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PERSONAL BANKING

 
Regular Personal Checking Accounts
 
Minimum opening deposit $100.00
Minimum Ledger Balance Charge
$ 1,000.00 or over No Charge
$ 999.00 to $500.00 $3.00
$ 499.00 or less $6.00
  • $0.15 per item will be charged for checks or other debit items in excess of ten per month.
  • If the account maintains $1,000 minimum ledger balance, none of the above charges apply.
  • No monthly maintenance fee or per check fee for Senior Citizens (65 years of age) and disabled persons.
  • Non-interest bearing.
 
Personal NOW Checking Accounts
  • Existing checking account can be converted.
  • Minimum opening deposit $1,000.
  • $1,000 minimum balance
  • Interest is earned on the entire collected balance, even if balance falls below minimum.
  • Interest is paid monthly.
  • $8.00 monthly service charge if minimum balance is not maintained.
Personal Super NOW Checking Accounts
  • 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 earned on the balance that is maintained above the minimum. Interest is earned on the entire collected balance, even if the balance falls below minimum. Interest paid monthly.
  • Unlimited checking
  • $15.00 monthly service charge if minimum balance is not maintained.

Statement Savings Accounts
  • Minimum opening deposit $200.00
  • Interest is compounded and paid quarterly.
  • Two withdrawals allowed per month without charge
  • Withdrawals of more than two (2) per month $ .50 each.
  • Maintenance charge of $2.00 per month on account balances of less than $200.
The above charges do not apply to minor children, seventeen and younger, of current bank customers.

Premium Money Market Account

Interest and annual percentage yield tiers vary.  Please refer to “Rates” tab for current interest rates.

  • A new account must be opened.
  • Minimum opening deposit $5,000.
  • No monthly service charge with daily balance of $5,000 or more.
  • $15 monthly service charge if balance falls below $5,000.
  • Earns variable Money Market Interest Rate on the collected balance based on change in posted index. 
  • Six withdrawals per cycle.
  • Unlimited withdrawals in person and teller assisted.

Personal Money Market Account

  • A new account must be opened.
  • Minimum opening deposit $2,500
  • $2,500 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.
  • A charge of $1.00 for each check written in excess of three
  • A charge of $3.00 for automatic or telephone transfer in excess of three
  • $15.00 monthly service charge if minimum balance is not maintained.

Personal 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,
paid by check or deposit
 
1 month of interest
 
10 day grace
period at
maturity
 
182 DAY CD $2,500.00 Compound at maturity,
paid by check or deposit
1 month of interest
 
10 day grace
period at
maturity
 
7 MONTH CD $10,000.00 Compound quarterly, paid by check or deposit
 
6 months of interest
 
10 day grace
period at
maturity
 
10 MONTH CD $10,000.00 Compound quarterly, paid by check or deposit
 
6 months of interest
 
10 day grace
period at
maturity
 
12 MONTH CD $1,000.00 Compound quarterly or semi-annually, pay by check,
deposit into checking or
savings account as often
as monthly
 
1 month of interest
 
10 day grace
period at
maturity
 
18 MONTH CD $1,000.00 Compound quarterly or semi-
annually, pay by check,
deposit into checking or
savings account as
often as monthly
 
3 months of interest
 
10 day grace
period at
maturity
 
30 MONTH CD $1000.00 Compound quarterly or semi-
annually, pay by check,
deposit into checking or
savings account as often
as monthly
 
3 months of interest
 
10 day grace
period at
maturity
 
36 MONTH CD $1,000.00 Compound quarterly or semi-
annually, pay by check,
deposit into checking or
savings account as
often as monthly
 
3 months of interest
 
10 day grace
period at
maturity
 

Personal 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

We offer a variety of loans for all your needs:

Personal Loans

  • Purchase or refinance a new or used auto
  • Purchase a boat, motorcycle or recreational vehicle
  • Home improvements
  • Debt consolidation, medical bills, vacation, other expenses
  • Secured by your Certificate of Deposit for any reason (does not include IRAs)
  • Line of Credit
We can transfer funds from your Security Bank and Trust Company, or any other bank or credit union, checking or savings account to automatically make your loan payment.

We offer competitive rates and terms. Call or stop by to talk to one of our experienced lenders.


Other Services
 
Account Research  
Per Hour $15.00
Per Statement $1.00
Per Item $0.50
   
ATM Card Replacement 1st Free
then $5.00 per card
Balance Inquiries  
Customer Service 4 free per month
2.00 additional
Cashiers Checks  
Customer $3.00
Non-Customer $6.00
   
Checkbook Reconciliation $15.00 per hour
(one hour minimum)
   
Collections  
Incoming-Customer $12.00
Outgoing-Customer $12.00
   
Copies of Paid Checks $2.00 per copy
   
Fax Service  
Local $2.00 per page
   
Insufficient Funds Fee  
Per Item $25.00
Overdraft Interest 18.00%
Money Orders  
Customer $1.00
Non-Customer $4.00
   
Night Depository Bags  
Zipper Bags $4.00
Locked Bags $20.00
Locked Bags refunded upon return  
   
Safety Deposit Boxes* Per Year
3x5 $10.00
3x10 $25.00
4x5 $15.00
4x10 $30.00
5x10 $35.00
10x10 $55.00
Notary Service  
Customer No Charge
Non-Customer $2.00
   
Processing Garnishments $25.00
   
Statements  
Regular Monthly statement No Charge
Duplicate monthly statement $10.00
Special cut-off statement Regular Service Charge
   
Stop Payments $15.00
   
Transfers  
Telephone 4 free per month and
  $1.00 additional
   
Traveler's Cheques for One 1.00%
Traveler's Cheques for Two 2.00%
   
Wire Transfers  
Incoming  
Customer No Charge
Non-Customer $20.00
Outgoing  
Customer $13.00
Non-Customer-CASH ONLY $30.00
International  
Customer  
U.S. Dollar $50.00
Foreign Dollar $35.00
Non-Customer CASH ONLY  
U.S. Dollar $60.00
Foreign Dollar $45.00

*10% discount for automatic debit to customer's checking or savings.
Additional Costs: When two (2) keys are issued to renter and if one or both are lost, there is a $100.00 minimum charge to drill box and change lock.