Checking Products

Free Plus CheckingBasic CheckingDiamond Club Checking

Minimum Initial Deposit: $50.00

Monthly Service Fee: Free

Minimum Balance to Earn Dividends: No Minimum

Balance Courtesy Pay Overdraft Protection

Bonuses: 25% Savings on Safe Deposit Box

Free Temporary Checks (on a limited basis)

e-Statements, Home Banking & BillPay Required

Minimum Initial Deposit: $50.00

Minimum Balance Fee: $5***

Minimum Balance to Earn Dividends: N/A

Courtesy Pay Overdraft Protection: N/A

Bonuses: N/A

Minimum Initial Deposit: $1500.00

Minimum Balance Fee: $10****

Minimum Balance to Earn Dividends: $2500.00

Courtesy Pay: N/A

Overdraft Protection

Bonuses: Free Coin Verification

Overdraft Transfer Protection

50% Savings on Safe Deposit Box

Free Accidental Death & Dismemberment Insurance

Free Plus Checking

(Rates based on average daily balance)

Minimum Deposit: $50.00

Balance to Earn DividendsDividend RateAPY*
Tier I $50.00-9,999.990.05%0.05%
Tier II $10,000-24,999.990.10%0.10%
Tier III $25,000-99,999.990.15%0.15%
Tier IV $100,000 and greater0.25%0.25%

Basic Checking

(Rates based on average daily balance)

Minimum Deposit: $50.00***

Balance to Earn DividendsDividend RateAPY*
N/AN/AN/A

Diamond Club Checking

(Rates based on average daily balance)
Minimum Deposit: $1,500****

Balance to Earn DividendsDividend RateAPY*
Tier I
$2,500.00-24,999.99
0.10%0.10%
Tier II
$25,000.00-49,999.99
0.20%0.20%
Tier III
$50,000.00-99,999.99
0.25%0.25%
Tier IV
$100,000.00 and greater
0.30%0.30%

Business Checking†

(Rates based on average daily balance)

Minimum Deposit: $200.00

Balance to Earn DividendsDividend RateAPY*
$1,000.000.05%0.05%

†Minimum balance of $1,000.00 required to avoid a $10.00 service charge.

* APY – Annual Percentage Yield. Minimum average daily balance required to obtain the APY for the dividend period.

*** – Minimum Balance of $500 to avoid $5 Minimum Balance Fee.

**** – Minimum Balance of $1500 to avoid $10 Minimum Balance Fee.

The Board of Directors, as required by law, reviewed and set the rates to be paid on the following
accounts effective September 1, 2018. Rates are subject to change without prior notice. For further information regarding applicable fees and terms, contact an employee at any Security First Credit Union Office.