Conforming Loan Payments

Loan Payments are posted (i.e. credited) on all business days depending on the time you make the payment and the method you use to make the loan payment. All loan payments must be accompanied by the account number or payment coupon provided.


Business days are Monday-Friday, excluding Federal Holidays

If you have a late charge that is scheduled to be assessed on a day that is not a business day, you will need to ensure we received your payment on a business day prior to that date to avoid the assessment of late charges.

In Person. If you make a loan payment directly at State Bank of Southwest Missouri, 3310 E Sunshine, Springfield, MO Monday-Friday between the hours of 8:00 AM and 4:00 PM the payment will be posted on that business day. If you make a payment after 4:00 PM on a business day, on Saturday or Federal Holiday, the payment will not be applied until the next business day.

Night Depositories at State Bank of Southwest Missouri Facilities. If you deposit a loan payment in the Night Depository located at 3310 E Sunshine, Springfield, MO after 8:00 AM, that payment will be posted the next business day.

Internet Transfers. If you make a loan payment via State Bank of Southwest Missouri’s online banking service after 6:00 PM on a business day, the payment will be posted the next business day. If you conduct the transaction before 6:00 PM on a business day, it will be posted the day you execute the transaction.

Telephone Banking Transfers. If you make a loan payment by calling State Bank of Southwest Missouri via telephone Monday-Friday between the hours of 8:00 AM and 4:00 PM, the loan payment will be posted on that business day. Any other telephone loan payment transfers will be posted the next business day. Loan payments made by telephone can only be executed if the checking or savings account is located at State Bank of Southwest Missouri.

Mailing Payments. You may mail a payment to State Bank of Southwest Missouri at PO Box 10828, Springfield, MO 65808. Any loan payments received via physical mail Monday-Friday between the hours of 8:00 AM and 4:00 PM will be posted on that business day. Any loan payments received via physical mail after 4:00 PM on a business day, on Saturday or Federal Holiday will be posted on the next business day. You should allow at least three days for mail to be received and realize that we may receive your payment on a Non-Business Day, which would further delay the posting of the payment.