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PERSONAL > Checking
A checking account at Security National Bank is a safe, convenient way to manage your money. A minimum opening deposit of $50.00 is required. All of your bank deposits are insured up to $100,000 by the FDIC. 
 
Free Checking Account 
If you are a more cost-conscious consumer but you like the convenience of a checking account, Free Checking may be right for you. 
 
  • No minimum balance
  • No per check charges
  • No monthly service charge
  • Unlimited check writing
  • Free Internet banking and Bill Pay
  • Check safekeeping required
  • VISA Debit or ATM Card Fee - $1.50 per month
  • ATM privileges available with this account
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    E-Account/Student Checking  
    If your life is busy and you are looking for convenient and affordable checking, consider the E-Account/Student Checking account. 
     
  • No minimum balance
  • Visa debit or ATM Card
  • Ten free non-SNB ATM transactions per statement cycle; $1.00 per transaction over ten                                            
  • Privileged Status ATM transactions available
  • Free Internet Banking and Bill Pay
  • Four free checks written per statement cycle; $.50 per check over four.
  • eStatement standard
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    Generations Gold Checking Account  
    If you want a checking account that provides you with money saving discounts for travel, entertainment, groceries, and much more, Generations Gold checking may be the account for you! 
  • No minimum balance
  • No per check charges
  • Free VISA check or ATM card**
  • No annual fee VISA credit card (Available to qualified applicants only.)
  • Free standard style wallet checks
  • Free travelers/official checks
  • Free notary service
  • First year free on a small safe deposit box
  • $100 off closing costs for an SNB mortgage loan (Available to qualified applicants only.)                          
  • Generations Gold national discounts
  • Generations Gold travel services and discounts
  • Free Internet Banking and Bill Pay
  • Convenient monthly combined statement
  • $6.95 monthly maintenance fee
  •  
    Generations Gold Plus Checking  
    A financial services program especially for those age 60 or better. Receive all of the benefits of Generations Gold checking at a discounted monthly fee of $3.95.  
     
    Checking with Interest  
    No maintenance fee with a $500 minimum daily balance or an average daily balance* of $2,500. If your balance falls below $500 on any day of the statement cycle and your average daily balance* is less than $2,500, the following fees will apply: 
  • Maintenance fee................ $8.00
  • Receive up to 25 checks or pre-authorized debits at no charge,$.25 fee for each item over 25 during a statement cycle
  • VISA debit or ATM card available with this account**
  • Optional check safekeeping
  • Free Internet Banking and Bill Pay
  •  
    Premier Checking  
    By maintaining combined average daily deposit balances* of $15,000 or more (consumer accounts only), you receive the following checking account benefits: 
     
  • No per check charges
  • Interest bearing account
  • Free VISA debit or ATM card available with no monthly fee
  • Unlimited ATM/VISA check card usage with no transaction fees
  • Free Internet Banking and Bill Pay
  • Free first order of standard style wallet checks
  • Free travelers/official checks
  • Periodic bonus rate offers
  • Optional check safekeeping
  • Convenient monthly combined statement
  • Should your combined daily balance* fall below $15,000 during a statement cycle, a maintenance fee of $15.00 will be charged
  •  
    Small Business Checking Accounts  
    When you're building a business you need quality financial services and advice. Business checking accounts at Security National Bank have been designed with the special needs of small and medium sized businesses in mind. 
     
    Basic Business/Civic Checking 
    Basic Business/Civic Checking is ideal for businesses with limited balances and account activity. This account also offers a convenient way for small clubs and civic groups to maintain an affordable checking account. 
     
  • Opening deposit of $100
  • VISA debit card available with this account**
  • Check safekeeping standard - Check Images returned with statement - $2.00 per month (Listed on statement as Imaged Checks Returned Fee)
  • 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 
    Small Business Checking is designed for those small businesses with moderate checking and deposit needs. It operates like a personal account in your business' name. As your business grows, Security National will monitor your activity level. We will work with you to determine the most appropriate checking account to meet your business' changing needs. 
     
    Opening deposit of $100 
  • No maintenance fee with a 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 **
  • 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.
  • Check safekeeping standard - Check Images returned with statement - $2.00 per month (Listed on statement as Imaged Checks Returned Fee)
  • 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 
    An interest-bearing version of our Small Business Checking account is available for sole proprietors and non-profit groups. 
     
  • Opening deposit of $100.00.
  • No maintenance fee with a minimum balance of $500 or an average daily balance* of $2,500
  • 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 **
  • 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)
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    *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. 
     
    **ATM & Visa Debit Card Usage...$1.00 plus tax, fee for transactions not completed on a Security 24 ATM. (Listed on statement as Transaction Fee, Non-SNB ATM) On Generations Gold and Checking with Interest accounts, this fee is waived on two transactions per statement cycle if you maintain an average daily account balance of at least $2,500 or more. 
     
    ATM & VISA Debit Card.....$5.00 fee to report lost or stolen cards.  
    $5.00 charge for each initial or replacement card  
     
     
     
     
     
     
     
     
    GET TO KNOW US
     
    Jeremy Craighead 
    Retail Banking Officer 
     
    Jeremy manages the Personal Banking Center at the downtown office. Jeremy began his career with SNB in 2001 as a Personal Banker after graduating with a BA from the University of Northern Iowa. In 2007 he was promoted to Retail Banking Officer at the downtown office. Let Jeremy help you with all of your personal financial needs. 
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