Online Checking Account Options

No matter what your financial goals are, having a checking account is a necessary part of conducting personal business. National Security 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. 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 Online 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 checking account
• Convenient monthly combined statement

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 

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.

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.