Deposit Products

Checking Options

Security Free Checking

• No minimum monthly balance required
• No monthly service charge
• No limit on the number of checks you can write
• No charge for receiving an Instant Cash Card
• Monthly Statements

Security Club Checking

• No minimum monthly balance required
• No limit on number of checks you can write
• Monthly service charge of $5.00, or $7.00 depending upon AD&D insurance choice*
• Monthly statements

* Insurance is:

1. Not a Deposit
2. Not FDIC Insured
3. Not Insured by any Federal Government Agency
4. Not guaranteed by the bank

Security Checking

• $3 monthly service charge if average daily balance falls below $300.00
• Monthly statements
• Service Charge waived for customers age 55 and older

Security Business Checking

• $5.00 monthly service charge
  • Plus 10 cents per debit item and 5 cents per transit
  • Credit allowance of 23 cents per $100 of average collected balance maintained
• Monthly statement

Security Interest Checking

• Interest is earned on a tiered basis. The greater the account balances the higher the interest rate and corresponding annual percentage yield. Rates will be disclosed at account opening and may change at any time.
• Interest is calculated by the daily balance method.
• If your balance falls below $500.00 on any day in the month, your account will be subject to a $10.00 service charge for that month.

Savings Options

Security Savings 

• Interest is earned on a tiered basis. The greater the account balances the higher the interest rate and corresponding annual percentage yield. Rates will be disclosed at account opening and may change at any time.
• Interest is calculated by the daily balance method
• Interest compounded daily and credited quarterly
• If your balance falls below $50.00 on any day in the month, your account will be subject to a $3.00 service charge for that month.
• Quarterly statement unless there are electronic fund transfers, in which case a statement will be provided monthly
• Limitation on frequency of transfers of six per calendar month or statement cycle. 

Security Money Market

• Interest is earned on a tiered basis. The greater the account balances the higher the interest rate and corresponding annual percentage yield. Rates will be disclosed at account opening and may change daily.
• Interest calculated by the daily balance method
• If your balance falls below $2,500.00 on any day in the month, your account will be subject to a $10.00 service charge for that month.
• Limitation on frequency of transfers of six per calendar month or statement cycle.

Other Deposit Products Options

Certificates of Deposit

• Looking for Safety, Security, and Liquidity? Certificates of Deposit at First Security Bank are your answer. We offer a wide variety of Certificates with varying interest rates and maturities. Three or six month interest penalty for early withdrawal. No withdrawals of principal from certificates are allowed until the maturity without penalty.

IRA Savings Account

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Loan Products

Installment and Consumer Loans

• Qualified applicants can receive professional assistance with financing of cars, vacations, recreational equipment, remodeling projects, and other requests.

Ready Reserve 
Ready Reserve is a loan attached to your checking account that prevents overdrafts. Credit is extended to qualified applicants.

Business/Commercial Loans

Our bank's lending officers are ready to assist you in a variety of ways.  Get sound advice regarding available borrowing options if you are considering starting a business, expanding an existing one or considering any other financial need that confronts today's business person.

Real Estate Loans
Our bank offers the following types of Real Estate loans:

• Fixed rate mortgages - very competitive rates!
• In house mortgages
• Home Equity Lines of Credit
• Home Improvement Loans
• Second Mortgages

Agricultural Loans

Our experienced agricultural loan officers can help you with all the financial needs that arise in today's farming operations.  They include operating, machinery, livestock, and improvement loans.

Contact Jan, Brent, or Heidi to assist you with the application and the entire loan process at (320) 843-4411 or stop in to First Security Bank today!

Other Products

Instant Cash Card

You can do your banking 24 hours a day, 7 days a week at our ATM (Automatic Teller Machine). This service is also available coast to coast wherever you see the Instant Cash, CIRRUS or VISA symbol, which means that your First Security Bank ATM card can be used for cash withdrawals at over 10,000 locations worldwide. This feature is ideally suited for business or pleasure travels when it is often very difficult to cash an out of town check

Instant Cash & Check Card

• It's an Instant Cash card that doubles as an "electronic" checkbook. Instant Cash & Check gives you all the convenience of ATM access and all the buying power of a checkbook, in one versatile card. It's the one card you'll want to carry everywhere!
  Available to all qualifying personal checking account holders.
  
• Monthly card fee:
  • Free to senior citizens and students
  • $1.00 per month to all other accounts
  • Transactions Fee: No transaction fee if using First Security Bank terminal.  Use of any other terminal may have a fee.
    
• Here's how it works:
  • Use it as your cash card at Instant Cash, CIRRUS, and VISA ATM's
  • Use it instead of your checkbook to make purchases wherever VISA is accepted worldwide
  • It's cash, not credit! Funds from purchases are drawn from your checking account as if you had written a paper check
  • No more hassles with running out of checks, forgetting your checkbook, or needing multiple forms of identification
  • Each month you get a detailed record of all Instant Cash & Check transactions on your account statement

Automatic Deposits and Withdrawals
You can use the time saving benefit of automatic deposits and withdrawals and, at your request; your loan payments may be automatically made!

24 Hour First Line
First Security Bank is VERY pleased to announce our "24 Hour First Line" telephone banking service, at no cost to our customers.

• Confidential, Easy, Convenient
• Balance Inquiries for Checking, Savings, CD's and Loans 
• Transfers between Checking & Savings Accounts 
• Loan Payments 
  

"24 Hour First Line" allows our customers to conveniently and confidentially access their account
information 24 hours a day, seven days a week (including holidays) at no cost to them from any touch-tone phone.

The "24 Hour First Line" is very easy to use. Our customers can use the information line immediately. There is no need to apply or sign up. You just need to call Toll Free @ 1-866-843-4411. Please have your Account Number ready.

The first time you call, your PIN# will be assigned to you. To safeguard the security of your accounts you will be instructed to select a NEW Four-Digit PIN#. This PIN# is confidential and known only to the customer.

We also offer:

Safe Deposit Boxes
Night Depository
Notary Service
Wire Transfers
Travelers Cheques
Bank Money Orders
Series EE Bonds + Series I Bonds
MasterCard & Visa Cash Advances
Account Reconciling

Maintenance of Accurate Information

• Keeping your account information accurate and up to date is very important. If you ever find that your account is incomplete, inaccurate or not current, please call or write us at the address listed below.

First Security Bank - Benson

We will correct any erroneous information in a timely manner.

Hours:

Lobby
9:00 AM - 3:00 PM   Monday, Tuesday, Wednesday, Friday
9:00 AM - 5:00 PM   Thursday

Drive-Up Hours
7:30 AM - 5:30 PM   Monday, Tuesday, Wednesday
7:30 AM - 6:00 PM   Thursday and Friday
8:30 AM - 12:00 PM   Saturday

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Benson Public Schools
City of Benson
Benson Golf Club
Swift County Monitor