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Checking Accounts* |
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Checking is
your fundamental financial tool. It not only gives you the
ability to use your money the
way you
want, it forms the basis for all your banking accounts and
services. |
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Our
checking plans have been specifically designed to provide
meaningful features and outstanding value. All our plans
provide you with the security of FDIC deposit insurance and the
convenience of 24-hour banking, along with an easy-to-read
monthly statement. We now offer a toll free number for account
access at all times and on-line banking to meet all your needs
from account transfers to bill pay. |
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Free Checking* |
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• $25 Opening
Deposit |
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• No service charges |
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• No minimum balance
requirements |
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• Unlimited check
writing |
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• No charge for
check safekeeping |
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• First 50 checks
free |
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• $400 Overdraft
Privilege |
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• No charge for
Debit/ATM Card |
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Basic Checking* |
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• $100 Opening
Deposit |
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• Unlimited check
writing |
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• Immediate credit
for deposits |
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• First 50 checks
free |
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• No service charge
if monthly balance stays above |
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$100 |
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• $700 Overdraft
Privilege |
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• No charge for
Debit/ATM Card |
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Security Club Checking* |
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• $100 Opening
Deposit |
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• No minimum balance
requirements |
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• Unlimited check
writing |
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• Immediate credit
for deposits |
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• Personalized
checks free of charge |
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• $10,000 Accidental
Death Insurance** |
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• Travel &
entertainment discounts |
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• Credit Card
Registration & Lost Key Return |
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• Medical I.D. Card |
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• Household
Inventory Log |
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• Free Notary
Service |
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• Cashier Checks at
no issuance fee |
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• $700 Overdraft
Privilege |
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• No charge for
Debit/ATM Card |
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• $7.00 per month
service charge |
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Security Club Gold* |
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• $100 Opening
Deposit |
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• No minimum balance
requirement |
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• Unlimited check
writing |
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• Immediate credit
for deposit |
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• Personalized
checks free of charge |
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• $20,000 Accidental
Death Insurance** |
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• Travel &
entertainment discounts |
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• Custom Trip
Routing Service |
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• Local Pharmacy
Discount Card |
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• KidCare Child ID
Program |
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• Local Merchant
Discount Card |
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• Credit Card
Registration & Lost Key Return |
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• One signature
Travelers Checks & Cashier Checks |
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at no issuance fee |
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• Medical I.D. Card |
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• Household
Inventory Log |
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• Auto Emergency Log |
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• Free Notary
Service |
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• Free 3X5 safety
deposit box for one year |
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• No charge for
Debit/ATM Card |
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• $9.00 per month
service charge |
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Senior Citizens* |
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• No minimum balance |
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• Free Senior checks |
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• No charge for
Debit/ATM Card |
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• No service charge |
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NOW Account* |
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• $500 Opening
Deposit |
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• Unlimited check
writing |
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• Immediate credit
for deposits |
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• Individuals and
sole proprietorships only |
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• Monthly balance
below $500, $8.00 service charge |
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Small Business* |
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• $500 Opening
Deposit |
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• Write up to 40
checks per month |
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• No analysis
charges |
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• No maintenance
charge if balance stays above $1000 |
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• If balance falls
below $1000, a $7.00 service charge is |
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applied monthly |
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Business* |
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• $1000 Opening
Deposit |
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• Write up to 75
checks per month |
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• No analysis
charges |
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• Immediate credit
for deposit |
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• No maintenance
charge if average balance stays |
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above
$1000 |
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• Monthly balance
below $1000, $10.00 Service charge |
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monthly |
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Savings
Accounts* |
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At Security Federal,
we offer a complete range of Certificates of Deposit and
Savings
Accounts, and you will find our rates to be consistently among
the most competitive in this area. One of our Customer Service
Representatives will be happy to tell you about any of our
current rates. |
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Regular
Savings* |
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• $10.00
Opening Deposit |
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Eighteen withdrawals per quarter at no charge |
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• $.75 per
withdrawal over eighteen |
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• Unlimited
ATM withdrawals |
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• Interest
posted quarterly |
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• ATM Card
at no charge |
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Christmas
Club* |
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• $10.00 Opening
Deposit |
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• $1.00 per
withdrawal |
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• Check mailed in
October/November |
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• No ATM Card
available on this account |
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MMDA*
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• $1,000 Opening
Deposit |
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• 3 checks and 3
pre-authorized electronic withdrawals per month |
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• $15.00 service
charge if balance falls below $1000, or if
you exceed
over the check writing limit, there is a $10.00 service charge
per check |
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• Unlimited in-house
account transfers |
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IRAs and
CDs*
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• Please see a
Customer Service representative for |
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current
terms and rate information. |
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*Subject to Credit Approval |
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**Accidental
Death Insurance is |
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• Not a Deposit |
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• Not FDIC Insured |
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• Not Insured by any
Federal Government Agency |
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• Not Guaranteed by
the Bank |
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• May go down in
value (only if there is an investment |
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component) |
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