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

Open an Account

1st Classic Checking

Free and easy for customers 62+

Open an Account

It’s for you if:
You prefer a safe, convenient way to manage your money without extra perks or fees

Earns Interest?
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.

1st Gold Checking

Essential checking with multiple options to waive maintenance fees

Open an Account

It’s for you if:
You like low-maintenance no-hassle checking
 

Earns Interest?
No

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 Hero Checking

Honoring your service, empowering your future

Open an Account

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

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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.

1st Step Checking

Step in with a strong financial foundation

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It’s for you if:
You otherwise might not qualify for a traditional checking account.

Earns Interest?
No

Minimum to open:
$25

Monthly maintenance service charge:
$0 if requirements are met. Otherwise, $5.

$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.

Account Restrictions:
This account does not allow the use of checks as a means of accessing funds. Deposits can only be made in person at the branch, in the night drop, or by direct deposit. This account is not eligible for Zelle®.

Not sure which account to open? Visit your local branch and we can help you choose the best option.

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.

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: 5.00% APY (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. Free online statements or $2 monthly charge for paper statements.

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.

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