Personal Checking & Savings Accounts in Minnesota – Low Fees, Great Rates

Our personal checking and savings accounts provide the flexibility and convenience you need to manage your money with confidence, no matter your financial goals.

Personal Checking Accounts – Simple and Convenient Banking.

Our personal checking accounts are designed to make banking easier and convenient, offering straightforward solutions that align with your financial habits. Whether you're looking for basic banking or additional features, our accounts provide the flexibility to fit your lifestyle.

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Find the Right Personal Checking Account for Your Financial Goals

Security Bank & Trust Co. offers a variety of personal checking account options designed to suit your lifestyle. Whether you’re looking for a budget-friendly option or an account that helps your money grow with competitive rates, we provide the flexibility and convenience you need.

All personal checking accounts include access to:

Online Banking
eStatements
Mobile Banking including mobile deposit
CardValet the mobile app that let's you control debit card usage and spending on the go

Bill Pay
Optional overdraft protection services
Debit card

	Core Checking	Advantage Checking	Premium Checking	Gold Checking
Designed For	Looking for no strings and no hassles	Wanting to earn interest while managing their day-to-day finances	Wanting to earn more and save more.	55 years or older
Minimum Balance to Open	$50 minimum balance to open	$500 minimum balance to open	$2,500 minimum balance to open	$50 minimum balance to open
Minimum Daily Balance (1)	No minimum balance requirement	$500 minimum daily balance requirement	$2,500 minimum daily balance requirement	No minimum balance requirement
Service Charge	$4.95 service charge per statement cycle; waived with eStatements	$5 service charge per statement cycle if daily balance falls below $500	$10 service charge per statement cycle if daily balance falls below $2,500	No monthly service charge
Earns Interest	No	Competitive Interest	Competitive Interest	Competitive Interest
Extra Features	Check images included in your bank statement	Check images included in your bank statement	Check images included in your bank statement Free basic wallet checks (one box per order)	Check images included in your bank statement Free basic wallet checks (one box per order)

Name	Designed For	Minimum Balance to Open	Minimum Daily Balance (1)	Service Charge	Earns Interest	Extra Features
Core Checking	Looking for no strings and no hassles	$50 minimum balance to open	No minimum balance requirement	$4.95 service charge per statement cycle; waived with eStatements	No	Check images included in your bank statement
Advantage Checking	Wanting to earn interest while managing their day-to-day finances	$500 minimum balance to open	$500 minimum daily balance requirement	$5 service charge per statement cycle if daily balance falls below $500	Competitive Interest	Check images included in your bank statement
Premium Checking	Wanting to earn more and save more.	$2,500 minimum balance to open	$2,500 minimum daily balance requirement	$10 service charge per statement cycle if daily balance falls below $2,500	Competitive Interest	Check images included in your bank statement Free basic wallet checks (one box per order)
Gold Checking	55 years or older	$50 minimum balance to open	No minimum balance requirement	No monthly service charge	Competitive Interest	Check images included in your bank statement Free basic wallet checks (one box per order)

Grow Your Wealth with Savings & Money Market Accounts

Start building your financial future with our personal savings accounts. Whether you're opening your first savings account or looking to maximize returns with a higher-yield money market option, we offer competitive interest rates and flexible solutions tailored to your needs. The more you save, the more you earn—helping you reach your financial goals faster.

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All personal savings accounts include access to:

Competitive interest rates
Online banking
eStatements

Ability to link to any checking account for overdraft protection
Mobile Banking including Mobile Deposit
Ability to set up automatic transfers to reach your savings goals faster

	Savings	Money Market	Private Wealth Money Market	Super Kids Savings	Health Savings Account (HSA Checking)
Designed For	Looking to start putting money aside	Looking to earn more from their investment	Wanting our most competitive interest rate	17 and under	Must be in a high deductible health plan
Minimum Balance to Open	$50 minimum balance to open	$2,500 minimum balance to open	$100,000 minimum balance to open	No minimum balance to open	$50 minimum balance to open
Minimum Daily Balance (1)	$50 minimum daily balance requirement	$2,500 minimum daily balance requirement	$2,500 minimum daily balance requirement	No minimum balance requirement	No minimum balance requirement
Service Charge	$5 service charge per month if daily balance falls below $50	$10 service charge per statement cycle if daily balance falls below $2,500	$10 service charge per statement cycle if daily balance falls below $2,500	No monthly service charge	$4.95 service charge per statement cycle; waived with eStatements
Extra Features	Competitive Interest	Competitive Interest	Competitive Interest	Competitive Interest	Competitive Interest

Name	Designed For	Minimum Balance to Open	Minimum Daily Balance (1)	Service Charge	Extra Features
Savings	Looking to start putting money aside	$50 minimum balance to open	$50 minimum daily balance requirement	$5 service charge per month if daily balance falls below $50	Competitive Interest
Money Market	Looking to earn more from their investment	$2,500 minimum balance to open	$2,500 minimum daily balance requirement	$10 service charge per statement cycle if daily balance falls below $2,500	Competitive Interest
Private Wealth Money Market	Wanting our most competitive interest rate	$100,000 minimum balance to open	$2,500 minimum daily balance requirement	$10 service charge per statement cycle if daily balance falls below $2,500	Competitive Interest
Super Kids Savings	17 and under	No minimum balance to open	No minimum balance requirement	No monthly service charge	Competitive Interest
Health Savings Account (HSA Checking)	Must be in a high deductible health plan	$50 minimum balance to open	No minimum balance requirement	$4.95 service charge per statement cycle; waived with eStatements	Competitive Interest

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Personal Credit Cards

A credit card is a great way to manage your expenses and build your credit. Our card options are simple and designed for all walks of life. Plus we offer a variety of exciting rewards options that work for you.

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Choosing the right credit card is easier than ever.

Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you'll enjoy important features like:

Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
Mobile purchasing capability for added convenience.
Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.

Cardmember Service available 24 hours a day/365 days per year.
Plus much more!

^{*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.}

^{The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.}

Find out how easy it is to open a credit card

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