Personal

Checking and Savings Accounts: There's an account to fit your financial needs 

Security First Bank believes that personal checking or savings accounts are just that-personal. That's why we've developed checking and savings accounts that fit each customer's unique financial needs.

No matter which account you choose, Security First provides you with free access to a fraud specialist at Identity Theft 911, the nation's leader in identity management and fraud education.

Your personal Security First banker can help you choose the accounts that meet your financial needs and goals.

Checking Accounts

First Plus Checking

  • Interest-bearing
  • $1500 minimum balance
  • $9 maintenance fee*
  • Imaged monthly statement
  • Unlimited free ATM use**

First Checking

  • $500 minimum balance
  • $8 maintenance fee*
  • Unlimited check writing
  • Unlimited free ATM use**
  • Imaged monthly statement

First Free Checking

  • No minimum balance requirement
  • No monthly service charge
  • Unlimited free ATM use**
  • Unlimited check writing
  • Truncated monthly statement (No check images; statements list check numbers, amounts and date cashed)

Security Silver Checking

  • Must be 60 years of age or older
  • No minimum balance requirement
  • No monthly service charge
  • Unlimited free ATM use**
  • Unlimited check writing
  • Imaged monthly statement

Security Gold Checking

  • Must be 50 years of age or older or have an active membership in Security Gold Club
  • $1500 minimum balance required
  • $5 maintenance fee***
  • Imaged monthly statement
  • Interest-bearing account
  • Discount on specialty checks or free standard checks
  • Unlimited free ATM use**
  • Free safe deposit box for one year (where available)
  • No fees on Cashier's Checks and Money Orders

Money Market Account

  • $2500 minimum balance
  • $8 maintenance fee****
  • $5 activity fee for each debit transaction over six per month
  • Transaction limitations- Transfers from the Money Market Account to another account or to third parties by pre-authorized, automatic or telephone transfer, are limited to six per month, with no more than three by check, draft, debit card, or similar order to third parties.
  • Interest-bearing account
  • Unlimited free ATM use**
  • Imaged monthly statement

E-First Account (Electronic Transfer Account)

  • For people receiving electronic deposit of Federal benefits, direct deposit salary or retirement payments
  • Must be individually owned account (Account may not be owned by a treasury, corporation, organization or other entity)
  • No minimum balance requirement
  • No ACH debits are allowed
  • No check writing privileges
  • NSF-overdraft fee is $10 per item but not to exceed $10 for each 24-hour settlement period
  • Unlimited free ATM use**
  • Truncated monthly statement
  • Other special rules regarding amendments and termination apply. Please contact your local customer service representative

Order Your Checks Online

Security First Bank now offers online ordering for checks through Deluxe. You'll find personal checks that match your passion and business checks and forms for your small business. Deluxe offers check printing, check accessories, business cards and stationery, forms, and other products for small businesses. Deluxe checks are the most popular checks in the world. Click here to order:

Savings Accounts

First Priority Savings

  • $100 minimum balance requirement
  • $4 maintenance fee if balance falls below $100.00 during quarterly statement cycle
  • A withdrawal fee of $1 per transaction in excess of six per quarter, excluding paperless items


First Future Savings

  • Must be 18 years of age or younger
  • No maintenance fee

Health Savings Account (HSA)

A Health Savings Account (HSA) is a tax-exempt account established exclusively for the purpose of paying the qualified medical expenses of you and your family.

  • To be eligible, you must have a high-deductible health plan (HDHP), must not be entitled to Medicare benefits and may not be claimed as a dependent on another individual's tax return.
  • You, your employer or your family members may contribute to your HSA.
  • $30 annual service fee
  • Interest is compounded quarterly
  • Click here for more information.

Individual Retirement Account (IRA)

Long-term savings with tax advantages

Traditional IRA

  • Minimum opening balance is $250
  • $5000 maximum contribution per year, per individual
  • People age 50 and older can contribute another $1000 per year
  • Withdrawals are taxed at your ordinary income tax rate
  • Penalties apply if withdrawals are made prior to age 59½
  • Minimum distributions must begin at age 70½
  • Fixed or variable rates are available
  • Interest is compounded quarterly
  • $25 transfer fee will be charged for each IRA transfer

 Roth IRA

  • Minimum opening balance is $250
  • Maximum contribution is $5000 per person, per year
  • People age 50 and older can contribute another $1000 per year
  • Fixed or variable rates are available
  • Interest is compounded quarterly
  • $25 transfer fee will be charged for each IRA transfer
  • It is possible to convert your existing Traditional IRA to a Roth IRA

* Entire maintenance fee is waived if a $500 minimum balance in First Checking and a $1500 minimum balance in First Plus Checking is maintained on every day of the statement cycle or if a consumer loan relationship of $7,500 or greater exists on the last day of the statement cycle. If your account is subject to a monthly maintenance fee, you may reduce it by changing the type of statement you receive. You will receive a $1 credit per month if you choose truncated (no check images) statements, or you will receive $2 credit per month if you choose to go paperless with an electronic statement. 

** Applies to Security First customers using Security First-owned ATMs. Fees may be charged when using ATMs not owned by Security First.

*** Entire fee is credited if a minimum of $15,000 deposit relationship exists on the last day of the statement cycle. If your account is subject to a maintenance fee, you may reduce it by changing the type of statement you receive. You will receive a $1 credit per month if you choose truncated (no check images) statements, or you will receive $2 credit per month if you choose to go paperless with an electronic statement.

**** If your account is subject to a maintenance fee, you may reduce it by changing the type of statement you receive. You will receive a $1 credit per month if you choose truncated (no check images) statements, or you will receive $2 credit per month if you choose to go paperless with an electronic statement.