Checking

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.

Which account style is a good fit for you?

 

  Free Checking Checking with Interest Performance Plus
 
Minimum Opening Balance $50 $50 $50
Daily Balance Requirements $0 $500 or average daily balance of $2,500 $0
Interest Bearing checkmark icon checkmark icon
No Monthly Fee ATM/Debit Card checkmark icon checkmark icon checkmark icon
Direct Deposit Available Available Available
Unlimited Check Writing checkmark icon No fee for first 25 checks or debits and $0.25 fee for each check/debit over 25 during statement cycle (excludes VISA debit transactions) checkmark icon
Free eBank & Bill Pay

checkmark icon
Free eStatements checkmark icon
(Required)
Additional Benefits  

 

ATM Refunds up to $15
Monthly Service Charges None *Fee of $8.79 per month if daily balance requirements are not met. None
  Full Summary Full Summary Full Summary

 

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.

 

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
  • 12 VISA debit card transactions per month
  • Receive eStatements
  • Sign on to ebank at least once per month
  • Maintain a valid email address with the bank

If the above requirements are met, you receive the following checking account benefits:

  • 1.06% APY for balances up to $25,000
  • Range of .29%-1.06% 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 $15.00 per statement cycle for ATM surcharge and foreign fees (up to $8 in foreign fees and $7 in surcharge fees). Fees will be credited to the account by the end of each statement cycle.

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 1.05% 1.06%
Over $25,000 0.20% Range from 0.29 to 1.06%
Non-Qualifying Accounts 0.05%

0.05%

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.
See full disclosure information pertaining to Performance Plus Checking Accounts here.

 

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 bering 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
  • Free Internet Banking and Bill Pay
  • 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.

 

Complete Your Deposit Application

Click the button below in order to complete the final steps of your online account creation. You will be asked for the primary account owner's email address, your verification code, and for the deposits from the account activity.

 

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 $2.00 for each transaction not completed on an SNB Security 24 ATM. This will be listed on your statement as Transaction Fee, Non-SNB ATM.

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 Value Checking Preferred Rewards Generations Gold
 
Minimum Opening Balance $50 $50 $50 $50
Daily Balance Requirements $0 $0 $2,500 $0
Interest Bearing checkmark icon
ATM/Debit Card Available checkmark icon checkmark icon checkmark icon checkmark icon
Free Debit Card Replacement Service
checkmark icon
Free Standard Style Checks
First Order Free checkmark icon
Club & Merchant Discounts checkmark icon
Unlimited Check Writing checkmark icon checkmark icon checkmark icon checkmark icon
Free eBank & Bill Pay checkmark icon checkmark icon checkmark icon checkmark icon
Free eStatements checkmark icon checkmark icon checkmark icon checkmark icon
Additional Benefits  

IDProtect® - Identity Monitoring and Resolution Service
Cellular Telephone Protection
(Click here for more details.)

ATM Refunds up to $12 Many additional perks!
Service Charges VISA debit/ATM card
available with this
account for $1.50/mo.
Initial card fee $6.79
$4.95 monthly Initial card fee $6.79 $6.95 monthly
($3.95 ages 60+)
  Full Summary Full Summary Full Summary Full Summary

 

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 for $1.50 per month (Listed on statement as EFT S/C)
For information on account fees, see the current Truth In Savings Disclosure for Fees, Services and Information or call us at (605) 232-6060.

 

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

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.
 *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.

 

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
  • 12 VISA debit card transactions per month
  • Receive eStatements
  • Sign on to ebank at least once per month
  • Maintain a valid email address with the bank
  • Maintain a minimum daily balance of $2,500

If the above requirements are met, you receive the following checking account benefits:

  • 0.65% APY for balances up to $25,000
  • Range of .16%-.65% 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 0.65% 0.65%
Over $25,000 0.11% Range from 0.16-0.65%
Non-Qualifying Accounts 0.05%

0.05%

For more information on account fees, see the current Truth In Savings Disclosure for Preferred Rewards Checking or call us at (605) 232-6060.

 

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.

 

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.

 

Complete Your Deposit Application

Click the button below in order to complete the final steps of your online account creation. You will be asked for the primary account owner's email address, your verification code, and for the deposits from the account activity.

 

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 $2.00 for each transaction not completed on an SNB Security 24 ATM. This will be listed on your statement as Transaction Fee, Non-SNB ATM.

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.