No matter what your financial goals are, having a checking account is a necessary part of conducting personal business. Security National Bank provides checking account options with a variety of balance and reward incentives.
Free Checking
Are you looking for a simple, convenient checking account? Free checking may be right for you.
A checking account at Security National Bank is a safe, convenient way to manage your money. A minimum opening deposit of $50 is required. All of your bank deposits are insured up to $250,000 by the FDIC.
- No minimum balance
- No monthly service charge
- Unlimited check writing
- Free Internet Banking and Bill Pay
- ATM or VISA debit card available with this account
- ATM privileges available with this account
For information on account fees, see the current
Truth in Savings Disclosure for Fees, Services and Information or call us at
(605) 977-9000.
Apply Now
Checking with Interest
If you think a checking account should work a little harder for you, then our Checking With Interest accounts were designed for you.
At Security National Bank our primary goals are to keep your funds secure, help you grow your finances, and to provide the most valuable services possible to help your money do more. We are always looking to provide products and services specifically designed for your needs. All of your bank deposits are insured up to $250,000 by the FDIC.
- $50.00 minimum opening deposit required
- No maintenance fee and activity fee with a minimum daily 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 $8.79 will be charged.
- Receive up to 25 checks or debits at no charge, $0.25 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 statements as Total Fees For Service-Chargeable Debits.)
- ATM or VISA debit card available with this account
- Free Internet Banking and Bill Pay
*The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
For more information on account fees, see the current Truth in Savings Disclosure for Fees, Services and Information, or call us at (605) 977-9000.
Performance Plus Checking
At Security National Bank, we know how to reward our customers.
How about an account that pays you a high interest rate and gives you an attractive list of free services? A minimum opening deposit of $50 is required. All of your bank deposits are insured up to $250,000 by the FDIC. To qualify for the Performance Plus Checking interest rate you are required to:
- Have a monthly direct deposit of at least $100
- 10 VISA debit card transactions per month
- Receive eStatements
- Maintain a valid email address with the bank
If the above requirements are met, you receive the following checking account benefits:
- Unlimited ATM Refunds (fees will credited to the account by the end of each statement cycle)
- 4.00% APY for balances up to $25,000
- Range of 0.63%-4.00% APY for balances over $25,000 (no cap)
- 0.05% APY if all of the qualification requirements listed above are not met
Additional Account Benefits:
- Free ATM/VISA Debit Card
- Free Online Banking with Bill Pay
- No per check charge and unlimited check writing
| tiers |
INTEREST RATE |
Annual percentage yield (APY) |
| 0-$25,000 |
3.92% |
4.00% |
| Over $25,000 |
0.25% |
Range from 0.63% to 4.00% |
| Non-Qualifying Accounts |
0.05% |
0.05%
|
Monthly Statement Calendar
Click here to view the Monthly Statement Cycle Calendar for Performance Plus checking.
More Information
For more information on account fees, see the current Truth in Savings Disclosure for Fees, Services and Information, or call us at (605) 977-9000. Or, see our full disclosure information pertaining to Performance Plus Checking Accounts.
Apply Now
Health Savings Accounts
What do you need to know about Health Savings Accounts?
A Health Savings Account (HSA) is a tax-exempt account established solely for the purpose of paying out-of-pocket qualified medical expenses for you and your family when covered under a high-deductible health plan (HDHP). The funds are managed and controlled by you without restrictions of healthcare professionals or facilities. These funds can be rolled over year after year allowing you flexibility to manage routine as well as unexpected healthcare expenses. Your HSA follows you even if you change employment.
By working with Security National Bank, you can set up an HSA in much the same way as you would an IRA. Features of an HSA with Security National Bank include:
- Interest bearing account
- No minimum balance
- No per check charges. First box of 50 checks free.
- No opening deposit required
- VISA debit card available with no monthly fee
- Free Internet Banking and Bill Pay
- $1.50 monthly maintenance fee
- $25 service fee at account opening
- Any checks or withdrawals from the account will be considered distributions and will be reported as being qualified medical expenses, unless you notify us otherwise within 15 days of the distribution
- Overdrafts are not permitted on account type
You can learn much more about
Health Savings Accounts here. To open an HSA at Security National Bank, call
(605) 977-9000 or
set up an appointment with one of our Personal Bankers.
