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Checking Accounts

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It’s your money, we help you make the most of it!

Having options is great. It’s why local restaurants have more than two items on their menus, and why you have more than one place to get your clothing in Storm Lake. You want to have things your way.

For that same reason, we offer multiple checking accounts. We believe you shouldn't be forced into an account that fits everyone. Instead, we’ll help you find the account that helps you maximize every hard-earned dollar.


Do you own a business or oversee the finances for a business?

We offer a business checking account designed for certain businesses. Here’s what you need to know about it:

  • It has a $4 monthly maintenance fee
  • You pay $0.10 per debit item
  • You pay $0.06 per out of town check deposited to your account
  • Fees can be offset with a credit back to you based on your average account balance.

One of our staff members can help you determine if this is the right fit for your business.

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Let’s compare our checking accounts

Here’s a quick look at the accounts we offer to help you decide which is best for you. You can get the full details on all of our accounts by giving us a call or stopping by our office.

Once you’ve chosen the account that looks best for you, visit our office in Storm Lake to open your account.

 Security First CheckingSecurity Premium CheckingSecurity Prime CheckingSecurity Plus CheckingSecurity Student Checking
A good fit for you if……You can keep $100 in your account and don’t write a lot of checks.…You want a basic account with access to online banking.…You can maintain a higher account balance and want to earn interest on it.…You’re age 55 or older and want access to great banking services.…You or your child are age 16-22 and want to make the most of your money.
Benefits & features

No fees if your balance stays over $100 during statement cycle.

Free access to online banking.

Unlimited ATM/debit card usage.

First order of checks is free.

Free automated transfer from your savings account.

Free access to online banking.

Free access to Bill Payer for 6 months.

Unlimited check writing.

Free direct deposit.

Free automated transfers from your savings account.

Interest-bearing account.

Free access to Online Banking.

Free access to Bill Payer for 6 months.

One year free rent on a small safe deposit box for new customers.

Free direct deposit.

No service charges.

Free personalized basic design checks.

Free access to Online Banking.

Earn interest when your balance is over $500.

No ATM transaction fees.*

Free direct deposit.

Free access to Bill Payer for 6 months.

No monthly maintenance fee.

No minimum balance requirements.

No ATM transaction fees.

Free direct deposit.

Free access to Online Banking.

Free automatic transfer from savings.

Free access to Bill Payer for 6 months.
Fees & restrictions

$3 monthly fee if balance falls below $100 during statement cycle

20 checks written per month restriction

$0.10 fee for each check written over limit of 20 per statement cycle

$5 monthly maintenance fee

After 6 months of free Bill Payer, cost is $4.95 per month for the first 10 transactions, plus $.40 per transaction in excess of 10.

$5 plus $0.25 per debit item per month maintenance fee if balance falls below $500 during the statement cycle.

After 6 months of free Bill Payer, cost is $4.95 per month for the first 10 transactions, plus $.40 per transaction in excess of 10.
After 6 months of free Bill Payer, cost is $4.95 per month for the first 10 transactions, plus $.40 per transaction in excess of 10.

This account will be switched to a Security Premium Checking Account at age 23.

20 checks per month limit.

There is a $0.10 per check charge for each check written over 20.

After 6 months of free Bill Payer, cost is $4.95 per month for the first 10 transactions, plus $.40 per transaction in excess of 10.
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