An independent community bank since 1907

ONLINE BANKING


Personal



Business




Spencer County Bank 
and Businesses


A partnership designed for growth and stability


Maximizing time, efficiency, and profit is what separates a strong and thriving business from one that is merely surviving.  We offer tools to help make your financial transactions quick and easy so you have time to make your business dreams a reality.  Please Contact Us to learn more about these specific services.


icon of a cell phone
Business Online

money icon
Business Accounts

money icon
Business Loans

credit card icon
Business Credit Cards


shaking hand icon

ACH origination


wire transfer icon
Wire Transfers


credit card icon
Merchant Card Services


Services

Do you want to know your current balances first thing in the morning? 
Need to know if a deposit has cleared before you write a check? 
Prefer to earn as much interest as possible before you transfer funds? 
Want to make more informed financial decisions?

picture of a cell phone If these features interest you, consider Business Online. This secure, 24/7 service provides the most accurate picture of your cash position possible. Intuitive menus, system icons, and well-organized hyperlinks make it easy for you to format and transmit requests directly to our system from your computer. 

Make loan payments. Initiate wire transfer instructions, stop payment instructions, complete ACH Origination of payroll and billings, and more.


Business banking has never been easier or more convenient. Business Online provides both transaction capability and information access. You don’t need to interrupt your busy schedule to make trips to a brick-and-mortar bank location.

Security for all accounts is our priority.

The Business Online system boasts the latest security features and data encryption capabilities, helping ensure your financial information is safe.  The secure internet connection between your company and Spencer County Bank also allows you to complete important business banking through our website no matter what branch you normally use.

Through Business Online, you have access to your business accounts such as:  

  • Business Checking 

  • Business Money Market 

  • Business Investor Transaction 

  • Business Savings 

Our fees for Business Accounts are some of the lowest around.  You also benefit from Spencer County Bank’s fast, friendly, and accurate service.  For more information on how we can turn your Business Checking into a true funds management system, Contact Us

We love working with businesses, big and small, including our local farmers. Our bank is perfectly suited to deliver high tech solutions with a personal touch. We offer:

  • Operating Lines of Credit 

  • Commercial Real Estate Loan 

  • Construction Loans 

  • Equipment Loans 

  • Agricultural loans of all types

  • Visa Business Credit Cards 

  • And More

We will help determine the proper amount of your loan including seasonal adjustments, as well as collateral and repayment considerations. Our rates are very competitive, and our customer service is exceptional. Contact us for more information.

We also offer a Visa Business account that allows your company and/or its employees to carry a widely-accepted Visa card to easily make purchases securely and track payments with individual or consolidated statements.  Added benefits include: 

Travel Accident Insurance – As a cardholder whose name appears on the Business Visa Card issued through your employer, you are automatically insured up to $150,000 for Common Carrier Travel Accident Insurance (accidental death and dismemberment coverage), at no additional cost, when you fares for covered business trips are charged to the Business Card member’s account.  Some exclusions apply.

Falcon Fraud Detection Service – Authorizations are monitored for suspicious transactions to prevent unauthorized card usage.

Auto Rental Insurance – This service reimburses you for the repair or replacement of covered losses to a rental vehicle while the vehicle is your responsibility.

Purchase Security and Extended Protection Program – As a cardholder, for no additional change, almost all the retail purchases that you make with our Visa Business Card are automatically protected.  Purchase Security will replace, repair or reimburse you up to a maximum of $10,000 per claim and $50,000 per cardholder for most retail goods purchased for the first 90 days from the date of purchase in the event of loss, theft, damage, or fire.

Extended Protection doubles the time period of the original manufacturer’s written U.S. repair warranty up to one full year on warranties of three years or less for most items purchased entirely with your Visa business card, up to a maximum of $10,000 per claim.  A covered warranty must contain certain information.

Travel & Emergency Assistance – As a cardholder, for no additional charge, you will have access to several emergency services available 24 hours a day, 365 days a year.  This service provides assistance and referral only.  You are responsible for the actual cost associated with these services.

Transaction, authorization, processing and network services for credit and debit cards. Secure. Seamless. Refreshingly human.

Banc Card local representatives meet our customers face-to-face and listen to their needs. Their seasoned, professional team provides industry experience and knowledge, enabling them to recommend reliable solutions for your business. Banc Card understands the importance of trusted relationships and responds quickly to the needs of the business owners.

  • Point of Sale Terminals- We offer the latest terminals and equipment.
  • Gateway/Virtual Terminal Products-  Customized software, gateway, e-commerce and integration solutions.
  • Mobile Products- We offer the latest in mobile credit card processing.
  • Specialty Cards- Custom cards of all types - gift, loyalty, fleet and more.

Banc Card offers the most up to date payment processing solutions, highly secure, easily deployable and intuitive to use.


Picture of Santa Claus Indiana branch

| Santa Claus
P.O. Box 159
55 North L.J. Koch Blvd.
Santa Claus, IN 47579

Phone: (812) 937-4433
Fax: (812) 937-2979

picture of Richland branch building

| Richland
P.O. Box 9
3780 North State Road 161
Richland, IN 47634

Phone: (812) 359-4471
Fax: (812) 359-4472

picture of St Meinrad branch

St. Meinrad
P.O. Box 27
13029 E State Rd 62
St. Meinrad, IN 47577

Phone: (812) 357-7292
Fax: (812) 357-7293

picture of the Dale branch

Dale
P.O. Box 371
10 North Washington St
Dale, IN 47523

Phone: (812) 937-4870
Fax: (812) 937-4871

picture of the Grandview branch

Grandview
P.O. Box 668
322 Main Street
Grandview, IN 47615

Phone: (812) 649-2600
Fax: (812) 649-5282