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Checking Account Information
Smart Checking [BACK TO TOP]
This account combines a high interest rate with an attractive list of free services to make your busy life easier.
- Opening deposit $100
- Direct Deposit required with this account
- Maintenance Fee of $10.00 will be waived by
- $2,000 minimum daily balance-OR-
- $5,000 average daily balance***
- Low Activity Fee of $15.00 will be waived by the following activity levels each statement period
- 6 Visa Debit purchases each month-OR-
- 10 checks written each month-OR-
- 3 ACH withdrawals each month
- Balances up to $100,000 earn 4.01% APY*
- Free Internet Banking and Bill Pay**
- Unlimited check writing
- No per check charges
- One account per household
*An interest rate of 2.00% will be paid only for that portion of your daily balance that is greater than $100,000. The annual percentage yield for this tier will range from 3.01% to 4.01% depending on the balance in the account. If your daily balance is $100,000 or less, the interest rate paid on the entire balance will be 3.93% with an annual percentage yield of 4.01%. Fees may reduce earnings. Rate subject to change at banks discretion.
Free Checking [BACK TO TOP]
This account provides no-hassle convenience for the cost-conscious consumer.
- Minimum opening deposit of $100 Is required for all checking accounts
- 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
- ATM or VISA debit card available with this account
Generations Gold Checking [BACK TO TOP]
This account provides national money saving discounts and much more.
- Minimum opening deposit of $100 is required for all checking accounts
- No minimum balance
- No per check charges
- Free VISA debit or ATM card
- No annual fee VISA credit card available (Available to qualified applicants only.)
- Generations Gold national discounts and travel discounts
- Free standard style wallet checks
- Free official checks
- Free Internet Banking and Bill Pay**
- Free notary service
- First year free on small safe deposit box
- $100 off closing costs for an SNB mortgage loan (Available to qualified applicants only.)
- Convenient monthly combined statement
- $4.95 monthly maintenance fee
Checking with Interest [BACK TO TOP]
This account has the convenience of a checking account plus the benefits of a savings account.
- Minimum opening deposit of $100 is required for all checking accounts
- No maintenance fee with a minimum daily balance of $500 or average daily balance*** of $2,500. Should your balance fall below $500 on any day of the statement cycle, and your average daily balance*** is less than $2,500, 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)
- ATM or VISA debit card available with the account, see Other Banking Services
- Convenient monthly combined statement
- Free Internet Banking and Bill Pay **
- Optional check safekeeping
Basic Business Checking [BACK TO TOP]
Basic Business Checking is ideal for businesses with limited balances and account activity.
- Opening deposit of $100
- No minimum balance
- Check safekeeping standard ****
- 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 [BACK TO TOP]
Small Business Checking is designed for those small businesses with moderate checking and deposit needs.
- Opening deposit of $100
- 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 maintenance fee of $6.00 will apply
- VISA debit card available with this account, see Other Banking Services
- Check safekeeping standard ****
- 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 [BACK TO TOP]
An interest-bearing version of our Small Business Checking account is available for sole proprietors and nonprofit groups.
- Opening deposit of $100
- Minimum balance of $500 or an average daily balance*** of $2,500
- Should your balance fall 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, see Other Banking Services
- Check safekeeping standard ****
- Excess activity fee of $.25 per debit of deposited item over 100, regardless of balance (Listed on statement as Service-chargeable Debits)
As your business grows, Security National Bank of South Dakota will monitor your activity level and will work with you to determine the most appropriate checking account to meet your business' changing needs.
For business customers who have multiple accounts or have a high volume of check writing, Security offers other commercial products.
A checking account at Security National Bank of South Dakota 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.
** Inactivity fee may apply.
***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.
**** Check images returned with statement - $2.00 per month. Listed on Statement as Imaged Checks Returned Fee.
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