If you are looking for a Southern Utah bank, you most likely mean State Bank of Southern Utah: a locally owned community bank founded in Cedar City in 1957, with 17 branches in 14 towns, including St. George, Santa Clara, Hurricane and two in Cedar City. This guide lists every local branch with hours and phone numbers, the routing number, the app, what reviewers say and how SBSU compares with Cache Valley Bank, Chartway and Zions. Everything comes from sbsu.com and the other institutions' own sites, checked October 11, 2026.
State Bank of Southern Utah: Branches, Hours, Routing Number and Reviews quick facts
- Headquarters
- 377 N Main St, Cedar City, UT 84721
- Main phone
- (435) 865-2300
- Routing number
- 124301779
- Founded
- 1957, Cedar City
- Branches
- 17 in 14 towns; 7 in Washington and Iron counties
- Insured
- Member FDIC
What is the Southern Utah bank most people mean?
When people say "the Southern Utah bank," they almost always mean State Bank of Southern Utah (SBSU), a locally owned community bank founded in Cedar City in 1957 and still headquartered there. It has 17 branches in 14 Southern and Central Utah towns, including five in Washington County: St. George Boulevard, River Road, Washington Fields, Santa Clara and Hurricane.
SBSU is a bank, not a credit union, and its deposits are FDIC insured. Its slogan is "Locally Owned, Community Grown," and its loan officers and decision-makers sit in Cedar City and the branches rather than in Salt Lake City or out of state. Our State Bank of Southern Utah listing has the headquarters contact details; this guide covers every local branch, the routing number, the app, reviews and how SBSU compares with the other banks and credit unions in Southern Utah.
Where are the State Bank of Southern Utah branches, and what are their hours?
State Bank of Southern Utah has seven branches in Washington and Iron counties: St. George Boulevard, River Road, Washington Fields, Santa Clara, Hurricane, Cedar City Main and Cedar South Interchange. Lobbies are open Monday through Friday, 9 a.m. to 5 p.m. at most branches; drive-ups open at 8 a.m. and most run Saturday 9 a.m. to 1 p.m. Cedar South Interchange is the only branch with a Saturday lobby, 10 a.m. to 4 p.m.
| Branch | Address | Phone | Lobby | Drive-up |
|---|---|---|---|---|
| St. George Blvd. | 395 E St. George Blvd, St. George 84770 | (435) 674-4164 | Mon to Fri 9 to 5 | Mon to Fri 8 to 6; Sat 9 to 1 |
| River Road | 1337 E 170 S, St. George 84790 | (435) 652-7000 | Mon to Fri 9 to 5 | Mon to Fri 8 to 6; Sat 9 to 1 |
| Washington Fields | 2961 E Mall Dr, St. George 84790 | (435) 522-1300 | Mon to Fri 9 to 6 | Mon to Fri 8 to 6 |
| Santa Clara | 2287 Santa Clara Dr, Santa Clara 84765 | (435) 673-7360 | Mon to Fri 9 to 5 | Mon to Fri 8 to 6; Sat 9 to 1 |
| Hurricane | 720 W State St, Hurricane 84737 | (435) 635-6300 | Mon to Fri 9 to 5 | Mon to Fri 8 to 6; Sat 9 to 1 |
| Cedar City Main (HQ) | 377 N Main St, Cedar City 84721 | (435) 865-2300 | Mon to Fri 9 to 5 | Mon to Fri 8:30 to 6; Sat 9 to 1 |
| Cedar South Interchange | 1322 S Interstate Dr, Cedar City 84720 | (435) 586-4100 | Mon to Fri 9 to 7; Sat 10 to 4 | Mon to Fri 8:30 to 7; Sat 10 to 4 |
Every branch has an ATM and a notary; River Road, Cedar City Main and Cedar South Interchange also have coin counters. The other ten branches are in Parowan, Kanab, Orderville, Tropic, Escalante, Circleville, Richfield, Gunnison Valley, Fillmore and Delta; addresses and hours for all 17 are on the SBSU branch locations page. All lobbies are closed on Sunday, and hours change on bank holidays.
Open the location in Google Maps for directions.
What is the State Bank of Southern Utah routing number?
The State Bank of Southern Utah routing number is 124301779. The bank publishes it on sbsu.com, where it says the ABA routing number is used with your account number for direct deposits and for certain transfers. The same routing number applies to every SBSU branch, from St. George to Delta.
You will need it for payroll direct deposit, automatic bill payments and incoming ACH transfers. SBSU does not publish wire instructions or a SWIFT code online; call your branch for those. Verify the number on the bank's own routing number page before setting up a payment, since we are not the bank.
What services does State Bank of Southern Utah offer?
State Bank of Southern Utah offers personal and business checking and savings, consumer and commercial loans, home loans through its mortgage team, business services including Positive Pay, and investment services through SBSU Financial. Every branch has an ATM and a notary, most have drive-ups, and online and mobile banking include mobile deposit, Zelle, bill pay and digital wallets.
- Personal banking: checking, savings, consumer loans and mortgages; the branch pages list the loan officers based at each location.
- Business banking: business accounts, commercial lending and Positive Pay fraud protection for checks and ACH.
- Investments: brokerage and advisory services through SBSU Financial, a separate site linked from sbsu.com.
- In branch: ATMs at all 17 branches, notaries at all, coin counters at River Road and both Cedar City branches, and a 24-hour ATM at the Cedar City headquarters.
- Education: a financial education section and fraud and scam guidance on the website.
Does State Bank of Southern Utah have online banking and a mobile app?
Yes. The SBSU Mobile App for Apple and Android offers mobile check deposit, fingerprint or face login and quick balance previews. Online banking uses one login across devices and includes customizable alerts, a personal finance manager, Credit Sense credit score monitoring, Zelle, digital wallets, bill pay and e-statements. The bank also has an SBSU Card Suite app for cards and an SBSU Kids app.
Enrollment is at online.sbsu.com. Alerts and card controls through Card Suite let you watch for the fraud that reviewers at other banks complain about; SBSU reviewers on Google mention its fraud protection as a reason they stay.
What do customers say in State Bank of Southern Utah reviews?
On Google, the St. George Boulevard branch is rated 4.4 stars from 28 reviews and the Cedar City headquarters 4.2 stars from 73 reviews, as of October 11, 2026. Positive reviews praise friendly staff, business loans and fraud protection; critical ones mention ATM deposit problems and fees. The bank replies to negative reviews.
Those are better scores than the Google ratings shown for the Zions Bank and Wells Fargo branches on Cedar City's Main Street, and in line with the credit unions. Review counts are small, so read the recent ones rather than the average.
How does State Bank of Southern Utah compare with Cache Valley Bank, Chartway and Zions?
State Bank of Southern Utah is the only one of the four headquartered in Southern Utah, with seven local branches. Cache Valley Bank, based in Logan, has three Southern Utah branches (two in St. George, one in Cedar City). Chartway, a Virginia-based federal credit union, has five (St. George Tabernacle and Sunset, Washington Red Cliffs, Hurricane, Cedar City). Zions Bank, Utah's largest, is headquartered in Salt Lake City with branches across St. George, Washington, Hurricane and Cedar City.
| Institution | Type and insurance | Headquarters | Southern Utah branches | Saturday |
|---|---|---|---|---|
| State Bank of Southern Utah | Bank, FDIC | Cedar City, UT (founded 1957) | 7: St. George x3, Santa Clara, Hurricane, Cedar City x2 (17 statewide) | Drive-up at most; lobby at Cedar South Interchange |
| Cache Valley Bank | Bank, FDIC | Logan, UT (opened 1975) | 3: St. George Tabernacle and River Road, Cedar City (24 total, Utah and Idaho) | River Road drive-up 9 to noon |
| Chartway Federal Credit Union | Credit union, NCUA | Virginia Beach, VA | 5: St. George x2, Washington, Hurricane, Cedar City (13 in Utah) | Lobby 9 to 1 |
| Zions Bank | Bank, FDIC | Salt Lake City, UT | St. George x4, Washington, Hurricane, Cedar City (third-party directory) | Varies by branch |
The practical differences: a credit union like Chartway requires membership and pays out to members instead of shareholders; Cache Valley Bank and SBSU are both community banks with local lenders, but SBSU's decisions are made in Cedar City; Zions has the most branches and ATMs statewide. For who can join Southern Utah's credit unions, see our Canyon View (formerly University of Utah) Credit Union guide, and for the full list of local institutions, the financial services directory.