Personal Checking

Put your checking account to work for you!

BaZing Checking

  • $100 minimum to open
  • Anywhere banking tools
  • Unlimited access to BaZing savings
  • Images with bank statements
  • Cell phone protection
  • Identity theft protection
  • Roadside assistance
  • Pharmacy, vision, and hearing savings
  • $10,000 Travel Accident Insurance
  • Overdraft Service (see below)

Learn more at

Student Checking

  • $100 minimum to open
  • Must be under 24 years of age
  • If under 18, requires joint ownership with adult
  • Anywhere banking tools
  • Limited access to BaZing savings
  • Overdraft Service
  • Service charge is waived through age 24

WOW Checking

  • $750 minimum to open
  • Earn a premium interest rate on balances up to $25,000** (ask for current rates)
  • Refund ATM Fees up to $20 per statement cycle
  • Anywhere banking tools
  • Limited access to BaZing savings
  • At least one direct deposit or ACH automatic payment per statement cycle
  • Minimum of 10 debit card transactions (excluding ATM’s) posted and cleared per statement cycle
  • Enroll and use Netteller (Internet Banking)
  • Images with bank statements
  • Overdraft Service
  • $7.50 service charge, To avoid this charge maintain minimum daily balance of $750

* The WOW Account is limited to one per household.

** Balances up to $25,000 will earn the current WOW account rate. If the account balance exceeds $25,000 and the WOW requirements are met, the amount over $25,000 will earn the current NOW account rate. If you do not meet the WOW requirements, your account will earn the current NOW account rate. See NOW and WOW account rates.

Basic Checking

  • $100 minimum to open
  • Anywhere banking tools
  • Limited access to BaZing savings
  • Images with bank statements
  • Overdraft Service
  • $5.00 service charge. To avoid this charge, maintain minimum daily balance of $500, or enroll in eStatements.

NOW Checking

  • $1000 minimum to open
  • Pays interest on your checking balance (ask for current rates)
  • Anywhere banking tools
  • Limited access to BaZing savings
  • Images with bank statements
  • Overdraft Service
  • $5.00 service charge. To avoid this charge, maintain minimum daily balance of $500, or enroll in eStatements
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Reorder Checks

Our check service is through Harland Clark. If you are in need of more checks click here. You will need to provide your account number and First Security Bank’s routing number when ordering.

Overdraft Service

Our overdraft service is a discretionary service available to eligible account holders for payment of items presented against insufficient funds (inclusive of fees). We may as a discretionary service, but not as a right or obligation guaranteed to you, pay overdrafts up to a dynamic overdraft limit. Our program assigns overdraft limits on a customized basis. Dynamic overdraft limits will be set based upon each individual account holders specific account activity.

Account holders will be eligible to receive authorization for the following types of transactions to be paid into their overdraft limit:

  • ACH transactions
  • Checks
  • Bill Pay
  • Teller Transactions
  • Every Day Debit Card Purchases (if Reg. E opted in)
  • ATM Withdrawals (if Reg. E opted in)

To verify if your ATM/Debit card is opted-in, you may contact any branch location.

An account must maintain a positive balance at least once every 30 days to receive overdraft assistance.

Details:

  1. The bank's normal insufficient funds (NSF) fee of $35 for each overdraft transaction will be deducted from your overdraft limit.
  2. Overdrafts above the established limit may result in checks being returned to the payee and the normal NSF fee of $35 per check being assessed to your account.
  3. The bank will notify you by mail when an overdraft occurs and the $35 NSF fee has been charged. After the 30 days, you will be charged interest daily on the overdrawn balance at the rate of 2% per annum.
  4. If you are unable to bring your account to a positive balance, you will receive a letter from First Security Bank informing you of the situation and your options. If, after a period of time, your account has not been brought to a positive balance, we will have no option but to close your account and take other steps to recover the funds.