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Products & Services
Checking & Savings Accounts
Regular Checking Account
- $100.00 minimum balance required
- $5.00 service charge per statement cycle if balance falls below $100.00 any day of the statement cycle
- Monthly statement
- No service charge 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 statement cycle depending upon insurance coverage obtained
- Non-interest bearing
- No charge for incoming or outgoing wire transfers, faxes, photocopies, cashier’s checks, money orders, automatic and telephone transfers, stop payments, and notary service. No monthly charge for Debit/ATM card.
Security Club NOW Account*
- $500.00 minimum balance required
- $10.00 service charge per statement cycle if balance falls below $500.00 any day of the statement cycle
- Monthly statement
- Service charge of $4.00 or $6.00 per statement cycle depending upon insurance coverage obtained
- Interest credited monthly
- Interest rate and annual percentage yield may change at any time
- No charge for incoming or outgoing wire transfers, faxes, photocopies, cashier’s checks, money orders, automatic and telephone transfers, stop payments, and notary service. No monthly charge for Debit/ATM card.
NOW Account
- $500.00 minimum balance required
- $10.00 service charge per statement cycle if balance falls below $500.00 any day of the statement cycle
- Monthly statement
- Interest credited monthly
- Interest rate and annual percentage yield may change at any time
Business Account
- Service Charge: We impose a per check fee of $0.10 and a per transit item fee or $0.05 with a $10.00 maintenance fee and credit earnings of $0.10 per $100.00 of the average balance in the statement cycle.
- Monthly statement.
Passbook Savings Account
- $200.00 minimum balance required
- $5.00 service charge per statement cycle if balance falls below $200.00 any day of the statement cycle
- No service charge for customers 65 years of age or older and students 17 years of age or younger
- Quarterly statement
- You may make six (6) transfers from your account each statement cycle by preauthorized or automatic transfer, telephone, check, draft, debit card or similar order. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
- Interest credited semi-annually
- Interest rate and annual percentage yield may change at any time
Money Market Savings Account
- $2,500.00 minimum balance required to open an account
- $10.00 service charge per statement cycle if balance falls below $2,500.00 any day of the statement cycle
- Monthly statement
- Interest credited monthly
- Interest rate and annual percentage yield may change at any time
- You may make six (6) transfers from your account each statement cycle by preauthorized or automatic transfer, telephone, check, draft, debit card or similar order. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
- $10.00 Excessive Transaction Fee if exceeds transaction limit disclosed above
Certificates of Deposit
- Variety of terms available
- Minimum balance of $1,500.00
- 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
- All personal checking and savings account holders may be eligible.
- $1.25/month service charge (free with Security Club account)
- $10.00 replacement fee if lost, damaged, or hot carded.
Other Services
- Free Online Banking
- Consumer Loans
- Agriculture Production Loans
- Commercial Loans
- Farm Land Loans
- Ready Reserve
- Home Improvement Loans
- Home Equity Lines of Credit
- Overdraft Protection
- Home Purchase Financing
- Remote Deposit Capture
*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 Security Club account) |
$6.00 |
| Cashier's Checks (free with Security Club account) |
$10.00 |
| Levies, Garnishments, and Executions |
$30.00 |
| Photocopies (free with Security Club account) |
$.25 per page |
Outgoing Wire Transfers
(free with Security Club account) |
Customer - $30.00
Non-Customer - $50.00
Foreign - $50.00 (may by country) |
Incoming Wire Transfers
(free with Security Club account) |
Customer - $5.00
Non-Customer - $30.00
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| Check Collections |
$25.00 |
| Non-Customer Check Cashing (with approval) |
$8.00 plus $5.00 per $100.00 |
| Faxing Service (free with Security Club account) |
$1.00 per page |
| Safe Deposit Box Rental: 3 x 5 |
$28.00 |
| Safe Deposit Box Rental: 4 x 5 |
$30.00 |
| Safe Deposit Box Rental: 5 x 5 |
$32.00 |
| Safe Deposit Box Rental: 3 x 11 |
$38.00 |
| Safe Deposit Box Rental: 4 x 10 |
$50.00 |
| Safe Deposit Box Rental: 5 x 11 |
$54.00 |
| Safe Deposit Box Drilling |
$50.00 plus drilling fee |
| Safe Deposit Key Replacement |
$20.00 |
| Notary Fee (free with Security Club account) |
$10.00 |
| Account Activity Printout |
$3.00 |
| Amortization Schedule |
$10.00 |
| Overdraft Item Fee |
$30.00 per item |
| Return Item Fee |
$30.00 per item |
| Stop Payment Request (free with Security Club account) |
$30.00 per item |
| Automatic transfer between in-house accounts |
$2.00 per transfer |
| Telephone transfer between in-house accounts |
$3.00 per transfer |
| Account Research and Reconciling |
$30.00 plus $30.00 per hour research fee |
| ATM / Debit Card Monthly Charge (free with Security Club) |
$1.25 per month |
| ATM/Debit Card Replacement Fee |
$10.00 |
| Deposited Checks returned unpaid |
$4.00 per item |
| Coin Counting (Non-Customer) |
$10.00 plus 10% of total |
| ACH Rejects |
$5.00 |
| Dormant Account Service Charge |
$5.00 per month |
| Bond of Indemnity |
$25.00 |
| Account Verification |
$5.00 |
**FEES AND CHARGES ARE SUBJECT TO CHANGE
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