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1st Hero Checking
We're proud to honor our heroes with the new 1st Hero Checking account, available for all veterans and active or retired military, doctors, nurses, teachers, and first responders. This account offers peace of mind for our heroes who have more important things to worry about with:
- No minimum balance requirements
- No monthly maintenance service charge fees
- Annual HSA/IRA fee waived ($15)
- $35 annual fee credit towards the cost of a safe deposit box
- Complimentary annual financial reviews
- CardValet® app to manage your debit card on the go
- Free debit card personalization with 1st Debit Design, or choose from a selection of 1st Hero debit card designs
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
- 38,000+ free ATMs in the MoneyPass network
- Higher interest rates on qualifying CDs
Account Types
1st Platinum Checking
Build wealth and get premium perks
- 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; learn more - 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. - Additional benefits and features:
No annual fee on Individual Retirement Accounts (IRAs) and Health Savings Accounts (HSAs)
and
One free small safe deposit box (or it's cost as a discount against the cost of a larger box) - subject to availability.
1st Gold Checking
Essential checking with big rewards
- It’s for you if:
You like low-maintenance checking that saves you money through practical rewards - Earns Interest?
No - Includes 1st Rewards?
Yes; learn more - 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
- 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 - Additional benefits and features:
One free order of single, standard checks per year.
New Checking Accounts!
1st Hero Checking
Honoring your service, empowering your future
- It’s for you if:
You want a personalized, hassle-free account with no fees and extra perks. - Earns Interest?
No - Minimum to open:
$100 - Monthly maintenance service charge:
$0 - Monthly paper statement fee:
Free online statements or $2 monthly charge for paper statements. - Additional benefits and features:
Annual HSA/IRA fee waived ($15) and $35 annual fee credit towards any size safe deposit box.
1st Gold Student Checking
Golden opportunities start here
- It’s for you if:
You are a youth or student aged 13-18 looking for great features in your first checking account. - Earns Interest?
No - Minimum to open:
$25 - Monthly maintenance service charge:
$0 - Monthly paper statement fee:
Free online statements or $2 monthly charge for paper statements. - Additional benefits and features:
Customize your debit card for free with 1st Debit Design.
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1st Gold Student Checking
We all start somewhere. Why not start with a bank account that gives you time to learn? For youth and students aged 13-18.
Account benefits include:
- Full online banking capabilities
- Personalized ATM-debit card
- Pair with our blended Optimum Student Savings Account and earn 5% Annual Percentage Yield (APY) for the first $5,000 and 0.25% APY on funds greater than $5,000
Visit your local branch to open your 1st Gold Student Checking account today.
Account Requirements: Minimum to open each account is $25. Account must be opened with a parent or guardian as secondary co-holder. Account is open to youth ages 13 through 18.
Optimum Savings: 1APY (Annual Percentage Yield) is current as of 11/18/24. Rates are subject to change daily. Fees may reduce earnings on the account. To avoid the monthly service charge, the customer must have a related 1st Gold Student Checking Account and a one-time monthly, pre-authorized, transfer of $25 from the related checking. Limit one Optimum Savings account per primary owner of each 1st Gold Student checking account. There is a $2 paper statement fee.
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
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.