Security National Bank has been working with businesses for over 130 years. We are here to make a commitment to you and your business. We pride ourselves in offering a wide variety of products, delivered with personal customer service. As the largest independent financial institution in Northwest Iowa, we're strong and secure, with the resources to help companies who are starting out, expanding or restructuring.

Commercial Checking Accounts

If you want a checking account that is competitively priced and easy to maintain, you will want to consider our Commercial Checking Account. Service charges are based on activity and balances in the account. For those customers with multiple accounts or high volume check writing, statements are available on CD Rom. Visa Debit cards are available with Commercial Checking accounts.

Commercial Lending

We offer a variety of loan plans to meet your specific needs, from short-term seasonal lines to long-term business and commercial real estate loans.

  • Term Loans
  • Letters of Credit
  • Real Estate Loans
  • Construction Loans


Revolving Lines of Credit

This type of loan is designed to provide immediate access to funds for customers with a continuing need for credit. The maximum amount that can be borrowed is determined in advance and is readily available for your use.

Executive Lines

The Executive Line is designed to meet the borrowing needs of today's successful professionals and busy corporate executives. It permits you to borrow money efficiently -- whenever you need it.

As a locally owned bank, all lending decisions are made here by our experienced commercial lenders.

MasterCard/VISA Merchant Credit Card Program

This program provides sales and service to retail merchants, service businesses and professional persons. The service allows you to accept Visa or MasterCard as payment for goods and services.

Business Savings Plans

Our savings accounts are designed for the business that maintains higher balances. The Money Market Investment Account earns higher annual percentage yields, while allowing easy access to your funds. For those businesses that want to enjoy maximum earnings, the Money Market Gold Account pays even greater yields, simply by keeping a higher minimum balance.

Cash Management

Accelerate the availability of business cash, maximize the productive use of cash and minimize the collection time of accounts receivable with Security's Cash Manager Product Series. With Cash Manager Services you can benefit from:

  • Business Express Treasury Terminal -- 
  • Internet access to your account information and online transaction capabilities
  • Zero Balance Accounts
  • Automated Clearing House
  • Controlled Disbursement
  • Lock Box Processing
  • Account Reconciliation
  • Positive Pay Services
  • Automated Cash Management
  • Image Deposit Services

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Business Credit Cards

Enjoy our low annual fee, low interest rate VISA credit card. This card works just like a personal credit card, plus you have the benefit of our local customer service.

Security National's Automated Phone System (SNAP)

Receive account information on pre-authorized accounts 24 hours a day, 7 days a week with SNAP.