Checks Paid On Account (Debits)
Deposits Made (Credits)
Charge for Checks Deposited
Monthly Maintenance
Earnings Credit for Each $100.00 of Average Collected
balance
$100.00
$ 0.15
$ 0.30
$ 0.075
$ 5.00
$ 0 .10
Business NOW Checking Accounts
Sole Proprietorship ONLY Corporations and Partnerships are not
eligible.
Existing Checking Account can be converted.
Minimum Opening Deposit $1,500.
To avoid service charge, a $1500 Minimum Daily Balance, or
$2,500 Average Balance for the month, whichever is less.
Interest earned on the entire collected balance, even if
balance falls below minimum. Interest is paid monthly.
Charge for checks deposited (credit) $ .075 each.
Checks paid on account (debit) $ .15 each.
$10.00 Service Charge if minimum balance is not maintained.
Business Super NOW Accounts
Sole Propiertorship ONLY. Corporations and Partnerships are not
eligible.
Existing Checking Account Can Be Converted.
Minimum Opening Deposit $2,500.
$2,500 Minimum Balance.
Earns Variable Interest Rate on the collected balance based on
change in posted index. Market rate interest is earned on the
balance that is maintained above minimum. Interest paid monthly.
Unlimited Checking
Charge for Checks Deposited $ .075 Each.
Checks Paid on Account (Debit) $ .15 each.
$15.00 Service Charge if minimum balance is not maintained
Money Market Accounts
Business or Corporations
A new account must be opened.
Minimum opening deposit $5,000.
$5,000 minimum balance.
Earns variable Money Market interest rate on the collected
balance based on change in posted index as long as the minimum
balance is maintained; if the minimum balance is not met, the
entire interest is forfeited for the month.
Six withdrawals per cycle.
Unlimited withdrawals in person and teller assisted.
Charge for transactions in excess of those listed above are:
Charges for Checks Deposited $0.075
Checks Paid on Account (Debit) $0.15
$15.00 service charge if minimum balance is not maintained.
Statement Savings Accounts
Minimum opening deposit $200.00*
Interest is compounded daily, paid quarterly.
2 withdrawals allowed per month without charge
Excessive withdrawals of more than two (2) per month $ .50
each.
Maintenance charge of $2.00 per month on account balances of
199.99 or less.
* Does not apply to minor children of customers.
Commercial Certificates of Deposit
TERM
MINIMUM TO OPEN
INTEREST PAYMENTS
EARLY WITHDRAWAL PENALTY
GRACE PERIOD AT MATURITY
91 DAY CD
$2,500.00
Compound at maturity,
pay by check, deposit
into checking or savings
as often as monthly
1 month of interest
on the amount
withdrawn
10 day grace
period at
maturity
182 DAY CD
$2,500.00
Compound at maturity,
pay by check, deposit
into checking or savings
account as often as
monthly
1 month of interest
on the amount
withdrawn
10 day grace
period at
maturity
12 MONTH CD
$1,000.00
Compound semi-
annually, pay by check,
deposit into checking or
savings account as often
as monthly
1 month of interest
on the amount
withdrawn
10 day grace
period at
maturity
18 MONTH CD
$1,000.00
Compound semi-
annually, pay by check,
deposit into checking or
savings account as
often as monthly
3 months of interest
on the amount
withdrawn
10 day grace
period at
maturity
24 MONTH CD
$500.00
Compound semi-
annually, pay by check,
deposit into checking or
savings account as often
as monthly
3 months of interest
on the amount
withdrawn
10 day grace
period at
maturity
30 MONTH CD
$1000.00
Compound semi-
annually, pay by check,
deposit into checking or
savings account as often
as monthly
3 months of interest
on the amount
withdrawn
10 day grace
period at
maturity
36 MONTH CD
$1,000.00
Compound semi-
annually, pay by check,
deposit into checking or
savings account as
often as monthly
3 months of interest
on the amount
withdrawn
10 day grace
period at
maturity
Commercial Loans
Three convenient locations to serve you:
Miami, OK 2 South Main Street
(918)542-6661
Miami, OK
2200 N. Main Street
(918)542-6661 x 265
Afton, OK
1 SW 1st Street
(918)257-4242
Commercial Loans
Line of Credit
Equipment purchases
Expansion
Real Estate
Inventory and Accounts Receivable
SBA (Small Business Administration) Loans
Our commercial lenders, combined, have 50 years of experience.
Call today and put that experience to work for your business.
Merchant Credit Card Services
In today's business world, companies need a payment processing
system that is designed to fit their specific needs. Whether you
conduct business by mail, phone order, retail or accept payments
via the internet, Security Bank and Trust Company is here to
provide you with the best payment processing solution.
Security Bank and Trust Company merchant processing system is
capable of processing both MasterCard and Visa transactions. For
more information about products and services contact our
Customer Service Department at 918-542-6661 or 888-330-6419.
Commercial Services Account Analysis Pricing
Service Description Price
Price
Demand Deposit Account
Monthly Maintenance
$7.50
Checks Paid (debits)
$0.25
Debit Memo or Credit Memo
$0.25
Pre-Authorized Debit or Credit (ACH)
$0.25
Overdrafts
NSF Per Check
$25.00
Overdraft Interest
Prime + 3%
Returned Items
$2.00
Stop Payment
$15.00
Daily Statement (per statement)
$3.00
Fine Sort
$0.03
Account research (per hour)
$15.00
Per Copy
$1.00
Per Item
$0.50
Payable Through Drafts
$0.06
Warrants
$0.06
Wire Transfers
$0.06
Incoming
Outgoing
$6.00
ACH Wire
$7.50
Items Deposited
$0.04
F.D.I.C. Assessment (based on average ledger)
Strapped Currency (per strap)
$0.04
Rolled Coin (per roll)
$0.0750
MICR Rejects (unreadable magnetic encoding)
$0.06
MICR Encoding
$0.06
Collection Items
$12.00
Funds Availability: On US (SBT) Immediate Credit; Oklahoma
Checks – Next Day Availability; Out-of-State checks:
Two-day-availability
