Personal Checking Accounts That Give You More!

Game ON, Security Federal Bank!

We’re bringing the heat with our newest checking offer:
- Earn up to 4.00% APY* on Premium & High Yield Checking!

It’s simple. It’s rewarding. And it’s one of the most competitive offers around.

 

Unlock the Power of Your Checking Account


At Security Federal Bank, we prioritize your financial well-being. That's why we offer a variety of personal checking accounts designed to meet your needs. Whether you're looking for a high-yield checking account, a rewards checking account, or simply want to enjoy the benefits of a standard checking account, we have options tailored to suit you.





Premium Checking

Qualify2 to earn 4.00% APY4 on the portion of the daily balance under $10,000 and have $1,200 in cell phone protection per year.  0.25%APY on any portion ≥ to $10,000.
 
Account Information
  • Earn Interest
  • $2,500 Minimum Deposit to Open
  • $15 waivable monthly fee
    • Maintain a $2,500 daily minimum balance, and we'll waive the monthly fee.
  • SFB Perks1
    • Cell Phone Protection
    • Roadside Assistance
    • ID Theft Aid
    • Buyer's Protection and Extended Warranty
    • Health Savings Card
    • Shop Local, Save Local with SFB Perks
    • Billshark
    • $10,000 Travel Accidental Death Coverage
    • BaZing Fuel
  • Qualify2 for ATM Fee Refunds3
  • Only one account of this type may be opened per social security number.
 
 
High Yield Checking

Qualify2 to earn 4.00% APY4 on the portion of the daily balance under $10,000. 0.25%APY on any portion ≥ to $10,000.
 
Account Information
  • Earn Interest
  • $1,000 Minimum Deposit to Open
  • $12 waivable monthly fee 
    • Maintain a $1,000 daily minimum balance and we'll waive the monthly fee.
  • Qualify2 for ATM Fee Refunds3
  • Only one account of this type may be opened per social security number.
 
 
Perks Checking

A low-cost account with SFB Perks1, including $1,200 in cell phone protection, and access to 24/7 free roadside assistance.
 
Account Information
  • $25 Minimum Deposit to Open
  • $7 per month subscription fee
  • SFB Perks1
    • Cell Phone Protection
    • Roadside Assistance
    • ID Theft Aid
    • Buyer's Protection and Extended Warranty
    • Health Savings Card
    • Shop Local, Save Local with SFB Perks
    • Billshark
    • $10,000 Travel Accidental Death Coverage
    • BaZing Fuel
  • Qualify2 for ATM Fee Refunds3
  • Only one account of this type may be opened per social security number.
 
Freedom Checking

Low-cost, basic checking account. Maintain a $100 minimum daily balance and we'll waive the $5 monthly fee.
 
Account Information
  • $100 Minimum Deposit to Open
  • $5 monthly fee
    • Maintain a $100 daily minimum balance and we'll waive the monthly fee.
 
 
 
 
How to Qualify2 for ATM Refunds3 in our Premium, Perks and High Yield Account and earn 4.00% APY4 in our Premium and High Yield Account on portion:
If the answer to all three qualifying questions below is YES, you qualify for the additional benefits:

Do you receive eStatements instead of paper statements?

Did you make 12 or more debit card purchases in the preceding month?

Are you set-up for at least one monthly ACH debit or credit?

 
*4.00% APY (Annual Percentage Yield) paid monthly on balances up to $10,000. Balances above $10,000 earn 0.25% APY paid monthly. To qualify, the account must have 12 debit card transactions post and clear, 1 ACH transaction post and clear, and e-statements each monthly cycle. $1,000 opening deposit required on High Yield account and $2,500 opening deposit required on Premium account. Minimum balance requirements apply. Fees may reduce earnings. APY as of 03/16/2026 and subject to change at any time.

















Account openings and credit are subject to bank approval.
 
1 Cell Phone Protection: Receive up to $600 per claim ($1,200 per year) if your cell phone is broken or stolen when you pay your bill from your Premium or Perks account. You will be assessed a $50 co-payment per claim. Subject to the terms and conditions detailed in the Guide to Benefits found in the SFB Perks App. Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. Roadside Assistance: Available 24/7 and free to use, up to $80 in covered services per incident. ID Theft Aid: Includes identity restoration and payment card resolution, personal identity theft benefit, credit monitoring & credit report, credit score and scoretracker, score simulator, and identity monitoring. Subject to the terms and conditions detailed in the Guide to Benefits found in the SFB Perks App. Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. Requires additional activation to begin. Buyer's Protection and Extended Warranty: Items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 day of purchase, using your Perks or Premium Checking Account. Subject to the terms and conditions detailed in the Guide to Benefits found in the SFB Perks App. Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. Billshark: Let the Billshark team of experts negotiate your internet, TV, and home security services on your behalf. Billshark's fee is 33% of your savings. Requires additional activation to begin. $10,000 Travel Accidental Death Coverage: Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. BaZing Fuel: Earn 10¢/gal for up to 20 gallons each month with just 15 debit card swipes.
You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.
 
 2 Qualification Information: Transactions and activities may take one or more business days from the date the transaction or activity occurred to post and settle to the account. The following activities do not count toward earning reward: ATM-process transaction, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, purchases made with a debit card not associated with the account, and bill payments made through Security Federal Bank’s online banking. Transactions bundled together by merchants and received by our institution as a single transaction count as one transaction for the purpose of earning account rewards.
 
3 If qualifications are met during the Statement Cycle, you will receive reimbursements (max. $25.00 per cycle) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Statement Cycle in which you qualified. These reimbursements will be treated as interest for IRS (Form 1099-INT) reporting purposes. If qualifications are not met during the Statement Cycle, nationwide ATM fees are not reimbursed.
 
4 Annual Percentage Yield (APY) accurate as of 03/16/2026. Determination of Rate: The interest rate paid each month will be a single interest rate on the entire balance based on the daily balance during the prior month as illustrated in the High Yield Table. If, however, the account satisfied the criteria for an earned reward benefit during the prior month, the interest rate and APY would be more favorable. If the reward is earned, the High Yield Table does not apply. Instead, the Bank will pay an interest rate of 4.00% on any portion of the daily balance that is less than $10,000. The corresponding APY on the portion would be 4.00%. Additionally, the Bank will pay an interest rate of .25% on any portion of the daily balance that is greater than or equal to $10,000. Whenever account balances are greater than or equal to $10,000, the blended APY on the entire balance would vary from 4.00% to 0.25%, depending on the daily balance. Frequency of Rate Change: The bank may change the interest rate on your account at any time. Compounding and Crediting: Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest.
 

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