Personal Banking

Checking Plans | Savings Plans | Other Services | Important Information

Checking Plans *

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Checking Comparison Chart

Choice Checking
• No minimum balance required
• No monthly maintenance fees
• Unlimited check writing
• Monthly statements
• Check safekeeping

Merit Checking
• Free to account holders 55 and over
• Free to students, churches & org
• Unlimited check writing
• Monthly statements with check images
• No monthly maintenance fee
• Minimum daily balance of $300 required
• $.25 fee per check written if balance requirement not met
• Maintenance fee waiver with balance of $5000 in related savings account or
• Dormant fee of $3.00 per month on balances less than $250 after one year. This fee may be waived if the customer is under the age of 18.

Reward Checking
• Interest paid monthly based on daily balance
• Unlimited check writing
• Monthly statements with check images
• Minimum daily balance of $500 required
• Maintenance fee of $6.00 per month if balance requirement not met
• $.25 per check written if balance requirement not met
• Maintenance fee waiver with daily balance of $5000 in related savings account or CD
• Dormant fee of $3.00 per month on balances less than $250 after one year. This fee may be waived if the customer is under the age of 18.

Prestige Checking

• Interest paid monthly based on daily balance
• Unlimited check writing
• Monthly statements with check images
• Minimum daily balance of $2500 required
• Maintenance fee of $10 per month if balance requirement not met
• $.25 per check written if balance requirement not met
• Larger balances earn higher interest rate
• Maintenance fee waiver with balance of $5000 in related savings account or CD
•Dormant fee of $3.00 per month on balances less than $250 after one year. This fee may be waived if the customer is under the age of 18.


Savings Plans *

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Savings Comparison Chart

Statement Savings
• Interest paid quarterly based on daily balance
• Quarterly statements
• No monthly maintenance fee
• No minimum balance required
• $2.00 fee for each withdrawal over 6 per month
• Shazam Check Card with related checking account
• Dormant fee of $3.00 per month on balances less than $250 after one year. This fee may be waived if the customer is under the age of 18.

Money Market Savings
• Interest paid monthly based on daily balance
• Higher balances earn higher rates
• Monthly statements
• Check safekeeping
• Minimum daily balance of $2500 required to earn interest
• No monthly maintenance fee
• $2.00 fee for each withdrawal over 6 per month
• Shazam Check Card available with related checking account
• Maximum of 6 checks per month

Christmas Club Savings
• Interest paid quarterly based on daily balance
• Quarterly statements
• No monthly maintenance fee
• No minimum balance required
• No withdrawals allowed, a check for the balance and interest will be mailed out each November

Certificates of Deposit
Security Savings Bank offers FDIC insured high yielding certificates with a variety of maturities. If you would like more rate information, please contact a staff member at any branch. There are substantial penalties for early withdrawal. Click Here For Current Rates

Individual Retirement Accounts
Security Savings Bank has a full service Trust department with legal counsel on staff. Please contact the Trust department for additional information

Other Services

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Safe Deposit Boxes

• Protect your documents and valuables
• Variety of sizes to meet your needs
• Yearly fee of $12 - $40 depending on size of box and bank location
• Money Orders and Cashiers Checks

ATM Card
• 24 hour banking convenience
• Withdrawals, Deposits, Transfers, & Balance Inquiries (Some of these services may not be available at all terminals.) 

SHAZAM Check Card
• Pay for purchases without checks
• Also acts as an ATM card
• Accepted everywhere Master Card debit card is accepted
• Money comes directly out of your checking account
• NO CHARGE for withdrawals made at SSB ATM
• Privileged status membership gives you surcharge free access to more than 3000 ATM's nationwide
• Withdrawals, Deposits, Transfers & Balance Inquiries (Some of these services may not be available at all terminals.)

Voice Access
• 24-hour banking convenience. Call toll free 1-800-772-9204 or locally call 477-2651.
• Checking and Savings account information.
• Transfer funds from one account to another.
• CD Information
• Loan and loan payment information.
• your statement history sent to your fax machine.
• Talk to customer service during normal bank hours.
• Available at no charge.

Money Orders and Cashiers Checks
Wire Transfers
Notary Service
ACH Originations
Fax & Photocopies
FDIC Insurance
Bill Pay


*Iowa Sales Tax may be charged on fees assessed on checking and savings accounts. (back to top)

Important Information

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About Account Opening Procedures
To help the government fight the funding of terrorism and money laundering activities, The USA Patriot Act was signed into law in 2001 and requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.