First Security Bank

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PERSONAL – Money Saved

Checking Accounts

Are you looking for a checking account that rewards you for the things you already do? The First Security Bank eXtreme Checking Account does just that. If you are eligible, you also will receive up to $25.00 ATM fee refunds per qualification cycle! Eligibility requirements:

To be eligible for the 2.50% Annual Percentage Yield (APY)* on balances less than $15,000.00, and have domestic ATM fees refunded, you must:
- Have twelve (12) Check Card point of sale transactions post and settle to your account per Qualification Cycle (ATM transactions and recurring check card transactions do not count toward the required 12 point of sale transactions.)
- Receive your bank statement electronically
- Set up a direct deposit or an automatic recurring ACH transaction that will post to your account at least once per Qualification Cycle. If you do not receive your bank statement electronically and receive a direct deposit or recurring ACH transaction for 60 days you will be converted to a Security Checking Account.
- $50 minimum to open
When the eXtreme Checking Eligibility Requirements are met (see above), the interest rates on your account and corresponding Annual Percentage Yields (APYs) are described as follows:
An interest rate of 2.47% will be paid only for that portion of your daily balance that is greater than $0.00 and less than $15,000.00. The APY tier will be 2.50%.
An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than or equal to $15,000.00. The APY tier will range from 2.50% to 0.10% depending on the balance in your account.
If you do not meet the Eligibility Requirements for the Qualification Cycle, all balances will earn 0.05% interest rate with an APY of 0.05%.
Additionally, if you have met the Eligibility Requirements for the Qualification Cycle, we will refund domestic ATM fees up to $25 per Qualification Cycle
Additional Disclosures:
This is a variable interest rate account. Interest rates are subject to change.
Rate is effective 06/01/2016. Fees may reduce the earnings on the account. A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.
The Qualification Cycle means a period beginning one day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Note: Recurring check card charges do not count toward the 12 transactions.
No monthly service fee
Free Online Banking, Bill Payment¹, Check Card, and eStatements
FREE 24-Hour OnCall Telephone Banking

SECURITY ADVANTAGE CHECKING

Interest-bearing, unlimited check writing and *One Free box of member checks are just some of the great benefits of First Security Advantage Checking:

Account Features:

$1,000 average daily balance requirement to avoid $10 monthly maintenance fee
Earns interest on balances over $1,000
Tiered interest rate
*One Free box of Checks (per year)
Unlimited Check Writing
FREE Online Banking, Bill Payment¹, Check Card, eStatements, and 24-Hour OnCall Telephone Banking
Minimum Balance to open – $100
Minimum average balance of $1,000 required to avoid a monthly $2 paper statement fee.

1 – Your Online Bill Pay account will be subject to an inactivity fee of $6.95 per Bill Pay Cycle. The inactivity fee will be charged if there is no payment activity in a Bill Pay cycle. A bill pay cycle is a re-occurring monthly period starting from the actual date you activated Online Bill Pay Services. Rates are subject to change. A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.

SECURITY CHECKING

If you are looking for basic checking, with unlimited check writing capabilities, Security Checking account is the answer:

Account Features:

No Monthly Service Fee!
Unlimited Check Writing
FREE Online Banking, Bill Payment¹, Check Card, and Statements
Minimum Balance to open – $50
Minimum average cumulated balance of $1,000 required to avoid a monthly $2 paper statement fee.

1 – Your Online Bill Pay account will be subject to an inactivity fee of $6.95 per Bill Pay Cycle. The inactivity fee will be charged if there is no payment activity in a Bill Pay cycle. A bill pay cycle is a re-occurring monthly period starting from the actual date you activated Online Bill Pay Services. A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.

BaZing ADD ON

Bring BaZing to your checking account and enjoy these great benefits!

For only $4/month, get these benefits* when you add BaZing to your eXtreme, Security, or Security Advantage checking account.

Cell Phone Protection
Identity Theft Aid and Payment Card Protection
Savings on Prescriptions, Vision, and Hearing Aids
$10,000 Travel Accidental Death Insurance**
Roadside Assistance
Local and Online Shopping Discounts
Local & National Dining Savings
Nationwide Travel, Hotel, Recreation & Entertainment Discounts

*Account must be open and active, with a positive balance with First Security Bank to be eligible for benefits. You will need computer access to take advantage of the benefits and savings made available to you via the BaZing website. Limitations apply to the product benefits. Please visit BaZing.com or your nearest First Security Bank for benefit details.

**Insurance products are not FDIC insured, not a deposit, not an obligation of or guaranteed by First Security Bank, its affiliates, or any government agency.

Savings Accounts

FIRST SECURITY SUPER SAVINGS

The First Security Super Savings Account is a great way to watch your savings grow! This account features no minimum balance requirement, a tiered rate of interest and is an easy way to save for vacations, emergencies and special purchases.

