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Personal checking account benefits
Benefits

Everything you need—plus a little extra

Your checking account should never hold you back, so we built in features that help you handle your money, your way.

Every 1st Security Bank personal checking account includes:

  • Free debit card
  • Free bill pay
  • Free online statements
  • Free online banking
  • Free mobile banking and mobile deposits
  • Free online check images
  • Free access to money management
  • No foreign transaction fees for international debit card use
  • 37,000 free ATMs in the MoneyPass network
  • Higher interest rates on qualifying CDs

Account Types

1st Platinum Checking

Build wealth and get premium perks

Open an Account

  • It’s for you if:
    You want to earn interest on checking and enjoy special discounts on services you already use
  • Earns Interest?
    Yes; see rates
  • Includes 1st Rewards?
    Yes
    • Minimum to open:
      $100
    • Monthly maintenance service charge:
      $0 if requirements are met. Otherwise, $15.
    • $0 maintenance service charge requirements:
      Maintain a minimum daily balance of $2,500 and receive a direct deposit per statement cycle.

    1st Gold Checking

    Essential checking with big rewards

    Open an Account

    • It’s for you if:
      You like low-maintenance checking that saves you money through practical rewards
    • Earns Interest?
      No
    • Includes 1st Rewards?
      Yes
      • Minimum to open:
        $100
      • Monthly maintenance service charge:
        $0 if requirements are met. Otherwise, $7.
      • $0 maintenance service charge requirements:
        Maintain a minimum daily balance of $500 or per statement cycle, receive a direct deposit or swipe your debit card at least 10 times. Free online statements or $2 monthly charge for paper statements.

      1st Classic Checking

      Free and easy for customers 62+

      Open an Account

      • It’s for you if:
        You prefer a safe, convenient way to manage your money without extra perks or fees
      • Earns Interest?
        No
      • Includes 1st Rewards?
        No
        • Minimum to open:
          $100
        • Monthly maintenance service charge:
          $0
        • $0 maintenance service charge requirements:

          None

        Not sure which account to open? Visit your local branch and we can help you choose the best option.

        1st Rewards App Screenshot
        1ST REWARDS, POWERED BY BAZING

        Save more with members-only discounts and perks

        Enjoy the peace of mind that comes with spending less on useful services. Your 1st Gold Checking or 1st Platinum Checking account gets you access to exclusive deals.

        • Roadside assistance
        • Health savings card
        • Cell phone protection1,2
        • Billshark bill negotiation services3
        • Identity theft aid1,2
        • $10,000 travel accidental death coverage2
        • Discounts from local businesses through BaZing Savings4

        Explore 1st Rewards

        1 Subject to the terms and conditions detailed in the Guide to Benefits. 2 Insurance products are: not a deposit, not FDIC-insured, not insured by any federal government agency, not guaranteed by the bank. 3 Billshark requires additional activation. 4 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. 

        Get started in minutes

        1) Share a few details

        Fill out new account paperwork securely online or at your nearest branch.

        2) Fund your account

        Transfer funds into your new 1st Security Bank account. Minimums may apply.

        3) Enjoy better banking

        Start reaching your financial goals with convenient money management tools and rewards.