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Checking Accounts


BaZing Checking Account

BaZing! logoOur BaZing checking customers are a really happy bunch of people! Why? Because they get all these benefits* with their BaZing checking account:

  • Discounts at over 300,000 national, regional, and local retailers on travel, dining, entertainment and more!
  • Cell Phone Protection
  • Identity Theft Aid and Payment Card Protection
  • Savings on prescription drugs, vision, and hearing with our Health Savings Card.
  • Travel Accidental Death Insurance worth $10,000.**
  • Weekly Email with featured Specials!

All of these benefits for $6 a month or $5 with eStatements!

You can be this happy too... just ask for BaZing checking!


*Account must be open active, and a positive balance with First Security Bank to be eligible for benefits. You will need computer access to take advantage of the benefits and savings made available to you via the BaZing website. Limitations apply to the product benefits. Please visit BaZing.com or your nearest First Security Bank for benefit details.
**Insurance products are not FDIC insured, not a deposit, not an obligation of or guaranteed by First Security Bank, its affiliates, or any government agency.

 


extreme checking Checking - 2.50% APY*

extreme checkingAre 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. If you are eligible*, you also will receive up to $25.00 ATM fee refunds per qualification cycle**! *Eligibility requirements:

  • To be eligible for the 2.50% Annual Percentage Yield (APY)** on balances less than $15,000.00, and have domestic ATM fees refunded, you must:
    • Have twelve (12) Check Card point of sale transactions post and settle to your account per Qualification Cycle** (ATM transactions and recurring check card transactions do not count toward the required 12 point of sale transactions.)
    • Receive your bank statement electronically
    • Set up a direct deposit or an automatic recurring ACH transaction that will post to your account at least once per Qualification Cycle*. If you do not receive your bank statement electronically and receive a direct deposit or recurring ACH transaction for 60 days you will be converted to a Security Checking Account.
    • $50 minimum to open
  • When the eXtreme Checking Eligibility Requirements are met (see above), the interest rates on your account and corresponding Annual Percentage Yields (APYs) are described as follows:
  • An interest rate of 2.47% will be paid only for that portion of your daily balance that is greater than $0.00 and less than $15,000.00. The APY tier will be 2.50%.
  • An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than or equal to $15,000.00. The APY tier will range from 2.50% to 0.10% depending on the balance in your account.
  • If you do not meet the *Eligibility Requirements for the Qualification Cycle**, all balances will earn 0.05% interest rate with an APY of 0.05%.
  • Additionally, 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 7/01/2013. Fees may reduce the earnings on the account. 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 12 transactions.
  • No monthly service fee
  • Free Online Banking, Bill Payment1, Check Card, and eStatements
  • FREE 24-Hour OnCall Telephone Banking

1 - Your Online Bill Pay account will be subject to an inactivity fee of $6.95 per Bill Pay Cycle. The inactivity fee will be charged if there is no payment activity in a Bill Pay cycle. A bill pay cycle is a re-occurring monthly period starting from the actual date you activated Online Bill Pay Services.

 

SECURITY ADVANTAGE CHECKING

Interest-bearing, unlimited check writing and *One Free box of member checks are just some of the great benefits of First Security Advantage Checking:

Account Features:

  • $1,000 average daily balance requirement to avoid $10 monthly maintenance 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 Payment1, Check Card, eStatements, and 24-Hour OnCall Telephone Banking
  • Minimum Balance to open - $100
  • Minimum average balance of $1,000 required to avoid a monthly $2 paper statement fee.

1 - Your Online Bill Pay account will be subject to an inactivity fee of $6.95 per Bill Pay Cycle. The inactivity fee will be charged if there is no payment activity in a Bill Pay cycle. A bill pay cycle is a re-occurring monthly period starting from the actual date you activated Online Bill Pay Services.

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 CHECKING

If you are looking for basic checking, with unlimited check writing capabilities, Security Checking account is the answer:

Account Features:

  • No Monthly Service Fee!
  • Unlimited Check Writing
  • FREE Online Banking, Bill Payment1, Check Card, and Statements
  • Minimum Balance to open - $50
  • Minimum average balance of $1,000 required to avoid a monthly $2 paper statement fee.

1 - Your Online Bill Pay account will be subject to an inactivity fee of $6.95 per Bill Pay Cycle. The inactivity fee will be charged if there is no payment activity in a Bill Pay cycle. A bill pay cycle is a re-occurring monthly period starting from the actual date you activated Online Bill Pay Services.

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 ($4 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 or under to qualify
  • One withdrawal per month ($5 per withdrawal over one)
  • Watch your money grow with online statements
  • Minimum to open - $10

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
  • $5 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 CLUB SAVINGS

Saving for your dream vacation couldn't be easier with a Vacation Savings Account from First Security Bank!

  • Earn interest on your account!
  • Balance disbursed in May via Direct Deposit into another First Security Bank checking or savings account. In the unlikely event you would like to transfer your money outside of First Security Bank, a $5.00 fee will be assessed.*
  • $5 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.

* Changes effective May 15, 2013

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
  • Monthly maintenance fee waived for the first year
  • If balance falls below $1,500, there is a $1.50 monthly fee, after 12 months.
  • 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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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
  • 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
  • Low Minimum Opening Deposit
  • 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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