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 ID Theft 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 ID Theft Protection
Additional Fees / Info
*Annual Percentage Yield (APY) effective 05/18/2023. 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 ID Theft 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 ID Theft 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.