Debit Cards
To apply for your Security National Bank VISA Debit Card or ATM Card, stop by any Security National Bank location or call
(605) 977-9000.
ATM Privileges
There is no charge for transactions completed on SNB ATMs. There is a transaction fee of $1.50 for each transaction not completed on an SNB Security 24 ATM. This will be listed on your statement as Transaction Fee, Non-SNB ATM.
Chip Debit Cards
Security National Bank of South Dakota has upgraded its VISA Debit Cards to chip technology. Learn more about the new SNBSD Chip Debit Card
Reporting Lost or Stolen Cards
To report a lost or stolen card, immediately call
1-800-236-2442 (available 24 hours a day).
Then notify Security National Bank of South Dakota during business hours at
(605) 977-9000.
Overdraft Protection Services
Overdraft Protection Service (OPS) provides overdraft protection to customers that maintain both a checking and savings account. In the event your checking account becomes overdrawn, the exact dollar amount is automatically transferred from your savings account to your checking account. If sufficient funds are not available in your savings account, normal overdraft fees will apply to your checking account.
- Overdraft Protection Fee $1.49 per month assessed to your checking account
- $5.00 fee per transfer will be assessed to your savings account. The transfer will appear on your statement as OD Transfer Fee.
- Savings account transfer limitations and normal excessive withdrawal fees apply to all savings accounts.
Free Checking
Are you looking for a simple, convenient checking account? Free checking may be right for you.
A checking account at Security National Bank is a safe, convenient way to manage your money. A minimum opening deposit of $50 is required. All of your bank deposits are insured up to $250,000 by the FDIC.
- No minimum balance
- No per check charges
- No monthly service charge
- Unlimited check writing
- Free Internet Banking and Bill Pay
- Check safekeeping standard
- Convenient monthly combined statement
- VISA Debit or ATM Card available with this account with no monthly fee
For information on account fees, see the current
Truth In Savings Disclosure for Fees, Services and Information or call us at
(605) 232-6060.
Apply Now
Value Checking
If you think a checking account should work a little harder for you, then Value Checking was designed for you.
At Security National Bank our primary goals are to keep your funds secure, help you grow your finances, and to provide the most valuable services possible to help your money do more. We are always looking at providing products and services specifically designed for your needs. Now we are able to do that with added protection.
- No minimum balance requirement
- A minimum opening deposit of $50 is required
- VISA debit or ATM card available with no monthly fee
- Free debit card replacement service (Limit 5 per year)
- Six free non-SNB ATM transactions per statement cycle
- Privileged status ATM transactions available
- Unlimited check writing
- Free first order of standard style wallet checks
- Free Internet Banking and Bill Pay
- eStatement standard
- $4.95 monthly maintenance fee
All of your bank deposits are insured up to $250,000 by the FDIC.
Additional Account Benefits
Identity Theft Protection Service that includes:
- Free Triple Bureau Credit File Monitoring*
- Free 3-in-1 Credit Report*
- Free Credit Score*
Cellular Phone Protection
For information on account fees, see the current
Truth In Savings Disclosure for Fees, Services and Information or call us at
(605) 232-6060.
To see details about IDProtect® Identity Protection Service and Cellular Phone Protection, click
here to read the PDF.
*These benefits require member to register and activate, at no additional charge.
Register here.
Insurance products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
Apply Now
Preferred Rewards Checking
At Security National Bank, we know how to reward our customers.
How about an account that pays you a high interest rate and gives you an attractive list of free services? A minimum opening deposit of $50 is required. All of your bank deposits are insured up to $250,000 by the FDIC. To qualify for the Preferred Rewards Checking interest rate you are required to:
- Have a monthly direct deposit of at least $100
- 10 VISA debit card transactions per month
- Receive eStatements
- Maintain a valid email address with the bank
If the above requirements are met, you receive the following checking account benefits:
- 3.25% APY for balances up to $25,000
- Range of 0.55%-3.25% APY for balances over $25,000 (no cap)
- 0.05% APY if all of the qualification requirements listed above are not met
- ATM Usage: SNB will automatically refund your account up to $12.00 per statement cycle for ATM surcharge and foreign fees (up to $6 in surcharge fees and $6 in foreign fees). Fees will be credited to the account by the end of each statement cycle.
