In our experience, certain questions routinely arise - "frequently asked questions." Here are some answers (but if you still have questions, please don't hesitate to contact us):

1. How do I contact customer service?
Please call our toll free number: (800) 660-7800 or (781) 682-3715. Our Customer Service Representatives will be pleased to answer any questions that you may have concerning South Shore Savings Bank.

2. Where can I visit a South Shore Savings Bank location?
For more information on our locations and hours, click here.

3. What if I've lost my ATM or debit card and need a replacement?
If you lose your ATM banking card, contact us immediately to cancel your card and request a new one. During business hours, please contact our Customer Information Center at (781) 682-3715. After business hours, please call (800) 554-8969.

4. Where can I learn about Online Security and Identity Theft Prevention?
You can learn about Privacy, Online Security and Identity Theft Prevention at our Privacy and Security page.

5. What is your routing number?
South Shore Savings Bank’s routing number is 211371447.

6. How safe is my money?
It is very safe. South Shore Savings Bank is insured through the FDIC and DIF. As a result, your deposits are insured up to $100,000 and some retirement accounts are insured up to $250,000. All deposit amounts above the FDIC ceiling are insured by DIF. For more information on FDIC insurance, visit the FDIC online at www.fdic.gov.

7. What kind of loans do you offer?
We offer a full range of commercial, consumer, and residential loans. These include car loans, personal loans, savings secured loans, mortgages, and home equity loans and lines of credit. We also provide our business customers with commercial loans and lines of credit.

8. Does South Shore Savings Bank offer a checking account for seniors?
Yes. If you are 65 years of age or older, you may enroll in our Free Checking for Seniors account. This account carries no minimum balance requirement, no monthly service fee, and no limit to the number of checks you can write. It evens offers interest on your account. For more information, click here.

9. What is the SUMsm network?
When you use an ATM at a financial institution where you don't have an account, that institution may charge you an access fee or "surcharge." South Shore Savings Bank is a member of the SUM Program, so all you have to do is look for ATMs that have the "SUM" logo, and you won't pay a surcharge. There are more than 2,800 SUM ATMs throughout the Northeast. For more information about the SUM Program or a detailed listing of participating SUM ATM locations, click here.

10. I am interested in signing up for Home Banking. How can I learn more about it?
Our online banking program is very convenient, easy to use and free for all of our customers. To learn more, simply click here or visit our online demo.

11. I am already enrolled in Home Banking. How do I sign up for online bill pay?
To add bill pay to your online banking, we will need you to accept the online agreement. Select a checking account click on bill payment icon. Answer a few questions and you will receive an email confirming your enrollment within four hours.

12. Can I download the information into Quicken, Microsoft Money or an Excel spreadsheet?
Yes, this can be done from the “Export History” link in the “History” section.

13. What is Check Imaging?
Image checks replace stacks of canceled checks with a clear, sharp image on your statement of each check paid (front only). This convenient service is provided to our customers at no additional charge.

14. What if I need a copy of a check?
Please view your account online and select the check number you’d like to view or call our Customer Information Center at
(800) 660-7800 and a copy can be retrieved.

15. What is Layered Authentication?
For more information on our new Layered Authentication enhancement to Home Banking, click here.

Check 21
A federal law, known as Check 21, makes it easier for banks to electronically transfer check images instead of physically transfer paper checks. This guide explains your rights under Check 21 as they relate to substitute checks. Substitute checks are special paper copies of the front and back of your original checks that are created to replace the original check.