Banking 101: What to Do With a Substitute Check

What is a Substitute Check?

A substitute check is an official image and the legal equivalent of a paper check (original) as long as it includes the following statement:

“This is a legal copy of your check. You can use it the same way you would use the original check”.

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Topics: State Bank of Southern Utah, nsf, Substitute Check, SBSU, bounced check, Banking 101, Education

Daniel Church - Loan Officer

Daniel Church has been with State Bank of Southern Utah as a Loan Officer for over 7 years. He grew up in Kanab, Utah and received his degree from Southern Utah University specializing in Finance. Daniel is married with 5 children, loves sports and spending time outdoors. As a Loan Officer, Daniel enjoys working at State Bank because of the ability to work with his client's needs. He says that State Bank is flexible enough that he can find a solution for anyone. As a long time Kanab resident, Daniel understands the needs of those living in southern Utah.

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Topics: Kanab, State Bank of Southern Utah, Employees, Loan Officer, Lending, Employee Bio, Daniel Church

Layne Barney - Agricultural Loan Officer

Meet Layne Barney, an Agricultural Loan Officer at State Bank of Southern Utah. Layne has worked at State Bank’s Richfield Branch for 10 months. He enjoys working with his fellow State Bank employees, helping customers and being involved in community events. Layne grew up in Monroe Utah, attended Southern Utah University and graduated with a degree in Agricultural Science. Layne and his wife Jacee have a two year old son, Boston, and are expecting another boy in June! He enjoys hunting, 4-wheeling and refereeing basketball games. As a lifelong southern Utah resident, Layne has a thorough knowledge of the financial market in Sevier County.

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Topics: State Bank of Southern Utah, Employee, Richfield Utah, Southern Utah Lending, Employees, Agricultural Loans, Loans, Employee Bio

Possible Reasons for a Missing Tax Refund

Avoid Misdirected Tax Refunds
Please re-check the account number listed on your tax return or stored in your tax software. Make sure that the bank account is OPEN and ACTIVE (not dormant or closed) and that you have checked the appropriate box on your return, checking or savings.
Missing a tax refund?
If your tax refund is missing, first double check the bank information that was sent with your tax return. There are four problem areas that might result in a rejected refund, as follows:
1. Bank Routing Number, the (RTN or ABA Number). Look for the 9-digit number on the bottom of your checks. State Bank's RTN is 124301779.
2. Bank account number. Make sure that you include all digits of your account number. Some numbers have a digit, a space and then more digits. Others will have 7 or 8 digits with no space. You must include all digits. There should be at least 7 digits in your SBSU account number.
3. Checking or Savings. You must accurately identify the account as a checking or savings account. Money Market accounts are designated as "checking". Your refund will reject if you incorrectly check the "Savings Account" box when your account is really checking or vice versa.
4. Your name. We can sometimes avoid rejecting a refund back to the IRS if your name is accurately listed, including any joint filers who also sign on your account.
Liability for misdirected refunds lies with the person who provided the incorrect information, not the bank. If your refund is missing, contact the IRS to begin the non-receipt process at (800)829-1040.

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Topics: State Bank of Southern Utah, Personal, Taxes, IRS, Tax refund, Avoid Misdirected Tax Refunds, Missing Tax Refund

Brooke Valantine - Mortgage Loan Officer

Brooke Valantine, a Mortgage Loan Officer, has been with State Bank of Southern Utah for over nine years. Brooke was raised in the Upper Peninsula of Michigan and moved to Cedar City in 1998 to attend Southern Utah University. She became a Mortgage Loan Processor in February of 2005 and has loved working at State Bank ever since. Brooke is married, loves quilting, geocaching, crafting and playing with her three little dogs. Her favorite parts about working at State Bank are the customers, her co-coworkers and the small town environment. She says State Bank is like its own little family.

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Topics: State Bank of Southern Utah, Mortgage Loan Officer, Mortgage, Southern Utah Lending, Employees, Loans, Employee Bio

About SBSU

Hometown banking was established in southern Utah with the opening of State Bank of Southern Utah in 1957.

Hometown banking is important because people who live and work in southern Utah make the decisions. Bank employees and officers understand the banking needs of area residents because they are affected by the same economic climate. Find out what hundreds already know - hometown banking is better.

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