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Checking Accounts


SECURITY BUSINESS CHECKING

If your business processes up to 350 transactions per month, enjoy free checking and more benefits when you open a First Security Business Checking account. No gimmicks, no confusion-just simple, uncomplicated checking account services with an appealing package of benefits.

Account Benefits:

  • 350 transactions per month at no charge *
  • No monthly maintenance fee
  • No minimum balance required
  • High-interest checking account for owners and employees of the business
  • Free Business Online Banking
  • Free Quickbooks download**
  • Free Bill Payment
  • Free Business Check Card
  • No Annual Fee Business Credit Card
  • No FSB ATM Fee when using other bank ATM
  • Free eStatement
  • $50 credit on initial order of checks***
  • Minimum to open - $50

 

SECURITY BUSINESS PLUS CHECKING

Business Plus Checking offers the opportunity to earn a competitive rate of interest on your account balance.

Account Benefits:

  • 300 transactions per month at no charge*
  • Low minimum balance of $2,500 to avoid a $10 fee
  • High-interest checking account for owners and employees of the business
  • Free Business Online Banking
  • Free Quickbooks download**
  • Free Bill Payment
  • Free Business Check Card
  • Free eStatement
  • $50 credit on initial order of checks***
  • Minimum to open - $50

 

SECURITY BUSINESS ANALYSIS CHECKING

A checking choice for businesses with a higher-level of banking needs. Business Analysis Checking allows for an unlimited number of transactions in your account. It also provides you with an earnings credit allowance that can be used to offset monthly processing fees and reduce your checking account expense.

Account Benefits:

  • Unlimited number of transactions
  • Deposit balances earn credit allowances to offset per-item charges
  • High-interest checking account for owners and employees of the business
  • Free eStatements
  • $50 credit on initial order of checks
  • Free Business Online Banking - Information Reporting
  • Minimum to open - $50

*$.50 on each transaction over the limit
**Must already have Quickbooks in order to perform the Download.
***Credit given on checks purchased at First Security Bank


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Savings Accounts


SECURITY BUSINESS SUPER SAVINGS

The First Security Bank Super Savings account is a great way to watch your savings grow! This account features no minimum balance requirement and a competitive rate of interest.

  • Tiered interest
  • Three Free withdrawals per month ($10.00 per withdrawal over three)
  • Free Online Banking, Bill Pay, and Telephone Banking
  • Minimum to open - $100

 

SECURITY BUSINESS MONEY MARKET

Now you can earn higher return on your investment dollars without the high risk. The FDIC-insured First Security Money Market Account rewards accountholders with larger returns on larger deposits.

  • Up to six free pre- authorized withdrawals allowed each month
  • Unlimited withdrawals in person at any First Security branch
  • Only a Low minimum balance of $1,000 is required to avoid a $10.00 monthly fee

 

CERTIFICATES OF DEPOSIT

Make your assets work harder for you by locking in a competitive rate with a First Security CD. Choose from several different maturities to fit your goals. Our CDs require a low minimum opening deposit , and all accounts are FDIC insured, making them a valuable part of a well-balanced cash management strategy.

  • Choose your date of maturity
  • $2,500.00 minimum deposits for CD's 91 days and under
  • $1,000.00 minimum deposits for CD's 92 days up to 84 months
  • Interest compounded daily, credited to principal monthly and paid at maturity unless otherwise specified on the certificate
  • CD's may automatically renew upon maturity at the current rate with the same term*
  • 10 calendar days to withdraw at maturity without penalty - A penalty may be imposed for withdrawals before maturity

*Not applicable with special CD promotions

 


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Loans, Lines and Leases

Maybe you need to borrow to fund a temporary cash flow shortage or buy new equipment. We'll give you the product, the terms, and the rates that are right for you.

If you're considering a line of credit, we offer both unsecured and secured lines-with the flexibility and responsiveness you seek. We also offer term loans and real estate loans to finance your business expansion-loans tailored to your specific needs.

 

Unsecured Lines of Credit:
Designed to assist small businesses that want to react quickly to business opportunities, need cash flow assistance, or want to fund business growth.

 

Small Business Line of Credit:
Sometimes you experience temporary cash shortfalls and need to borrow for business expenses such as purchasing, restocking inventory, making seasonal or volume purchases, or taking advantage of trade discounts.

The Small Business Line of Credit is designed to help businesses like yours. It's straightforward, simple, and there when you need it.

 

Term Loan:
Term Loans take the guesswork and uncertainty out of borrowing.

Interest rates are either fixed or floating. Accounts receivable and corporate or personal assets can serve as collateral.

 

Commerical Real Estate Loan:
First Security has the know-how and the staff to put together a Commercial Real Estate Loan package that really works for you.

Our specialists can offer you flexibility in terms with customized, more manageable payments, and fixed or floating rates. Floating rates are usually based on the prime rate.

Buy, build, update-the choice is yours. Let our lenders provide you with a competitive loan custom-designed just for you.

 

(SBA) Small Business Loan:
Looking to start your own business? Need alternatives for financing? An SBA loan could give you the financial support that you need. We finance start-ups, ground up construction, and many other business expansion projects. Additionally, many established businesses use First Security's SBA loans for working capital and other borrowing needs.

We're proud to be an SBA Lender. We have the knowledge and we have the expertise.

That's experience. Put it to work for you.

 

Agricultural Loans:
Commercial Agricultural Loans and Mortgages - First Security Bank offers farm loans that provide funds for capital, equipment purchases and operating needs, as well as for long term financing on Real Estate.

 


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