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Security Bank of Kansas City
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Personal Checking

Personal Checking¹

We have an account for your lifestyle. Choose the account that best serves your needs.

New Leaf Account
Are you looking to turn over a New Leaf? Our Checkless Checking Account is all-electronic. No Check Writing. No Overdraft Fees. No Hassle. See what our New Leaf Account has to offer.

New Leaf Account Includes:

No Check Writing2
Checks are not allowed on this account. 
 
Bank Anywhere3
Mobile-Online Banking and Bill Pay

ATM Fee Refunds4
Up to $15 in Domestic ATM Refunds

Express Debit Card5
No Waiting for a Card (In-Banking Center Only)

eStatement Savings6
Free Electronic Statements

No Overdraft Fees
No Return Item (NSF) Fees
 
 
Minimum Opening Deposit:  $25
No Dormant Fees
No Account Closing Fee
Monthly Service Charge:  $5   
(Monthly Service Charge waived for primary account owners age 23 & under)

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Green Leaf Account
Are you looking for a basic checking account that works for you? Here is what our Green Leaf Account has to offer.
 
Green Leaf Account Includes:
 
Bank Anywhere3
Mobile-Online Banking and Bill Pay

ATM Fee Refunds4
Up to $15 in Domestic ATM Refunds

Express Debit Card5
No Waiting for a Card (In-Banking Center Only)

eStatement Savings6
Free Electronic Statements

 
Minimum Opening Deposit:  $25
Minimum Balance Service Charge:  $7   
(Monthly Minimum Balance Service Charge Waived With a $100 Average Collected Balance Each Statement Cycle)

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Gold Leaf Account
Are you looking for ways to make your life easier? From cell phone protection to roadside assistance to discounts on things you love, our Gold Leaf Account is right for you. 
 
Gold Leaf Account Includes:


Bank Anywhere3
Mobile-Online Banking and Bill Pay

ATM Fee Refunds4
Up to $15 in Domestic ATM Refunds

Express Debit Card5
No Waiting for a Card (In-Banking Center Only)

eStatement Savings6
Free Electronic Statements

Cell Phone Protection7
Protection if Your Phone is Broken/Stolen

ID Theft Aid7
Help Restore Your Identity if it's Ever Stolen

Security Bank Rewards App7
Discounts on Shopping, Dining, Travel, etc.

Health Service Discounts7
Save on Prescriptions, Eye Exam Services, etc.

$10,000 Travel Accidental Death Coverage7
Peace of Mind When You're Away

Roadside Assistance7
Easy to Use and Available 24/7


Minimum Opening Deposit:  $25
Monthly Service Charge:  $6   

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Platinum Leaf Account

3.56% APY8

 
 
Put your money to good use with our high interest8 Platinum Leaf Account and enjoy these other benefits!

 
Platinum Leaf Account Includes:
 
 
Bank Anywhere3
Mobile-Online Banking and Bill Pay

ATM Fee Refunds4
Up to $15 in Domestic ATM Refunds

Express Debit Card5
No Waiting for a Card (In-Banking Center Only)

eStatement Savings6
Free Electronic Statements
 
Tiered Interest Earnings8
Click Here for Current Rates
 
 
Minimum Opening Deposit:  $25
Minimum Balance Service Charge:  $7
(Monthly Minimum Balance Service Charge Waived With a $2,500 Average Collected Balance Each Statement Cycle)

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 COMPARE SIDE BY SIDE
Minimum Opening Deposit $25 $25 $25 $25
Bank Anywhere3
(Card Controls, Account Alerts, Mobile Banking, etc.)
ATM Fee Refunds4
Express Debit Card5
eStatement Savings6
NexGen Benefits
(Age 23 & