First Security Bank - Hendricks, MN

Products & Services

Regular Checking	Security Club Checking	Security Club NOW
NOW Account	Business Account	Passbook Savings
Money Market Savings	Certificates of Deposit	ATM/Debit Cards
Home Equity Loan	Other Services	Miscellaneous Fees and Charges

Checking & Savings Accounts

Regular Checking Account

$100.00 minimum balance
$5.00 monthly service charge if balance falls below $100.00 any day of the statement cycle.
Monthly statement
No service fee for customers 65 years of age or older and students 17 years of age or younger.
Non-interest bearing

Security Club Checking Account*

No minimum balance required.
Monthly statement
Service charge of $4.00 or $6.00 per month depending upon insurance coverage obtained.
Non-interest bearing.
No charge for faxes, photocopies, or ATM / Debit card, cashier's checks, or money orders. One free wire transfer per month.

Security Club NOW Account*

$500.00 minimum balance required.
$10.00 monthly service charge if balance falls below $500.00 any day of the statement cycle.
Monthly statement.
Security Club Fee of $4.00 or $6.00 per month depending upon insurance coverage obtained.
Interest compounded and credited monthly.
Interest rate and annual percentage yield may change daily.
No charge for cashiers checks, money orders, faxes, photocopies, or ATM/Debit card. One free wire transfer per month.

NOW Account

$500.00 minimum balance required.
$10.00 monthly service charge if balance falls below $500.00 any day of the statement cycle.
Monthly statement.
Interest compounded and credited monthly.
Interest rate and annual percentage yield may change daily.

Business Account

Service charge: we impose a per check fee of 0.10 and transit item fee of 0.05 with a $10.00 monthly maintenance fee and credit earnings interest on collected balance.
Monthly statement.

Passbook Savings Account

$50.00 minimum balance required to open an account.
$5.00 Activity Charge if balance falls below $200.00 on any day of the month.
No minimum balance required or service fee for customers 65 years of age or older and students 17 years or younger.
Quarterly statement.
You may make no more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts and debit card or other similar transactions from your account per month or statement cycle.
Interest compounded and credited semi-annually.
Interest rate and annual percentage yield may change daily.

Money Market Savings Account

$2,500 minimum balance required to open an account.
$10.00 monthly service charge if balance falls below $2,500.00 any day of the month.
Monthly statement.
Interest compounded and credited monthly.
Interest rate and annual percentage yield may change daily.
You may make no more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts and debit card or other similar transactions from your account per month or statement cycle.
$10.00 service charge if exceed transaction limit disclosed above.

Certificates of Deposit

Variety of terms available.
Minimum balance of $1,500.00 to open.
Interest rates and annual percentage yields may change at any time
at the discretion of First Security Bank.

Other Products & Services

ATM and Debit Cards

$1.25/month service fee - free with Security Club account.
$10.00 replacement fee if lost.
ATM withdrawal Daily limit of $200.00. Point of sale daily limit of $500.00
ATM operator / Network Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Home Equity Loan

Enables you to take advantage of your home's equity for many other purposes.

Other Services

Credit Card Applications
Consumer Loans
Agriculture Loans
Commercial Loans
Ready Reserve
Home Equity Lines of Credit
Direct Deposit
Overdraft Protection
Home Purchase Financing

*Security Club Checking Accounts contain AD&D (Accidental Death & Dismemberment) insurance. The following disclosure is required when selling a non-deposit product such as AD&D insurance:
The Accidental Death & Dismemberment (AD&D) insurance is:
   1. Not a Deposit
   2. Not FDIC Insured
   3. Not Insured by any Federal Government Agency
   4. Not Guaranteed by the Bank

Miscellaneous Fees and Charges

Money Orders (free with per month Security Club) .............	$5.00
Cashier's Checks (free with Security Club) ..........	$8.00
Levies, Garnishments, and Executions ........	$25.00
Photocopies (free with Security Club, up to 10 copies per month) ........	$.25 per page
Outgoing Wire Transfers (one free per month with Security Club) ........	Customer: Domestic - $25.00 Foreign - varies by country
Incoming Wire Transfers (one free per month with Security Club) ........	Customer - $5.00
Check Collections ......................................	$25.00
Non-Customer Check Cashing (with approval).......	$5.00 plus $2.00 per $100.00
Faxing Service (free with Security Club) ..........	$1.00 per page
Safe Deposit Box Rental: 3 x 5 ...................	$26.00
Safe Deposit Box Rental: 4 x 5 ...................	$28.00
Safe Deposit Box Rental: 5 x 5 ...................	$30.00
Safe Deposit Box Rental: 3 x 11 .................	$36.00
Safe Deposit Box Rental: 4 x 10 ................	$48.00
Safe Deposit Box Rental: 5 x 11 ................	$51.00
Box Drilling ...............	$40.00 + drilling fee
Safe Deposit Key Replacement ....................................	$20.00
Notary Fee (free with Security Club)............	$10.00
Account Activity Printout ...........................	$3.00
Amortization Schedule ...............................	$10.00
Overdraft Fee (each item paid)...........	$30.00 per item
Return Item Fee (each item returned) ...	$30.00 per item
Stop Payment Request .............................	$30.00 per item
Point-of-Sale Transactions	$500.00 per day dollar limit
Automatic transfer between in-house accounts	$2.00 per transfer
Telephone transfer from checking to savings	$3.00 per transfer
Account Research and Reconciling ............	$20.00 minimum or $20.00 per hour
Cash withdrawal at ATM	$200.00 per day dollar limit
ATM / Debit Card Service Fee (free with Security Club)....................	$1.25 per month
Replacement of Lost ATM/Debit Card or PIN.........	$10.00
Deposited Checks returned unpaid...............	$4.00 per item
Check printing ...............	Fee depends on style of check ordered
Coin Counting ...............	$5.00 + 10% - Non-Customer No Charge - Customer
ACH Rejects	$5.00

Security Statement

Products & Services

Checking & Savings Accounts

Other Products & Services

© First Security Bank Web Site by: MAS Media

© First Security Bank

Web Site by: MAS Media