South Central Bank, National Association is a community bank with a national banking charter, with offices on the near south and near west side of Chicago. Deposit services are provided to residents, to local businesses and organizations and their employees. Loans are provided to our depositors and others in the community.

Our mission is to provide the highest level of personal contact and service, being on the “cutting edge” of technological changes, and offering a wide variety of fairly priced financial products. Our customers want the stability and satisfaction of personal relations at the bank, while knowing we provide for the changing nature of needs and expectations.

Elsewhere, consumers have to deal with call centers, and 800 phone numbers and seldom discuss their needs with the same person again. Not at South Central Bank—we stay with your needs all the way, every day. You will get to know us, and we will get to know you.

South Central Bank provides a level of fraud prevention above and beyond other banks. We look at signatures of checks, we text-alert debit card transactions, verify wires by call, and contact good customers if they make an inadvertent overdraft. Our goal is to know you!

Customers can use many features available with online banking or with our free mobile app to make remote deposits 24/7. Consumers can apply for a mortgage, but more importantly, during banking hours you will have the same banker help you and answer questions.

South Central Bank, N.A. specializes in certain loans outside the immediate community. The bank is an expert in the home improvement finance industry, servicing home improvement contractors in fourteen states. Home owners seeking direct consumer home improvement loans can apply online and receive credit approval immediately with a 10 minute application.

The bank is a Preferred Lender with the Small Business Administration (SBA) and offers SBA loans to small businesses throughout the Chicago metropolitan area. We were one of the first lenders in this program in our area, and make a variety of SBA loans.

We manage funds making sure that idle funds are utilized. We even pioneered Sweep Accounts for small businesses. Through a selected bank network, your deposit accounts can be secured up to $60 Million through CDARS (for Certificates of Deposits) and ICS (for Money Market Accounts), and all accounts are on one statement.

We provide Personal Financial Planning, Retirement Planning and non-deposit Financial Products through an affiliation with Raymond James Financial Services, a respected name in the investment industry. Our wholly-owned affiliate, First Business Insurance Agency provides Casualty Insurance to our business and consumer customers.

Whatever you ask of us… “The Bank That’s All Your Own,” will serve you.