Checking Accounts
FREE eXtreme Checking - 2.25% APY*
Are you looking for a checking account that rewards you for the things you already do? The First Security Bank eXtreme Checking Account does just that. It is a totally FREE checking account that pays interest. If you qualify*, you also will receive ATM fee refunds! Eligibility requirements:
- To qualify for the 2.25% Annual Percentage Yield** on balances greater than $0.00 and less than $25,000, and have domestic ATM fees refunded, you must:
- Have ten (10) Check Card point of sale transactions post to your account per Qualification Cycle*
- Receive your bank statement electronically
- Set up a direct deposit or auto-debit transaction that will post to your account at least once per Qualification Cycle*
- When the eXtreme Checking Eligibility Requirements are met (see above), the interest rates on your account and corresponding Annual Percentage Yields are described as follows:
- An interest rate of .23% will be paid only for that portion of your daily balance that is greater than $24,999.99. The APY tier will range from 2.25% to .45% depending on the balance in your account.
- An interest rate of 2.23% will be paid only for that portion of your daily balance that is greater than $0.00 but less than $25,000.00. The APY will be 2.25%.
- If you do not meet the Eligibility Requirements for the Qualification Cycle*, all balances will earn .10% interest rate with an APY of .10%.
- If you have met the Eligibility Requirements for the Qualification Cycle*, we will refund domestic ATM fees up to $25 per Qualification Cycle*
- Additional Disclosures:
- This is a variable interest rate account, interest rates are subject to change.
- Rate is effective 10/1/2011. Fees may reduce the earnings on the account.
- No monthly service fee
- Free Online Banking, Bill Payment, Check Card, and E-Statements
- FREE 24-Hour OnCall Telephone Banking
- Minimum to open - $50
A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.
* The Qualification Cycle means a period beginning one day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Note: Recurring check card charges do not count toward the 10 transactions.
**APY = Annual Percentage Yield. Rate is effective 10/1/2011. Fees may reduce the earnings on the account. Rates are subject to change.
SECURITY ADVANTAGE CHECKING
Interest-bearing, unlimited check writing and *One Free box of member checks are just two of the great benefits of First Security Advantage Checking:
Account Features:
- $100 average balance requirement to avoid $10 monthly fee
- Earns interest on balances over $1,000
- Tiered interest rate
- *One Free box of Checks (per year)
- Unlimited Check Writing
- FREE Online Banking, Bill Payment, Check Card, and E-Statements
- FREE 24-Hour OnCall Telephone Banking
- Minimum Balance to open - $100
Rates are subject to change.
A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.
SECURITY FREE CHECKING
If you are looking for basic checking, with unlimited check writing capabilities, First Security's Free Checking account is the answer:
Account Features:
- No Monthly Service Fee
- No Minimum Balance Requirement
- Unlimited Check Writing
- FREE Online Banking, Bill Payment, Check Card, and E-Statements
- Minimum Balance to open - $50
A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.
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Savings Accounts
FIRST SECURITY SUPER SAVINGS
The First Security Super Savings Account is a great way to watch your savings grow! This account features no minimum balance requirement, a tiered rate of interest and is an easy way to save for vacations, emergencies and special purchases.
- No Minimum Balance Required
- Three free withdrawals per month ($2 per withdrawal over three)
- Earns interest on all balances with tiered interest rates
- Minimum Balance to open - $100
A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.
FIRST SECURITY YOUNG SAVERS
Start saving early and open a First Security Young Savers Account.
- Must be 17 and under to qualify
- One withdrawal per month ($5 per withdrawal over one)
- Watch your money grow with online statements
A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.
FIRST SECURITY MONEY MARKET
The FDIC-insured First Security Money Market Account rewards account holders with larger returns on larger deposits.
- Earns interest on all balances with tiered interest rates
- Up to six free pre-authorized or check withdrawals allowed each month ($10 per item over six withdrawals per month)
- Unlimited in-person withdrawals at any First Security Office, subject to the above
- Only a low average balance of $1,000 is required to avoid a $10 monthly maintenance fee
- Minimum to Open: $1,000
A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.
FIRST SECURITY CHRISTMAS SAVINGS
Saving for the Holidays couldn’t be easier than with a Christmas Savings Account from First Security Bank!
- Balance disbursed in October via Direct Deposit
- No minimum balance to open
- Make deposits anytime
- Partial withdrawals not allowed
- $10 fee for closing prior to October
A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.
FIRST SECURITY VACATION SAVINGS
Saving for your dream vacation couldn't be easier with a Vacation Savings Account from First Security Bank!
- Balance disbursed in May via Direct Deposit
- No minimum balance to open
- Make deposits anytime
- Partial withdrawals not allowed
- $10 fee for closing prior to May
A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.
FIRST SECURITY HEALTH SAVINGS
Help control your own health care expenses with a First Security Bank Health Savings Account (HSA). HSAs allow you to save, on a tax-deferred basis, for health care expenses. To open a HSA account you must have a high deductible health plan.
- Interest bearing account
- No set-up fee or transaction fees
- Free HSA Debit Card
- Free Online Banking and Bill Pay
- Monthly maintenance fee waived for the first year
- If balance falls below $1,500, there is a $1.50 monthly fee, after 12 months.
A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.
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CDs and IRAs
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.
- $2,500.00 minimum deposits for CD's 91 days and under
- $1000.00 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 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
A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.
INDIVIDUAL RETIREMENT ACCOUNTS
An Individual Retirement Account (IRA) from First Security is a powerful savings solution, offering potential tax advantages and compounding benefits. We offer FDIC insured IRAs that invest in Certificate of Deposit accounts.
IRAs generally fall into one of two types - the Traditional IRA and the Roth IRA. While each IRA has unique benefits, they both offer tax savings to encourage taxpayers to plan for their future.
- Choice of Traditional or Roth IRA Accounts
- Minimum opening deposit of $1000
- Flexible terms - six (6) months to seven (7) years
- Interest compounded daily for the highest possible yields
A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.
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