Security Financial Bank

Personal Services

Checking: Just 4 Teens | Free Lifestyle Banking | Lifestyle Banking plus Interest

Goodtimes | Simply Free Checking | Rewards Package

Savings & Loans: Savings | Loans

J4T Checking - Just For Teens

Is it time for a first checking account?
Healthy relationships and good habits develop early. That's why Security Financial Bank offers teenagers J4T Banking which includes J4T Checking accounts and J4T Savings accounts. Now, young adults can enjoy a safe and educational introduction to banking and smart money management.

A free debit/ATM card
No checks; just a plastic card to pay for gas, pizza, movies and other critical things. Money comes right from your J4T Checking Account.

Free Online Banking
Easy, secure access to account information to see where your money goes and to manage what's left.

Free eStatements
Do your part to protect the environment... access your statements right online, no paper needed.

Earn Interest
Part of saving your money is earning something for it. All J4T Checking balances earn interest.

OOPS!
That's One Overdraft Per Student at no charge (because no one is perfect!)

Automatic saving
Every week or month as little as $10 can be automatically transfered into a J4T Savings account.

First box of checks free
Sometimes you need to go old school and pay with a check. We'll give you a box for free to cover those instances.

Fast auto financing
Cars happen, too. When that time comes, see us about financing. We want to help young people build a good credit history.

Money Talks Newsletter
An informative newsletter for teens with tips to help you grow your savings is available on our website and in our lobbies.

For Parents

Just like watching over children as they take their first steps or ride their first bike, so can parents monitor the behavior of their young adults with their first checking account.

Access to account information
Simply use Internet banking to view your teen's account activity. All the details are there, giving you the power to guide and make changes as necessary. If you and your teenager are ready, come to Security Financial Bank. A parents signature is required for youth under 18.

Free Lifestyle Banking℠

Includes ID theft alerts!

Do something healthy for your banking and your life. With Lifestyle Banking℠ you enjoy...

Free checking

Free debit/ATM card plus no-fee ATM transactions*

Free Internet banking

Free Online Billpay

Free eStatements (required)

Checking account protection up to $500

Free ID Theft Monitoring Service

Free membership to an Online Family Health and Fitness web site (customized training, nutrition, check-ins, health information, recipes, specialized info for kids and other age groups)

Free access to online financial courses, ideas and information

This account is free when you arrange for a direct deposit or any ACH regular monthly payment.

*Subject to approval, other financial institutions may impose fees at ATMs not owned by Security Financial Bank

Lifestyle Banking℠ plus Interest

Take your Lifestyle Checking account to the next level. Earn interest on all balances.

Premium interest rates paid on balances over $5,000

Free debit/ATM card plus no-fee ATM transactions*

Free Internet banking

Free Online Billpay

No annual fee for Home Equity Lines of Credit

Choice of free eStatements or monthly statement mailed to home

Free ID Theft Monitoring Service

Free membership to an Online Family Health and Fitness web site (customized training, nutrition, check-ins, health information, recipes, specialized info for kids and other age groups)

Free access to online financial courses, ideas and information

There is no monthly fee when you maintain a minimum balance of $5,000. If below during the month there is a charge of $8.95.

*Subject to approval, other financial institutions may impose fees at ATMs not owned by Security Financial Bank

Goodtimes - for customers 50 or better

You have earned special benefits in banking!

Interest-earning checking

Free debit/ATM card plus no-fee ATM transactions*

Free Internet banking

Choice of free eStatements or monthly statement mailed to home

Free Online Billpay

Free checks

Group travel opportunities

Plus, by adding eStatements, all of the benefits of Lifestyle Banking are also available!

Free ID Theft Monitoring Service

Free membership to an Online Family Health and Fitness web site

Free access to online financial courses, ideas and information

*Subject to approval, other financial institutions may impose fees at ATMs not owned by Security Financial Bank

Simply Free checking

Unlimited checking

$100 minimum balance to open the account, then there is no minimum balance required

Free Internet banking

Free debit/ATM card plus no-fee ATM transactions*

*Subject to approval, other financial institutions may impose fees at ATMs not owned by Security Financial Bank

Rewards Package

Make your new account even better! Add these options:

No annual fee Home Equity Line of Credit

Discounts at restaurants nationwide

$10,000 travel accidental death insurance

Online shopping discounts

Discounts from local service providers

Payment card protection

Emergency travel assistance services

And more!

Add all this to any checking account for only $5.95 per month. Ask for details.