No Minimum Balance Required
Six free withdrawals per month ($10 per withdrawal over six)*
Earns interest on all balances with tiered interest rates
Minimum Balance to open – $100

A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable. * You may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer, telephone order or instruction, computer transfer, by check, draft, debit card, or similar to a third party. A $10.00 per item fee will be assessed for withdrawals in excess of six per month.

FIRST SECURITY YOUNG SAVERS

Start saving early and open a First Security Young Savers Account.

Must be 17 or under to qualify
One withdrawal per month ($5 per withdrawal over one)
Watch your money grow with online statements
Minimum to open – $10

A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.

FIRST SECURITY MONEY MARKET

The FDIC-insured First Security Money Market Account rewards account holders with larger returns on larger deposits.

Earns interest on all balances with tiered interest rates
Up to six free pre-authorized or check withdrawals allowed each month ($10 per item over six withdrawals per month)*
Unlimited in-person withdrawals at any First Security Office, subject to the above
Only a low average balance of $1,000 is required to avoid a $10 monthly maintenance fee
Minimum to Open: $1,000

FIRST SECURITY CHRISTMAS SAVINGS

Saving for the Holidays couldn’t be easier than with a Christmas Savings Account from First Security Bank!

Balance disbursed in October via Direct Deposit
$5 minimum balance to open
Make deposits anytime
Partial withdrawals not allowed
$10 fee for closing prior to October

A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.

FIRST SECURITY HEALTH SAVINGS

Help control your own health care expenses with a First Security Bank Health Savings Account (HSA). HSAs allow you to save, on a tax-deferred basis, for health care expenses. To open a HSA account you must have a high deductible health plan.

Interest bearing account
No set-up fee or transaction fees
Free HSA Debit Card
Monthly maintenance fee waived for the first year
If balance falls below $1,500, there is a $1.50 monthly fee, after 12 months.
Minimum Balance to open – $50

A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.

CDs and IRAs

Step Up CD

First Security Bank’s Step Up CD is a great way to step up your returns. Receive 1.55% APY* for a 60-month investment period with a $10,000.00 minimum opening balance. With a higher interest rate than many savings products, the Step Up CD is a sound financial choice and is FDIC insured.

* To be eligible for this certificate of deposit (“CD”) you must have a First Security Bank direct deposit account.
Minimum balance of $10,000.00 required to open this CD.
Interest rates for this 5 year step-up CD increase every 12 months, and interest is directly deposited into your checking account.

*APY = Annual Percentage Yield. Rate is effective 07/01/2016. Fees may reduce the earnings on the account. Rates are subject to change. You will have 10 days from the date of each stepped rate adjustment to close your CD without penalty. With the exception of the 10 days after each stepped rate adjustment, if you withdraw money from your CD before its maturity, early withdrawal penalties will apply.

10-Month, No Penalty CD

Time flies when your money is having fun. Be sure to show your money a good time with First Security Bank’s 10-Month, No Penalty CD.

Annual Percentage Yield is .10%.
Minimum balance of $10,000.00 required to open.
Interest rate will be compounded daily and credited at maturity.
No withdrawals allowed during the first seven days. No partial withdrawals allowed.
CD does not automatically renew at maturity, and no interest will accrue after maturity.

*APY = Annual Percentage Yield. Rate is effective 07/01/2016. Fees may reduce the earnings on the account. Rates are subject to change.

12-23 Month CD

A year will come and go before you know it. Make it a year your money will remember with First Security Bank’s 12-23 Month CD.

Annual Percentage Yield is 0.60%.
Minimum balance of $1,000.00 required to open .
Interest rate will be compounded daily and applies a daily periodic rate to the principal in the account each day.
A penalty will be imposed for withdrawals before maturity in an amount equal to 180 days interest on the amount withdrawn.
CD automatically renews at maturity, and you will have 10 days after maturity date to withdraw funds without a penalty.

*APY = Annual Percentage Yield. Rate is effective 07/01/2016. Fees may reduce the earnings on the account. Rates are subject to change.

CERTIFICATES OF DEPOSIT

Make your assets work harder for you by locking in a competitive rate with a First Security CD. Choose from several different maturities to fit your goals. Our CDs require a low minimum opening deposit , and all accounts are FDIC insured, making them a valuable part of a well-balanced cash management strategy.

*Not applicable with special CD promotions. A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.

INDIVIDUAL RETIREMENT ACCOUNTS

An Individual Retirement Account (IRA) from First Security is a powerful savings solution, offering potential tax advantages and compounding benefits. We offer FDIC insured IRAs that invest in Certificate of Deposit accounts.

IRAs generally fall into one of two types – the Traditional IRA and the Roth IRA. While each IRA has unique benefits, they both offer tax savings to encourage taxpayers to plan for their future.

Choice of Traditional or Roth IRA Accounts
Low Minimum Opening Deposit
Flexible terms – six (6) months to seven (7) years
Interest compounded daily for the highest possible yields

A fee may be charged for overdrafts created by checks, in person withdrawals, ATM withdrawals or by other electronic means, as applicable.