Common features among accounts:
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Personal Checking
| Features | Free Personal Checking (1) | Personal Interest Checking | High Yield Checking (2) | Value 50 Checking (3) | Student Checking(1) |
| Minimum to open | $100 | $100 | $2,500 | $100 | $10 |
| Minimum to earn interest | Not applicable | $500 | $2,500 | $500 | Not applicable |
| Minimum to avoid monthly charge | No minimum required | $100 | $2,500 | No minimum required | No minimum required |
| Monthly charge if minimum not met | No charge |
$7.00/mo + $.30/debit |
$10.00/mo + $.30/debit | No charge | No charge |
| Excess item charge (1) | No charge | $.30/item over 150/mo | $.30/item over 150/mo | $.30/item over 150/mo | No charge |
| Overdraft protection available (4) | Yes | Yes | Yes | Yes | Yes |
| Safe deposit box | Regular price | Regular price | 20% discount (5) | 20% discount (5) | Regular price |
| Personalized SFB checks | Available | Available | Free | Free | Free |
| Visa Credit Card (6) | Available | Available | Available | Available | Available |
| Visa Check Card (6) (7) | Free | Free | Free | Free | Free |
| ATM Card (6) (7) | Free | Free | Free | Free | Free |
| Security Federal Bank ATM usage | Free | Free | Free | Free | Free |
| Online Banking (8) | Free | Free | Free | Free | Free |
| (1) | Limit of 150 items per month. Items include debits, credits and checks deposited. |
| (2) | High Yield checking interest is comparable to money market rates. |
| (3) | Primary Account holder must be at least 50 years of age to qualify |
| (4) | Overdraft Protection may be available through a companion account, personal credit line, home equity credit line or Overdraft Reserve. |
| (5) | Safe deposit boxdiscounts are based on availability and require payment by automatic draft from a Security Federal Bank checking account. |
| (6) | ATM, Check and Credit Cardsare issued subject to approval. |
| (7) | Other-bank ATM usage is free up to four times per month. The other bank may impose an ATM surcharge. |
| (8) | Online banking includes bill pay, mobile banking and electronic statements. |
