Online Checking Account Options
No matter what your financial goals are, having a checking account is a necessary part of conducting personal business. Security National Bank provides free online checking account options with a variety of balance and reward incentives.
Which checking account style is a good fit for you? Compare accounts and then open your checking account online.
Free Checking
Are you looking for a simple, convenient online checking account? Free checking may be right for you.
A free checking account at Security National Bank is a safe, convenient way to manage your money online. A minimum opening deposit of $50 is required.
- No minimum balance
- No per check charges
- No monthly service charge
- Unlimited check writing
- Free Online Banking and Bill Pay
- Check safekeeping standard
- VISA Debit or ATM Card available with this account
- ATM privileges available with this checking account
- Convenient monthly combined statement
For information on account fees, see the current
Truth In Savings Disclosure for Fees, Services and Information or call us at
(712) 277-6500.
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 online banking services to help your money do more. Now you can do that with added protection, using our Value Checking account.
- No minimum balance requirement
- 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 Online Banking and Bill Pay
- eStatement standard
- $4.95 monthly maintenance fee
Additional Value Checking 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 (712) 277-6500.
To see details about IDProtect® Identity Protection Service and Cellular Phone Protection, click here for 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 Account
At Security National Bank, we know how to reward our customers.
How about an online checking account 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 Account 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 Checking Account Benefits:
- No monthly fee VISA Debit Card ($8.00 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 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 (712) 277-6500. For more information on this account type, in particular, read our Preferred Rewards Checking Accounts fee & information brochure (PDF).
Apply Now
Generations Gold Checking Account
If you like money saving discounts for travel, entertainment, groceries, and much more, this is the account for you!
Features of the Generation Gold Checking Account include:
- No minimum balance
- 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 Online 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 on Gengold.com.
For information on account fees, see the currentTruth In Savings Disclosure for Fees, Services and Information or call us at (712) 277-6500.
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 ($8.00 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 Online Banking and Bill Pay
- Interest compounded daily
- Overdrafts are not permitted on account type
You can learn much more about Health Savings Accounts at irs.gov. To open an HSA at Security National Bank, call (712) 277-6500 or set up an appointment with one of our Personal Bankers.
Debit Cards
Security National Bank has upgraded our VISA Debit Cards to chip technology, providing additional protection from fraud. To apply for your Security National Bank VISA Debit Card or ATM Card, stop by any Security National Bank location or call (712) 277-6500 or toll free at (800) 475-4762.
ATM Privileges
There is no charge for transactions completed on SNB ATMs. A transaction fee of $1.50, plus tax for each transaction not completed on an SNB Security 24 or Cash Center machine is assessed. This will be listed on your 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. On Money Market Gold Savings Accounts, this fee is waived if you maintain an average daily balance of $15,000 or more. Find any of Security National Bank's convenient ATM locations, or the ATM nearest to you, by using the ATM Locator Tool.
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 (712) 277-6500.
Standard Overdraft Practices
An overdraft occurs when you do not have enough money in your deposit account to cover a transaction, but we pay it anyway. We use the ledger balance less any
Regulation CC holds to determine whether your account is overdrawn. Debit card transactions may be posted to your account several days after the merchant
receives authorization. This means a transaction authorized against sufficient funds in your account may result in an overdraft when it eventually posts if intervening
transactions have reduced the ledger balance.
We may authorize and pay overdrafts for checks; transactions made using your deposit account number, such as ACH or
in person withdrawals; and recurring transactions using your debit card. We will NOT authorize or pay overdrafts for ATM transactions or everyday debit card (one-time)
transactions unless you opt in.
Overdraft Fees
We may charge you an Overdraft Fee of $32.98 for each overdraft item we pay. We pay overdrafts at our discretion,
which means we do not guarantee that we will always authorize or pay any type of transaction. If we do not authorize a debit card transaction, it will be declined at
the merchant. If we do not pay a transaction, it will be returned unpaid and you may be charged a Return Item Fee of $32.98. We limit the number of
Overdraft and Return Item Fees to 6 per day, regardless of how many items we pay or return on your behalf. In addition, we will not charge an Overdraft Fee if the end
of day ledger balance is overdrawn by $30.00 or less.
Overdraft Protection Plans
We also offer overdraft protection plans, such as a link between a checking and savings account or a line of credit, which
may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.
Payment Processing Order
1. Deposits and Credits
2. SNB card-based transactions
3. Ebank bill payments
4. All other items in a Time/Date/Stamp Order
More Questions?
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