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 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 (Required) (Required) 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
  • VISA Debit or ATM Card available with this account for $1.50 per month
  • ATM privileges available with this 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.

 

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
  • 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 (712) 277-6500.
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 (712) 277-6500.

 

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
  • 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 currentTruth In Savings Disclosure for Fees, Services and Information or call us at (712) 277-6500.

 

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 (712) 277-6500 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 (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.

NEW CHIP CARDS

Security National Bank has upgraded our VISA Debit Cards to chip technology, providing additional protection from fraud. Learn more about the new SNB 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 (712) 277-6500.

 

Overdraft Protection Services

Security National Bank is pleased to provide Overdraft Protection Service (OPS) to customers who maintain both a checking account and a 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. Please note, if sufficient funds are not available in your savings account, normal overdraft fees will apply.