Important Account Information for Our Customers
Personal Free Checking Account
Limitations: You must deposit $100.00 to open this account.
Account Fees: The following fee applies to this account: Paper Statement Fee is $2.95 each statement cycle - Fee is waived once the account is signed up to receive electronic statement through online banking. If account is switched back to paper after it was set to be received electronically, the fee will be charged..
Bonuses - You will receive $2.50 for each unused pad of check blanks from the account you are closing at another financial institution and $10.00 for each debit card, maximum of $15.00. This offer is only valid for new customers opening their first checking account with Security First Bank. Offer not valid if any of the account owners have a valid checking account established with Security First Bank.
Personal Gold Checking Account
Balance Information - We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Limitations - You must deposit $1000.00 to open this account.
Account Fees - You must maintain a daily balance in your account of $1,000.00 each statement cycle to avoid a minimum balance fee of $3.95. The following fee applies to this account: Paper Statement Fee is $2.95 each statement cycle - Fee is waived once the account is signed up to receive electronic statement through online banking. If account is switched back to paper after it was set to be received electronically, the fee will be charged.
Bonuses - You will receive $2.50 for each unused pad of check blanks from the account you are closing at another financial institution and $10.00 for each debit card, maximum of $15.00. This offer is only valid for new customers opening their first checking account with Security First Bank. Offer not valid if any of the account owners have a valid checking account established with Security First Bank as a bonus.
Farmers First Checking Account
Balance Information - We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Limitations - You must deposit $2,500.00 to open this account.
Account Fees - You must maintain a daily balance in your account of $2,500 each statement cycle to avoid a minimum balance fee of $3.95.
Bonuses - You will receive $2.50 for each unused pad of check blanks from the account you are closing at another financial institution and $10.00 for each debit card, maximum of $15.00. This offer is only valid for new customers opening their first checking account with Security First Bank. Offer not valid if any of the account owners have a valid checking account established with Security First Bank as a bonus .
Other Account Fees
The following fees apply to all of your accounts with us except Certificates of Deposit and Time Deposit Accounts:
| Overdraft Item Fees (per presentment: | $29.95. This charge may be assessed on any withdrawal created by check, in-person withdrawal, or other electronic means, that needs to be returned for insufficient funds. A charge may be assessed each time an item is presented. An item presented multiple times may incur multiple fees. One day maximum charge of $149.75 on consumer accounts. |
| Two Signatures Required: | $29.95 per month for accounts that require two signatures required to be paid. |
| Returned Item Fees: | $29.95 per return. This charge may be assessed on any withdrawal created by check, in-person withdrawal, or other electronic means, that needs to be returned for insufficient funds. A charge may be assessed each time an item is presented. An item presented multiple times may incur multiple fees. One day maximum charge of $149.75 on consumer accounts. |
| Dormant Account Charge: | $2.95 per month. No transactions in a 12 month period and the balance is below $100. |
| Special Statement Handling Fee: | $0.95 per month. |
| Continuous Overdraft Charge: | $29.95 after fifth consecutive business day account is at an overdrawn status. |
| Automatic Transfer Fee: | $0.95 per Automatic Transfer to or from accounts. |
| Account Transcript Statement Fee: | $1.95 |
| Special Statement Handling Fee: | $0.95 |
| Account Research Fee: | $34.95 per hour plus $0.95 per document with a minimum charge of $2.95 |
| Account Balancing Assistance: | $34.95 per hour. |
| Copy of Check: | $1.95 |
| Copy of Statement: | $1.95 |
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| Stop Payment Fee - Check: | $19.95 for each check requested for stop payment. |
| Stop Payment Fee - ACH Item: | $19.95 per ACH item. |
ATM & Debit Cards
- Replace Singe ATM Card & PIN: $9.95
- Replace Dual ATM Cards & PINs: $11.17
- VISA Debit Card Replacement: $12.95 per card
- Debit Card PIN Replacement or Change: $4.95
Wire Transfer
- Wire Transfer (Outgoing): $14.95
- Wire Transfer (Outgoing Foreign): $49.95
- Wire Transfer (Incoming Foreign): $29.95
VISA Travel Money Prepaid Card
- VISA Travel Money Card: $8.95
- VISA Travel Money Card Reload Fee: $2.00
- VISA Travel Money Card Minimum & Maximum Load Values: $100.00 Minimum & $5,000.00 Maximum
- VISA Travel Money Card Additional Fee Information: Additional Fee Information is available upon request or with documentation provided upon purchase.
VISA Gift Card
- VISA Gift Card: $2.95
- VISA Gift Card Minimum & Maximum Load Values: $10.00 Minimum & $750.00 Maximum
- VISA Travel Money Card Additional Fee Information: Additional Fee Information is available upon request or with documentation provided upon purchase.
Safe Deposit Boxes
- Past Due Safe Deposit Box Rent: $9.95 per month
- Safe Deposit Box Lock Re-Key (Due to Lost Key): $69.95
- Safe Deposit Box Drill Out: $124.95
- Safe Deposit Box Rental: Varies By Size
Other Charges
- Check Printing: Fee depends on style, options & quantity of check ordered
- Money Order: $0.95
- Collection items (domestic): $25.00
- Collection items (foreign): Variable
- Garnishment/Levies: $25.00 to be paid by creditor or depositor
- ID Theft & Restoration Fee: $2.95 per month billed on the 1st of the month through automatic debit from a Checking or Savings account with Security First Bank of ND. Coverage for Identity Theft for the household that resides at the address we have registered.
- Single Bureau Credit Monitoring Fee: $4.95 per month billed on the 1st of the month from automatic payment from a Checking or Savings account with Security First Bank of ND. Provides monitoring of a person's credit that is reported to Experian. This also includes the ID Theft & Restoration product that covers Identity Theft for household at the registered address. Enroll a second person in your household for a total cost of $8.95/month.
- Triple Bureau Credit Monitoring Fee: $8.95 per month billed on the 1st of the month from automatic payment from a Checking or Savings account with Security First Bank of ND. Provides monitoring of a person's credit that is reported to Experian. This also includes the ID Theft & Restoration product that covers Identity Theft for household at the registered address. Enroll a second person in your household for a total cost of $14.95/month.
- Coin Special Order Fee: $19.95
- ATM Clearing Regulatory Review Fee: $9.95 per month
- ATM Fill Fee: $1.00 per $1000.00 ordered.
- Early Account Termination Fee: $19.95 assessed to accounts opened less than six months.
- Dormant Account Fee: $2.95 per month (no transactions in a 12 month period and the balance is below $100.00).