Personal Checking
In today's busy world, time and money are hard to come by. At First Security Bank you'll find products designed to give you more of both!
First Choice Checking
- $100 minimum to open
- Service charge $6
- Free Debit Card
- $10,000 Accidental Death & Dismemberment Insurance
- $2,500 Identity Theft Insurance with fraud assistance
- Cash rewards program
- Everyday rebate rewards
- Online local savings
- Discount Gift Card
- Unlimited check writing
- Images of checks included in statement
- Free Online Banking and Bill-pay
- Free personalized Club Checks
- Bounce Protection limit $500
WOW! Checking
- Earn premium interest rate on balances up to $25,000*
(Ask your customer service representative for current rates!) - Refund of ATM fees up to $20 per statement cycle
- No minimum balance
- Opening balance $500
- Unlimited check writing
- No service charge
- Free Online Banking and Bill-pay
- Free Debit Card
- Make at least one direct deposit or ACH automatic payment
- Make at least 10 debit card transactions (excluding ATMs)
- Must enroll in Netteller (Internet Banking)
- Images of checks included in statement
- Bounce Protection limit $700
Money Market Checking
- $100 minimum to open
- Service Charges:
Free with minimum daily balance of $2,500 or more
$10 with minimum daily balance of $0 to $2,499.99 - Competitve interest rates
- Free Debit Card
- Check writing (per cycle)
Maximum of 6 free withdrawals per cycle
$5 per debit in excess of 6 withdrawals per cycle
(Debit Card withdrawals included) - Images of checks included in statement
- Bounce Protection limit $700
Overdraft Privileges
Overdraft Privilege is automatically provided 45 days after opening an account. The Overdraft Privilege applies to checks you've written, ATM withdrawals, Debit Card transactions and ACH Debit Transactions. When there are multiple accounts within one household, all accounts may not be eligible.
Eligible acounts will receive overdraft privileges up to the following amounts:
| WOW | $700 |
| Money Market | $700 |
| NOW | $600 |
| First Choice | $500 |
| Regular | $400 |
| Free & Student | $100 |
Details:
1. The bank's normal insufficient funds (NSF) fee of $29 for each overdraft transaction will be deducted from your Overdraft Privilege.
2. Overdrafts above the established limit may result in checks being returned to the payee and the normal NSF fee of $29 per check being assessed to your account.
3. The bank will notify you by mail when an overdraft occurs and the $29 NSF fee has been charged. After 30 days, you will be charged interest daily on the overdrawn balance at the rate of 2% per annum.
4. If you are unable to bring your account to a positive balance you will receive a letter from First Security Bank informing you of your options. If, after a period of time, your account has not been brought to a positive balance, we will close your account and take other steps to recover funds.