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Checking Accounts

Decisions, decisions!


At SFNB, we offer a variety of checking account types so you are sure to find the one that is right for you!  Compare these types below and open a new account today!
Our Security Regular checking account is best for debit card users with direct deposit.    This account has a tiered minimum balance fee and a low cost per item charge.  Features of this account include:

  • No minimum balance fee if your monthly balance stays above $500, as shown in the following schedule:
Monthly Low Balance Minimum Balance Fee
$500 or more NONE
$300.00 to $499.99 $2.50
$200.00 to $299.99 $3.75
$100 to $199.99 $5.00
$99.99 or less $6.00

  • 20 cents per item fee when balance falls below $500. (does not apply to electronic transactions)
  • Check images included in statement
Our Security Traditional checking account is best for high volume check writers due to its unlimited check writing feature.  Other features include:

  • $7.50 monthly maintenance fee
  • No minimum balance requirements
  • Free checks on selected styles
  • Check images included in monthly statement
  • No charge for money orders
  • No per item charge
Created exclusively for our over 65 customers, our Security 65 checking account gives you everything for nothing!  Features of this account include:

  • No monthly maintenance fee
  • No limit on the number of checks written
  • No per item charge
  • No balance requirements
  • Free checks on selected styles
  • No charge for money orders
  • Check images included in monthly statement
If you want to earn interest on your checking account, our Now Checking is the account for you!  Features of this account include:

  • Check images included in monthly statement
  • $7.50 monthly maintenance fee if the balance drops below $1,500.
  • 20 cents per item charge if balance drops below $1,500.
  • No interest paid if balance drops below $1,500.
The following terms and conditions* apply to all checking accounts on this page:

  • Minimum deposit to open account is $100.00.
  • Withdrawals on checking accounts will normally be posted by check number order.
  • See our Fee Schedule for a list of other fees that could apply to your checking account.
*The terms and conditions on this page are for informational purposes only and are not meant to replace the Truth-in-Savings agreement received at time of account opening.