Checking Accounts

Free Checking

  • Minimum opening balance: $100.00
  • No maintenance fees
  • Canceled Checks NOT returned
  • No imaged statement

Regular Checking

  • Minimum opening balance: $100.00
  • Unlimited check writing

Maintenance Fees: 
Daily Balance Maintenance Fee:
        Over $750.00 None
        Below $750.00 $ 6.00 per month

Commercial Checking Same As Above

Churches and Civic Groups are Exempt From Service Charges 

Security Club Regular

  • Minimum opening balance: $100.00
  • $8.00 fee per month
  • $10,000.00 AD&D Insurance
  • Cashier Check, Money Order
  • Nationwide Discount Book
  • Medical Emergency Data Card
  • No fee Security Check Debit Card
  • Free standard club checks

Security Club Family

  • Minimum opening balance: $100.00
  • $11.00 fee per month
  • $20,000.00 AD&D Insurance
  • $2,500.00 AD&D for spouse and children
  • Shoppers Advantage
  • Plus all Benefits of Regular Club

Senior Checking

  • 55 or older
  • Minimum opening balance: $100.00
  • No maintenance fee
  • Free standard personal checks
  • Direct deposit required


NOW Checking

  • Minimum opening balance: $500.00
  • Interest is tiered at $500.00, $1,000.00 and $2,500.00
  • Interest is paid on available daily balance
  • Same service charges as Regular Checking
  • Security Club NOW accounts available

Security Money Market

  • Minimum opening balance: $2,500.00
  • Interest is tiered at $2,500.00, $10,000.00, $50,000.00, $100,000 and above
  • Balance below $6,000.00: $12.50 monthly fee
  • Six withdrawals or transfers per month
  • More than six transactions: $3.00 per transaction

Security Advantage Checking

  • Minimum opening balance: $5,000.00 or Direct Deposit
  • Interest is tiered at $2,500.00, $10,000.00, $50,000.00, $100,000, and more than $250,000
  • Balance below $1,000.00: $8.00 monthly fee
  • Unlimited Check Writing
  • Free Checks for 1 year, Free Visa Debit Card, Free Online Banking and Free Internet Bill Payment

Security Check Card

  • Alternative form of accessing checking account
  • Not a Credit Card
  • Monthly fee of $1.00 (Security Club member free)
  • Serves as ATM card
  • Accepted anywhere Visa is accepted

If card is lost or stolen call 1-877-300-3509 and choose option 9

Security Card

  • ATM card
  • 24 hour access to money
  • PIN enhances security

Other Checking Account Charges

  • Insufficient funds/paid or returned $26.00 per check
  • Returned check $5.00 per check
  • Stop payment $26.00 per check
  • Overdraft for three consecutive days $5.50/day
  • Dormant Fee: $10.00 per month if balance falls below $300.00