Checking Accounts
Security First Bank believes that personal checking accounts are just that – personal. Choose from four accounts, from no-frills Free Checking to feature-rich, interest-bearing Gold Checking. Use the chart below to compare accounts or give us a call and we’ll help you select the account that best fits your needs.
First Checking
Getting Started
- $100 minimum deposit to open
- $500 minimum balance to avoid maintenance fee*
Standard Features
- Printed and mailed monthly statements with check images
- Unlimited check writing
- Free Debit Card
- Free ATM use** (at Security First ATMs)
- Access to Online/Mobile banking
- Access to EZShield® Fraud Protection
Additional Fees / Info
*$8 monthly maintenance fee is waived if a $500 minimum balance is maintained every day of the statement cycle or if a consumer loan relationship of $7,500 or greater exists on the last day of statement cycle. If your account is subject to a monthly maintenance fee, you may reduce it by changing the type of statement you receive. You will receive a $2 credit per month if you choose to go paperless with an online statement.
**Applies to Security First customers using Security First-owned ATMs. Fees may be charged when using ATMs not owned by Security First.
Green Checking
Getting Started
- Earn up to 2.89% *APY
- $100 minimum deposit to open
- No minimum balance required
Standard Features
- Interest-bearing
- No monthly maintenance fee**
- Online statements*
- Unlimited check writing
- Free Debit Card
- Free ATM use*** (at Security First ATMs)
- Access to Online/Mobile banking
- Access to EZShield® Fraud Protection
Additional Fees / Info
*Annual Percentage Yield (APY) effective 05/16/2025. Interest rates based on electronic statement delivery, the number of monthly debit card transactions, and account balance. For account balances up to $50,000, 0 to 6 transactions earn 0.40% APY, 7 to 19 transaction earn 0.75% APY, and 20+ transactions earn 2.89% APY. Paper statement delivery OR account balances over $50,000 will earn 0.40% APY. Rates subject to change at our discretion and fees may reduce earnings.
**Online statement delivery, high speed Internet and a valid email address are required. If online statement delivery is not maintained, Green Checking is subject to a $10 monthly statement fee.
***Applies to Security First customers using Security First-owned ATMs. Fees may be charged when using ATMs not owned by Security First.
First Free Checking
Getting Started
- $100 minimum deposit to open
- No minimum balance required
Standard Features
- No monthly maintenance fee*
- Unlimited check writing
- Online statements*
- Free Debit Card
- Free ATM use** (at Security First ATMs)
- Access to Online/Mobile banking
- Access to EZShield® Fraud Protection
Additional Fees / Info
*Online statement delivery, high speed Internet and a valid email address are required. If online statement delivery is not maintained, First Free Checking is subject to a $2 monthly statement fee.
**Applies to Security First customers using Security First-owned ATMs. Fees may be charged when using ATMs not owned by Security First.
Gold Checking
Getting Started
- $100 minimum deposit to open
- $1,500 minimum balance to avoid maintenance fee*
Standard Features
- Interest-bearing
- Printed and mailed monthly statements with check images
- Unlimited check writing
- Free Debit Card
- Free ATM use** (at Security First ATMs)
- Access to Online/Mobile banking
- Access to EZShield® Fraud Protection
- Free standard checks or 50% discount on specialty checks***
- Free safe deposit box for one year (where available)
- No fees on Money Orders
Additional Fees / Info
Must be at least 50 years of age.
*$5 monthly maintenance fee is waived if a $1,500 minimum balance is maintained every day of the statement cycle or if a deposit relationship of $15,000 or greater exists on the last day of statement cycle. If your account is subject to a monthly maintenance fee, you may reduce it by changing the type of statement you receive. You will receive a $2 credit per month if you choose to go paperless with an online statement.
**Applies to Security First customers using Security First-owned ATMs. Fees may be charged when using ATMs not owned by Security First.
***Shipping charges on check orders still apply.
Our bank offers a range of convenience products and services to enhance your banking experience, including online banking, mobile banking app, online bill pay, mobile check deposit, and Zelle®. Please be aware that additional terms and conditions may apply to these services. We encourage you to review these terms and conditions carefully to understand your rights and responsibilities. Additionally, please note that third-party fees for internet, messaging, or data plans may apply when using these services.
