Our new account specialists are available to help you find a checking account with the features you are looking for. Whether you need an account that has no minimum balance, one with free checks, or an account that earns interest we have a checking account that is right for you.
|Core Checking||Advantage Checking||Premium|
|Qualifications||55 years of age or older|
|Minimum Balance to Open||$50||$500||$2,500||$50|
|None||$500 minimum daily balance to avoid Service Charge||$2,500 minimum daily balance to avoid Service Charge||None|
|Service Charge per Statement Cycle||$4.95 Service Charge; waived with eStatements||$5 Service Charge if daily balance falls below the Minimum Daily Balance.||$10 Service Charge if daily balance falls below the Minimum Daily Balance||None|
|Earns Interest||No||Tiered interest||Tiered interest||Tiered interest|
|Compounding & Crediting Frequency||None||Monthly||Monthly||Monthly|
|Other||Free Basic Checks!||Free Basic Checks!|
A savings account is a convenient way to save money. You can deposit to or withdraw from your account at any time. This account has tiered interest rates, so the higher your balance the higher your rate of return.
|Super Kids Savings||Savings||Money Market||Private Wealth Money Market|
|Qualifications||Minors, 17 and under|
|Minimum Balance to Open||None||$50||$2,500||$100,000|
|Minimum Daily Balance||None||$50 minimum balance to avoid Service Charge||$2,500 minimum balance to avoid Service Charge||$2,500 minimum balance to avoid Service Charge|
|Service Charge||None||$5 Service Charge per month if balance falls below the Minimum Daily Balance.||$10 Service Charge per statement cycle if balance falls below the Minimum Daily Balance.||$10 Service Charge per statement cycle if balance falls below the Minimum Daily Balance.|
|Earns Interest||Tiered interest||Tiered interest||Tiered interest||Competitive Interest|
|Compounding & Crediting Frequency||Quarterly||Quarterly||Monthly||Monthly|
Certificates of Deposit
When it comes to keeping your money safe and growing, nothing beats a FDIC insured certificate of deposit. Visit a location near you for our current rates and to purchase your certificate of deposit.
Features and Benefits
- Terms from 3 months to 5 years
- Competitive interest rates
- Multiple interest payment options
- Paid by check
- Automatically deposited to your checking or savings account
- Convenient renewal process
- A maturity notice is mailed prior to the maturity date
- Certificates are automatically renewed at maturity
- A 10 day grace period allows you to make changes without a penalty
- Penalties for early withdrawal
Mastercard® Debit Card
A Debit Card will give you access to the money in your checking account without a paper check. You can use the debit card to make purchases anywhere Mastercard® is accepted and your checking account will be electronically debited for the transaction. The card can also be used to get cash from ATMs around the world. Whether you are close to home, traveling for business, or vacationing with your family, a Debit Card is a safe and convenient way to make purchases or get cash.
To find surcharge-free MoneyPass ATM near your home or office visit www.moneypass.com.
To report fraud on your debit card call 1-800-262-2024.
Take control of your Security Bank & Trust Debit card by downloading the CardValet app today. This app allows you to turn your card on and off, set up alerts to meet your specific needs and monitor your spending anytime, anywhere!
Consumer Credit Cards
If you’re looking for a personal credit card that offers a variety of rate and reward options, we’ve got you covered. Our cards are flexible, easy to use, and can meet the needs of every financial goal.
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.
Choose the right Rewards Card
Use our Rewards Card Comparison Tool to see which card provides you the greatest reward based on your spending and point redemption preference.
A comfortable retirement is a part of the American Dream and an IRA is one of the best ways to help make that dream come true. People are retiring earlier and living longer. Withdrawals from an IRA can be an important supplement to other retirement income such as pension payments and social security checks.
- Contributions may be tax-deductible
- Earnings grow tax-deferred
- Can be used to receive a direct rollover from your employer plan
- Variable and fixed rate accounts available
You may want to consider a Traditional IRA if:
- You are looking for a tax deduction
- You anticipate being in a lower tax bracket in retirement
- Non-deductible contributions
- Tax-free earnings on qualified distributions
- No required minimum distributions at age 70 1/2
- Variable and fixed rate accounts available
You may want to consider a Roth IRA if:
- You do not qualify for a deduction on the Traditional IRA
- You expect to be in a higher tax bracket at retirement
- You want your money to grow tax-free
Contribution Limits and Catch-Up Provision
Contribution Limits – You may contribute 100% of your earned income up to the amount of the maximum annual contribution limit between all of your Traditional and Roth IRA’s.
|Tax Year||Maximum Contribution||Catch-up Amount|
“Catch-up” Amount – Individuals who are age 50 or over before the close of the tax year can make an additional contribution for that tax year.
These limits are adjusted by the IRS annually. For more information on your qualified contribution amount, see IRS publication 590-A (pdf).
Changing jobs or retiring? A direct rollover of your 401(k) or retirement plan to a traditional IRA is a non-taxable event. If you have questions concerning a direct rollover or need help completing the paperwork from your former employer, we would be happy to help. Please call or stop by your local branch to talk to the IRA specialist.
Additional Account Offerings
For information on Self-Directed IRAs, 529 College Savings Plans, and alternative investment choices, please click here to learn about our brokerage services.