Iowa & Nebraska Checking
With a rewards checking account, you earn uChoose Rewards® (learn more below). While treating yourself to perks through our rewards program, you’ll also receive free additional benefits.
Checking Account Comparison
We understand that your financial needs are unique, which is why we offer three checking account options. Compare options below, and if you still need a little extra help deciding which account is best for you, contact a personal banker today.
| Rewards Checking | Choice Rewards Checking | Premier Rewards Checking | |
|---|---|---|---|
| Minimum Opening Deposit | $100 | $100 | $100 |
| Monthly Service Charge |
$3.95 Fee Waived with 10 Visa® debit card transactions $500 minimum daily balance1 $1,500 total deposit relationship2 |
$12.00 Fee waived with 15 Visa® debit card transactions or $1,500 minimum daily balance1 or $5,000 total deposit relationship2 |
$15.00 Fee waived with $20,000.00 total deposit relationship2 |
| Interest | Not available |
$1,500
|
$1,500
|
| Paper Checks | Available at list price | Available at list price | FREE bank logo checks |
| Paper Statements | $4.95 | $4.95 | $4.95 |
| ATM Transaction Fee3
No ATM transaction fees at Security National Bank ATMs |
Non-SNB ATM transaction fees apply | Get up to $10/month reimbursement for Non-SNB ATMs | Get up to $20/month reimbursement for Non-SNB ATMs |
| Consumer Loan Discount |
0.50%
|
0.50%
|
0.50%
|
| Mortgage Closing Cost Credit4 | Not available | Not available |
$250.00 credit on closing costs for refinance or home loan greater than $100,000.004 |
| Safe Deposit Box | Available at list price | Up to $30 credit for the first year | Up to $30 credit for the first year |
2The Total Deposit Relationship is the Minimum Daily Balance in your checking account plus the current balance of all other deposit accounts you have with us on the statement cycle date of your checking account.
3ATM Transaction Fee: Security National Bank (SNB) will assess a fee for each ATM transaction conducted at a non-SNB ATM (foreign). Non-SNB ATM is defined as any ATM that does not display the SNB logo in any manner, physically on the ATM or digitally on the screen. See the Consumer Fee Schedule for fee details. Non-SNB ATM owners may apply a surcharge fee on ATM transactions at their ATMs in addition to the non-SNB ATM fee. 4Mortgage closing cost credit applies to primary residences only. Cannot be combined with other discounts/promotional offers or exceed fees charged by SNB. Valid for loans closed by SNB Mortgage department only. Visit with an SNB Mortgage Lender for complete details.
uChoose Rewards® Perks
With our uChoose Rewards® program*, you can earn points using the Security National Bank personal debit/credit card or Premier Business credit card. Then, trade points for rewards at uChooseRewards.com.
Cash
Travel
hotels, airfare, car rentals, cruises or packages
Event tickets
sports, concerts, theater, top shows or other activities
Gift cards
restaurants, electronics, gas, retail stores or travel
Merchandise
the possibilities are virtually endless
uChoose Rewards® FAQs
What is uChoose Rewards®, and how can I enroll?
uChoose Rewards® is a rewards program where you earn points for shopping and using your Security National Bank Debit Rewards card. Simply register your card to enroll at uChooseRewards.com.
Note: Security National Bank reserves the right to modify the point values without prior notification.
How do I earn points?
You will earn 1 point for every $2 spent for each debit, bill pay and pinless (choosing credit) transaction. You earn 1 point for every $4 spent for each PIN point-of-sale transaction. Plus, you can earn even more points when you shop at promotional participating retailers. Choose to shop in-store at national or local retailers or online through uChooseRewards.com. When shopping in-store, be sure to select credit and sign for your purchases to earn more points.
Where can I earn points?
You earn points everywhere your card is accepted.
When can I redeem my points?
It can take up to 40 days for your points to be credited to your account. You must accumulate 1,500 points before you can redeem your points. You must accumulate 2,500 points before you can redeem your points for cash back, which will show up as a credit on your account. You can choose to redeem points once you’ve reached the minimum amount or wait and accumulate points for any number of great items from our catalog. Simply look for your “Total Points” at the top of any page to see how many points you have available for redemption.
Can I share points with my family members?
Yes, all personal cards within an account automatically earn points together. In addition, if you have multiple debit or credit accounts with Security National Bank, you can link them together to earn rewards faster. Visit your Profile page in the top right corner of the website and click on My Account to link more accounts to your program.
What can I redeem my points for?
It’s your choice! You can choose from numerous options, whether it’s products, travel experiences, activities, event tickets, cash back (which shows as a credit on your account) or more! Simply visit the Redeem Points page and click on the category that suits your interests.
We keep track of all the points you earn and will help you find just what you’re looking for when you’re ready to redeem. We even have a favorites list that will help you track when you’ve earned enough to redeem a specific item.
Where can I view my point activity?
You can access the history of your point activity on the My Rewards page or through your online banking account.
Will my points transfer to my new card if I lose my card?
Yes. A personal banker at your local branch will help you if you lose your card and ensure all of your points have accurately transferred to your new card.
Do my points expire?
Points expire at the end of the 36th month after the month in which they were posted to your uChoose Rewards® account.
What if I shopped at a participating retailer, but my points aren’t showing up?
Purchases can take up to 30 days to appear on the My Rewards page. If points from a qualified purchase do not appear after 30 days, contact a banker toll-free at 1-844-SNB-1964 (1-844-762-1964) for assistance.
If I use my card at an ATM, will that transaction count towards my point total?
No. Transactions at an ATM do not qualify.
How much does it cost to participate?
There’s no cost. Membership in uChoose Rewards® is absolutely free for Security National Bank cardholders, so start shopping and earning today.
What if I have other questions?
If you have other questions not answered here, contact a banker toll-free at 1-844-SNB-1964 (1-844-762-1964) or contact a specific branch location.
Added Free Benefits
Online & Mobile5 Banking
eStatements
Bill Pay
Digital Wallet5
debit card use available
Account Alerts5
ATM Withdrawals
You will not incur ATM charges if you use an ATM located at one of our branch locations.
Open an Account Today
Contact our team today to open a personal checking account and discover the perks that come with it!