Checking Accounts
Your personal checking account should be specific to your needs and circumstances. That’s why First Security Bank has a variety of checking account types for you to choose from.
Green Checking
We have a lot to offer you with this account!
- No minimum daily balance required
- First 40 checks are included
- Unlimited check writing
- Internet Banking, Mobile Banking & Online Bill Pay available
- No FEE Debit Card
- Overdraft Protection available to those who qualify
- Person-to-Person transfers
- $5 Fee for paper statements (fee waived for E Statements)
Elite Checking
If you are age 55 & over, this account is right for you!
- No minimum balance
- No monthly charges
- Standard checks included at no cost
- No FEE debit card
- Internet Banking, Mobile Banking & Online Bill Pay available
- Overdraft protection available to those who qualify
- Person-to-Person transfers
- $5 Fee to receive check images with paper statement
Advantage Checking
A checking account that earns a competitive interest rate and gives you the freedom of check writing!
- Minimum daily balance of $500
- Monthly service charge of $10 if balance falls below minimum daily balance requirement
- Earns a competitive interest rate while maintaining liquidity*
- Internet Banking, Mobile Banking & Online Bill Pay available
- No FEE debit card
- Overdraft Protection available to those who qualify
- Person-to-Person transfers
- Your first 40 checks are included
- $5 Fee to receive check images with paper statement
* Further rate and disclosure information available upon request
Comparison Chart
| Green Checking | Elite Checking* | Advantage Checking | |
|---|---|---|---|
| Minimum Daily Balance Required | $0 | $0 | $500 |
| Monthly Service Charge | No | No | $10 if daily balance falls below $500 |
| Earns Competitive Interest Rate | No | No | Yes |
| Mobile Banking | Yes | Yes | Yes |
| No-Fee ATM/Debit Card | Yes | Yes | Yes |
| Free Checks | First 40 Free | Yes | First 40 Free |
| Overdraft Protection Available | Yes | Yes | Yes |
| Unlimited Check Writing | Yes | Yes | Yes |
| Paper Statement Charge | $5 | $0 | $0 |
* = Must be age 55 & over to be eligible for this account.
**Customers may incur fees from other institutions at foreign ATMs
OVERDRAFT PROTECTION
Avoid those costly overdraft fees!
Overdrafts have happened to the best of us. You make a subtraction error or forget to make a deposit. Avoid the overdraft fee by setting up overdraft protection. First Security Bank has two easy options to help you avoid costly Overdraft fees.
Auto Transfer from Savings
Link your savings account to your checking! Then if your account becomes overdrawn, we will automatically transfer funds to cover your overdrafts. There is a $5.00 fee per transfer.
Readyline (Overdraft Checking)
First Security Bank Readyline is available on all checking accounts (upon credit approval). Transfers are done in $100 increments. Funds will automatically advance to cover your overdraft up to your approved credit limit. There is a $5.00 fee per transfer.
Personal Accounts FAQs
What should I do if I notice an error on my statement?
Call the Bank immediately! We will ask you for a detailed description of the error so we can thoroughly investigate your complaint. Please note that we must hear from you no later than 60 days from the statement date on which the error appeared.
What does it take to open a checking or savings account?
In order to open a checking or savings account with us, we require you to coming in and present us with a valid photo ID and Social Security Number/Fed ID number.
How do I reorder checks?
You can drop off the re-order form, call us, or re-order your checks online.
How to I place a stop payment on an item?
You can call us or stop in. In order to place a stop payment on an item, please be able to provide us with the exact amount, the date of the withdrawal and the check number if applicable.
How can I transfer between two accounts?
You may call First Security Bank, and any associate will be able to transfer for you. Otherwise, on-line banking allows transfers between First Security Bank accounts by using the express transfer button. You may also use bill pay to transfer between your First Security Bank account and a non First Security Bank account.
How can I find out if a check has cleared, what my balance is or amount of my Direct Deposit?
By accessing on-line banking, you can see your account transactions for the current business day as well as prior transaction, including checks that have cleared.
Do you offer overdraft protection and how do I qualify for it?
Yes we do!
Avoid those costly overdraft fees!
Overdrafts have happened to the best of us. You make a subtraction error or forget to make a deposit. Avoid the overdraft fee by setting up overdraft protection. First Security Bank has two easy options to help you avoid costly Overdraft fees.
Auto Transfer from Savings
Link your savings account to your checking! Then if your account becomes overdrawn, we will automatically transfer funds to cover your overdrafts. There is a $5.00 fee per transfer.
Readyline (Overdraft Checking)
First Security Bank Readyline is available on all checking accounts (upon credit approval). Transfers are done in $100 increments. Funds will automatically advance to cover your overdraft up to your approved credit limit. There is a $5.00 fee per transfer.
Want to Bank with Us? It's Easy!
Bank with a group of people dedicated to your security, peace of mind, and individual needs, you have come to the right place.
Starting an account with us is easy! Click the link below to set up your account online, and welcome to First Security Bank!
Take Control and Protect Your Identity
We now offer our checking and savings customers a 3 point level of identity protection through ID TheftSmart. Sign up for ID TheftSmart and have a team of professionals monitoring your information.
