Deposit Products
Checking
With a Security National Bank rewards checking account, you earn rewards that can be spent however you like at uChooseRewards.com. Treat yourself to perks such as travel, gift cards and cash – all while accruing monthly interest. (Note: Only Choice and Premier checking accounts earn interest.)
All SNB Checking Accounts come with the following free benefits:
- uChoose Rewards®
- Online Banking
- Mobile Banking*
- eStatements
- Account Alerts
- Bill Pay
- Popmoney® person-to-person payments service
- SNB ATM Withdrawals
*Message and data rates may apply.
Checking Account Comparison (CLICK TO EXPAND)
We understand that your financial needs are unique to you, which is why we offer three checking account options to meet your needs. Compare options below, and if you still need a little extra help in deciding which account is best for you, we offer a personalized checking account assessment to further assist.
| PRODUCT | Rewards Checking | Choice Rewards Checking | Premier Rewards Checking |
|---|
| Minimum Opening Deposit |
$100 |
$100 |
$100 |
|
Monthly Service Charge1,2
|
$3.95
Fee waived with 10 Visa debit card transactions
or
$500.00 minimum daily balance1
or
$1,500.00 total deposit relationship2 balance |
$12.00
Fee waived with 15 Visa debit card transactions
or
$1,500.00 minimum daily balance1
or
$5,000.00 total deposit relationship2 balance |
$15.00
Fee waived with $20,000.00 total deposit relationship2 |
| interest |
Not Available |
$1,500 Minimum Daily Balance to earn interest |
$1,500 Minimum Daily Balance to earn interest |
| paper checks |
Available at list price |
Available at list price |
Free bank logo checks |
| paper Statements |
$4.95 |
Free |
Free |
| Non-SNB ATM withdrawals |
Usage Fees Apply |
Up to $10.00 reimbursement per statement cycle |
Up to $20.00 reimbursement per statement cycle |
| consumer loan discounts |
0.50% w/ Autopay from SNB account |
0.50% w/ Autopay from SNB account |
0.50% w/ Autopay from SNB account |
| Mortgage closing cost credit3 |
Not available |
Not available |
$250.00 credit on closing costs for refinance or home loan greater than $100,000.00 |
| safe deposit box |
Available at list price |
$30.00 credit first year |
$30.00 credit first year |
1 Minimum Daily Balance is the lowest balance in your account on any day of the statement cycle.
2 The Total Deposit Relationship is the Minimum Daily Balance in your checking account plus the current balance of all other deposit accounts you have with us on the statement cycle date of your checking account.
3 Mortgage closing cost credit applies to primary residence purchase or refinance only. Cannot be combined with any other discounts/promotional offers or exceed fees charged by Security National Bank. Valid for loans closed only within the Security National Bank Mortgage department.
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uChoose Debit Card Rewards
Our uChoose Rewards program provides you with the opportunity to earn points on purchases you make when you use your Security National Bank personal Visa® debit or credit cards. Redeem your points for great rewards at uChooseRewards.com.
Redeem your points for a variety of rewards such as:
- Cash
- Travel – hotels, airfare, cars, cruises, or package
- Event tickets – sports, concerts, theater, top
shows, or other activities
- Gift cards – restaurants, electronics, gas, retail
stores, or travel
- Merchandise – the possibilities are
virtually endless
LEARN MORE ABOUT UCHOOSE REWARDS
Savings & CDs
In order to prosper tomorrow, you have to prepare today. That’s why we offer clients an extensive catalog of competitive savings options like CDs and more.
Savings Account Comparison* (CLICK TO EXPAND)
| Product | Statement Savings | Prestige Money Market Savings | Children's Savings | Health Savings Account |
|---|
| Description |
A basic plan for fast growth and easy access to funds. |
For individuals with
higher deposit balances;
offers higher interest payouts while maintaining the same level of convenience |
Teach your child the value of saving with this account for children 19 or younger when opened with a parent or guardian |
Cover qualified medical expenses for individuals enrolled in a High Deductible Health Plan; consists of non-taxed funds contributed from clients' paychecks |
| Minimum Opening Deposits |
$100 |
$2,500 |
$25 |
$0 |
| INTEREST COMPOUNDING AND CREDITING FREQUENCY |
Quarterly |
Monthly |
Quarterly |
Monthly |
| WITHDRAWAL Fees |
6 free withdrawals allowed per quarter, $1.00 per debit fee for each debit transaction in excess of six (6) per quarter |
6 free withdrawals allowed per month, $5.00 per debit transaction in excess of six (6) per month |
6 free withdrawals allowed per quarter, $1.00 per debit fee for each debit transaction in excess of six (6) per quarter |
No limit |
| SERVICE CHARGE - minimum balance Requirements1 |
You must maintain a minimum daily balance1 of $100 in your account to avoid a $10 quarterly Service Charge |
You must maintain a minimum daily balance1 of $2,500 in your account to avoid a $15 monthly Service Charge |
No Service Charge |
You must maintain a minimum daily balance1 of $3,000 in your account to avoid a $1.75 monthly Service Charge |
| ADDITIONAL FEES |
|
|
|
Initial Account Set-up Fee: $25.00. Distribution of Excess Contribution Fee: $20.00. Closing Fee: $25.00 |
1 Minimum Daily Balance is the lowest balance in your account on any day of the statement cycle.
*SNB also offers Certificates of Deposits (CDs) and Individual Retirement Arrangement (IRA) (also known as Individual Retirement Account) at competitive rates and terms. Contact a Personal Banker today for terms and conditions.
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