Personal Checking Accounts

Personal Checking Account Comparison

Minimum Opening Deposit
Minimum Balance Requirement
Monthly Service Charge
Interest Bearing
Transaction Limits
Benefits

Free Checking

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Minimum Opening Deposit

$100

Minimum Balance Requirement

None
Account balance must retain a positive balance to remain open.

Monthly Service Charge

None

Interest Bearing

No

Transaction Limits

Unlimited

Benefits
  • FREE Online/Mobile Banking
  • FREE Bill Pay
  • Debit Card
  • FREE First Box of (Basic) Checks
  • Monthly Statement

Interest Checking

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Minimum Opening Deposit

$1,000

Minimum Balance Requirement

$1,000 minimum balance.

Monthly Service Charge

$10.00 service charge if balance falls below the minimum in the statement cycle.

Interest Bearing

Yes - Compounded Monthly

Transaction Limits

First 20 Debits item no charge
$0.25 for each additional debit item per statement cycle

Benefits
  • FREE Online/Mobile Banking
  • FREE Bill Pay
  • Debit Card
  • FREE First Box of (Basic) Checks
  • Monthly Statement

Additional Features

1 - A Surcharge Fee may be charged at ATM terminals not owned and operated by First Secure Bank & Trust and ATM terminals not participating in the MoneyPass® Surcharge Free networks. Using an ATM that is not in the MoneyPass® Surcharge Free network may result in both the Bank charging an Out of Network Fee and the ATM Owner charging a Surcharge Fee. Please refer to the fee schedule for other related costs, such as replacement cards and rush orders.