Checking Account Information
A checking account at Security National is a safe, convenient way to manage your money. A minimum opening deposit of $100.00 is required. All your bank deposits are insured up to $100,000 by the FDIC.
Free Checking Account
If you are a more cost-conscious consumer but you like the convenience of a checking account, Free Checking may be right for you.
- No minimum balance
- No monthly service fee
- No per check charges
- Unlimited check writing
- Free Internet Banking and Bill Pay
- Check safekeeping standard
- Convenient monthly combined statement
- VISA debit or ATM card available with this account for $1.50 per month
E-Account/Student Checking
If you are a busy student looking for a convenient and affordable checking account, you will want to consider the E-Account.
- No minimum balance
- VISA debit or ATM card
- Ten free Non-SNB ATM transactions per statement cycle; $1.00 per transaction over ten
- Privileged Status ATM transactions available
- Free Internet Banking and Bill Pay
- Four free checks written per statement cycle; $.50 per check over four
- eStatement standard
Generations Gold Checking Account [BACK TO TOP]
If you want a checking account that provides you with money saving discounts for travel, entertainment, groceries, and much more, Generations Gold checking may be the account for you!
- No minimum balance
- No per check charges
- Free VISA check or ATM card**
- No annual fee VISA credit card (Available to qualified applicants only.)
- Free basic wallet checks
- Free travelers/official checks
- Free notary service
- First year free on a small safe deposit box
- $100 off closing costs for an SNB mortgage loan (Available to qualified applicants only.
- Generations Gold national discounts.
- Free Internet banking and bill pay
- $6.95 monthly maintenance fee
Generations Gold Plus Checking [BACK TO TOP]
A financial services program especially for those age 60 or better.
- All features and benefits of Generations Gold Checking
- $3.95 monthly maintenance fee
Checking with Interest [BACK TO TOP]
No maintenance fee with a minimum daily balance of $500 or an average daily balance*** of $2500. Should you balance fall below $500 on any day of the statement cycle, and your average daily balance*** is less than $2500, the following fees will apply:
- Monthly maintenance fee of $8.00
- Receive up to 25 checks or debits at no charge, $.25 fee for each transaction over 25 during a statement cycle. VISA debit transactions are free and are not counted in determining the number of transactions during the cycle period. (Listed on statement as Total Fees For Service-Chargeable Debits.)
- VISA debit or ATM** card available with this account
- Convenient monthly combined statement
- Optional check safekeeping*
- Free Internet banking and Bill Pay
Premiere Checking [BACK TO TOP]
By maintaining combined average daily deposit balances*** of $15,000 or more (consumer accounts only), you receive the following checking account benefits:
- No per check charges
- Interest bearing account
- VISA debit or ATM card available with no monthly fee
- Unlimited ATM/VISA check card usage with no transaction fees
- Free first order of standard style wallet checks
- Free travelers/official checks
- Optional check safekeeping*
- Convenient monthly combined statement
- Free Internet Banking and Bill Pay
- Should your average combined daily balance*** fall below $15,000 during a statement cycle, a monthly maintenance fee of $15.00 will be charged
Small Business Checking Accounts [BACK TO TOP]
When you're building a business you need quality financial services and advice. Business checking accounts at Security National Bank have been designed with the special needs of small and medium sized businesses in mind.
Basic Business/Civic Checking
Basic Business/Civic Checking is ideal for businesses with limited balances and account activity. This account also offers a convenient way for small clubs and civic groups to maintain an affordable checking account.
- Opening deposit of $100
- VISA debit card available with this account**
- Standard check safekeeping*
- Excess activity fee of $.25 per debit or deposited item over 25, regardless of balance. (Listed on statement as Service - chargeable Debits)
Small Business Checking
Small Business Checking is designed for those small businesses with moderate checking and deposit needs. It operates like a personal account in your businesses name. As your business grows, Security National will monitor your activity level. We will work with you to determine the most appropriate checking account to meet your business' changing needs. Minimum opening deposit of $100 is required.
- Opening deposit of $100
- No Maintenance fee with a minimum balance of $100 or an average daily balance* of $500. Should your balance fall below $100 on any day of the statement cycle, and your average daily balance* is less than $500, a monthly maintenance fee of $6.00 will apply
- VISA debit card available with this account**
- Standard check safekeeping*
- Excess activity fee of $.25 per debit or deposited item over 100, regardless of balance (Listed on statement as Service - chargeable Debits)
Business Checking with Interest
An interest-bearing version of our Small Business Checking account is available for sole proprietors and non-profit groups.
- Opening deposit $100.00
- No maintenance fee with a minimum balance of $500 or an average daily balance*** of $2,500. If your balance falls below $500 on any day of the statement cycle, and your average daily balance*** is less than $2,500, a monthly maintenance fee of $8.00 will apply.
- VISA debit card* available with this account
- Standard check safekeeping*
- Excess activity fee of $.25 per debit or deposited item over 100, regardless of balance. (Listed on statement as Service-chargeable Debits)
[BACK TO TOP]
*Checks returned with statement - $2.00 per month
**$5.00 charge for each initial or replacement card. ATM & Debit Card...$5.00 fee to report lost or stolen cards. Usage...$1.00, plus tax, fee for transactions not completed on a Security 24 ATM. (Listed on statement as Transaction Fee, Non-SNB ATM.) On Generations Gold and Checking with Interest Accounts, this fee is waived on two transactions per statement cycle if you maintain a average daily account balance of at least $2500 or more. On Money Market Gold Savings accounts, this fee is waived if you maintain an average daily balance of $15000 or more.
***The average daily balance is calculated by adding the principle in the account for each day of the period and dividing that figure by the number of days in the period.
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