Savings

Just-4-Kids Club

If you have children under 13, Just 4 Kids can help get them started on a path to good savings habits.

Interest: 4% on the first $500! Balances over $500, same rate as Security Savings and compounded monthly
Minimum Balance: $10.00
($1.00 monthly charge if below minimum)
Ages: under 13 years of age
Withdrawals: 1 withdrawal monthly
($1.00 charge on each withdrawal over 1)

Money Talks Newsletter: full of good ideas, games and activities available on our website and in our lobbies

J4T Savings

Interest: 4% on the first $1000! Balances over $1000, same rate as Security Savings and compounded monthly
Minimum Balance: $10.00
($1.00 monthly charge if below minimum)
Ages: 13 - 19 years of age
Withdrawals: 1 withdrawal monthly
($1.00 charge on each withdrawal over 1)

Security Financial Bank offers you a complete range of savings options to fit your needs. Ask a Personal Banker for more information.

Security Savings
Interest: Compounded monthly
Minimum Balance: $100.00
($3.00 monthly charge if below minimum)
Benefits: Free ATM Card
Withdrawals: 6 withdrawals monthly
($1.00 charge on each withdrawal over 6)
If the account becomes overdrawn, the standard NSF and Overdraft fees will apply.

Investors Account
Interest: Tiered and compounded monthly
Minimum Balance: $5,000.00
($10.00 monthly charge if below minimum)
Benefits: Free ATM Card
Withdrawals: 6 withdrawals monthly
($10.00 charge on each withdrawal over 6)
Tiers: $0.00 - $9,999.99
          $10,000.00 - $24,999.99
          $25,000.00 - $49,999.99
          $50,000.00 - $99,999.99
          $100,000.00 +
If the account becomes overdrawn, the standard NSF and Overdraft fees will apply.

MaxRate High-Yield Money Market Account
An exclusive account for Security Financial Bank checking account customers. One of the best ways to keep your money safe while earning a competitive interest rate. Plus, you have access to your money when you need it most.

Interest: Tiered and compounded monthly
Minimum Balance: $10,000.00
($10.00 monthly charge if below minimum)
Benefits: Competitive interest rate and monthly access to funds
Withdrawals: 1 withdrawal per statement cycle
($10.00 charge on each additional withdrawal)
Tiers: $0.00 - $9,999.99
          $10,000.00 - $49,999.99
          $50,000.00 - $99,999.99
          $100,000.00 +

Certificates of Deposit
Interest: Tiered and compounded monthly
Minimum Balance: $1,000.00
Benefits: No penalty withdrawals in the event of
(1) health care options, (2) death of account holder, or (3) down payment for mortgage with SFB.
Terms: up to 5 years
Tiers: $1,000.00 - $9,999.99
          $10,000.00 - $24,999.99
          $25,000.00 - $99,999.99
          $100,000.00 +

Education & Retirement Savings
(Flex IRA/Flex Roth IRA)
Interest: Tiered and compounded daily
Minimum Balance: None ($50.00 required for account openings)
Benefits: Competitive interest rate and deposit/withdrawal flexibility
Tiers: up to $49,999.99
$50,000.00 - $99,999.99
$100,000.00 +
(Regular CD products also available for retirement planning.)

Health Savings Account (HSA)
If you are covered by a High Deductible Health Plan (HDHP) you can use HSAs to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax free basis.
Interest: Compounded monthly
Minimum Balance: None
($100.00 required for account opening)
Benefits: Competitive interest rates and the convenience of a checking account with unlimited transactions and no monthly fees (annual fee and check printing charges may apply)

Included in each account is access to all the
latest in banking conveniences, including:

Free Internet Banking
Free Telephone Banking
Free ATM Card
Free eStatements
Online Bill Pay available

Loans

We make loans, fast, for all kinds of good reasons… reasons like improving homes and buying vehicles. Stop in and let us help you!

Home Equity Financing

Unique tax advantages
Versatility
Lines and loans available

Auto/Truck/RV Financing

Same day service
Very competitive rates and terms

Personal Installment Loans and Notes

Fast, friendly help

Credit Cards

Visa and MasterCard available

**You may be charged our standard NSF fee for each item created by check, in-person withdrawals, ATM withdrawals or other electronic means paid under the limit. All negative balances must be brought positive within 30 days. Security Financial Bank reserves the right not to pay these items if the account is not kept in good standing. Please contact a customer service representative for more details.

Member FDIC Department of Housing & Urban Development