Additional Account Benefits:
- No monthly fee VISA Debit Card ($6.79 one-time initial card fee)
- Free Online Banking with Bill Pay
- No per check charge and unlimited check writing
| tiers |
INTEREST RATE |
Annual percentage yield (APY) |
| 0-$25,000 |
3.20% |
3.25% |
| Over $25,000 |
0.25% |
Range from 0.55-3.25% |
| Non-Qualifying Accounts |
0.05% |
0.05%
|
Monthly Statement Calendar
Click here to view the 2023 Monthly Statement Cycle Calendar for Preferred Rewards Checking.
More Information
For more information on account fees, see the current Truth In Savings Disclosure for Fees, Services and Information or call us at (605) 232-6060. See full disclosure information pertaining to Preferred Rewards Checking Accounts here.
Apply Now
Generations Gold Checking
If you like money saving discounts for travel, entertainment, groceries, and much more, this is the account for you!
Features of the Generation Gold Account include:
- No minimum balance
- A minimum opening deposit of $50 is required
- No per check charges
- Free VISA check or ATM card
- No annual fee VISA credit card
- Free basic wallet checks
- Free official checks
- Free notary service
- First year free on a small safe deposit box
- $100 off closing costs for an SNB mortgage loan*
- Generations Gold national discounts
- Free Internet Banking and Bill Pay
- $6.95 monthly maintenance fee or $3.95 for those ages 60 or older
*Available to qualified applicants.
Learn even more about the perks of a
Generations Gold checking account here.
For information on account fees, see the current
Truth In Savings Disclosure for Fees, Services and Information or call us at
(605) 232-6060.
Schedule Appointment
Health Savings Accounts
What do you need to know about Health Savings Accounts?
A Health Savings Account (HSA) is a tax-exempt account established solely for the purpose of paying out-of-pocket qualified medical expenses for you and your family when covered under a high-deductible health plan (HDHP). The funds are managed and controlled by you without restrictions of healthcare professionals or facilities. These funds can be rolled over year after year allowing you flexibility to manage routine as well as unexpected healthcare expenses. Your HSA follows you even if you change employment.
By working with Security National Bank, you can set up an HSA in much the same way as you would an IRA. Features of an HSA with Security National Bank include:
- No minimum balance
- No per check charge
- No opening deposit required
- No monthly fee Visa Debit Card ($6.79 one-time initial card fee)
- $1.50 monthly maintenance fee
- $25 service fee at account opening
- Check safekeeping standard
- Interest bearing account
- Convenient monthly combined statement
- Free Internet Banking and Bill Pay
- Interest compounded daily
- Overdrafts are not permitted on account type
You can learn much more about
Health Savings Accounts here. To open an HSA at Security National Bank, call
(605) 232-6060 or
set up an appointment with one of our Personal Bankers.
Debit Cards
To apply for your Security National Bank VISA Debit Card or ATM Card, stop by any Security National Bank location or call
(605) 232-6060.
ATM Privileges
There is no charge for transactions completed on SNB ATMs. There is a transaction fee of $1.50 for each transaction not completed on an SNB Security 24 ATM. This will be listed on your statement as Transaction Fee, Non-SNB ATM.
Chip Debit Cards
Security National Bank of South Dakota has upgraded its VISA Debit Cards to chip technology. Learn more about our Chip Debit Card »
Reporting Lost or Stolen Cards
To report a lost or stolen card, immediately call
1-800-236-2442 (available 24 hours a day).
Then notify Security National Bank during business hours at
(605) 232-6060.
Overdraft Protection Services
Overdraft Protection Service (OPS) provides overdraft protection to customers that maintain both a checking and savings account. In the event your checking account becomes overdrawn, the exact dollar amount is automatically transferred from your savings account to your checking account. If sufficient funds are not available in your savings account, normal overdraft fees will apply to your checking account.
- Overdraft Protection Fee $1.49 per month assessed to your checking account
- $5.00 fee per transfer will be assessed to your savings account. The transfer will appear on your statement as OD Transfer Fee.
- Savings account transfer limitations and normal excessive withdrawal fees apply to all savings accounts.