Features
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Free Personal Checking (1)
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Personal Interest Checking
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Value 50 Checking (3)
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High Yield Checking (2)
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Student Checking(1)
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Minimum to open
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$100
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$100
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$100
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$2,500
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$10
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Minimum to avoid monthly charge
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No minimum required
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$100
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No minimum required
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$2,500
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No minimum required
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Monthly charge
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No Charge
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$7.00 + $.25/debit
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No Charge
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$10.00/mo + $.25/debit
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No Charge
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Excess item charge (1)
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No Charge
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$.25/item over 150/mo
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$.25/item over 150/mo
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$.25/item over 150/mo
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No Charge
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Minimum to earn interest
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Not applicable
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$500
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$500
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$2,500
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Not applicable
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Personalized checks
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Available
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Available
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Free
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Free
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Free
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Overdraft protection available (4)
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Yes
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Yes
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Yes
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Yes
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Yes
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ATM Card
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Free
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Free
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Free
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Free
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Free
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Visa Check Card (6) (7)
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Free
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Free
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Free
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Free
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Free
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Visa Credit Card (6)
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Available
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Available
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Available
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Available
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Available
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Security Federal Bank ATM usage
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Free
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Free
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Free
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Free
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Free
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Other-bank ATM usage (4)
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4 times/mo Free
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4 times/mo Free
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4 times/mo Free
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4 times/mo Free
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4 times/mo Free
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Safe deposit box (5)
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Regular price
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Regular price
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20% discount
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20% discount
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Regular price
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Online Banking
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Free
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Free
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Free
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Free
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Free
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(1) Limit of 150 items per month. Items include debits, credits and checks deposited.
(2) High Yield checking interest is comparable to money market rates.
(3) Primary Account holder must be at least 50 years of age to qualify.
(4) Overdraft Protection may be available through a companion account, personal credit line, home equity credit line or Overdraft Reserve.
(5) Safe Deposit box discounts are based on availability and require payment by automatic draft from a Security Federal Bank checking account.
(6) Our Visa Credit Card carries a low annual percentage rate of prime + 2.00%. ATM, Check Cards are issued subject to approval.
(7) Other -bank ATM usage is free up to four times per month. The other bank may impose an ATM surcharge.
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