SCB is proud of our continued partnership with Deluxe Provent, and we offer their EZShield ID monitoring and ID restoration services at deeply discounted rates to our customers (some services as inexpensive as $1.00 per month).  For additional information about these services, read below, visit your closest SCB branch or call us to talk with one of our friendly bankers.


The Importance of Passwords

Every new app or device comes with a risk. The same technology that allows you to download new music to your phone could allow others to empty your bank account.

If you want to keep your account safe, the first line of defense is a good, strong password.

The basics still apply: no names, places, or birthdates — they're easy to guess, especially with the aid of unintended clues you may have posted on Facebook or other social media.

And we'll just assume you're not using "password" as your password, okay? Although if you are, you have plenty of company: that's still the second-most-common online password. Number one? 123456, which we'll get to in a minute.

Here are a few more guidelines for creating strong passwords:

Notice I've been saying "passwords," as in plural? Yeah, we both know you're not supposed to reuse a password. But we both know you do. So do I — but that doesn’t mean we should. In particular, passwords for your banking accounts should be unique from all other accounts.

The average person uses just five passwords to protect about two dozen accounts. Who can remember more, especially when you’re not supposed to write them down?

But here's an approach that can make it easier to create and recall effective passwords. Instead of passwords, think passphrases.

Remember how you're not supposed to use names, dates, or places — things you’re most likely to remember — as passwords? That rule stands, but you can build a short phrase that means something to you alone.

Here's how it works.

Like the Beatles? Let’s say you do. And because you’re such a big fan, you know that “Ticket to Ride” was released in 1965. So, how about 6Ticket2R1de5?

That's a good password: it uses both upper and lower-case letters and numbers to make a unique phrase that's memorable to its user. Using some lookalike numbers for letters further confuses would-be code crackers. We hope.

And if your playlist is more likely to include Beyoncé, this system will still help you design a memorable password.

All this doesn't eliminate the need for multiple, unique passwords, and you should still change them every month or so. But it could at least make them easier to remember.

As we said earlier, writing down passwords is risky, and kind of defeats the whole purpose.

But with passphrases, you can keep a note with clues that make sense to no one else. In the examples we've just seen, you might use "she don't care," for instance.

Just make these clues obscure enough that only you would know them. Don’t ever write down the passwords themselves.



Tax Scam News & Tips

The IRS website is an excellent tool for a variety of information.  Since tax filing season is upon us, the most recent news is dealing with tax scams.

Click here to see info on that offers tips on what you need to be on the look out for.

Managing your money is not limited simply to balancing a checkbook and paying bills.  Making sure that you keep an eye on your finances is crucial to maintaining stable financial health.  SCB wants to help!

Financial Health Tips

Click here to view a pdf featuring helpful financial tips and useful, credible websites.

Holiday Shopping Tips

Just like food and decorations, deep discounts and bargain prices have become a huge part of the holidays. As shoppers go online to find good deals, they are also exposing themselves to cyber criminals seeking to exploit the festive season.

Scammers and spammers view the holidays as a golden opportunity to take advantage of unsuspecting online shoppers. Hackers may use tactics like preying on popular keyword searches to lure shoppers to malicious websites, with the goal of collecting financial and personal information.

To help keep you and your bank account safe, it’s important to learn how to shop securely during the holidays. These simple tips from the STOP.THINK.CONNECT.TM Campaign can help protect your personal information and transactions throughout the holiday season: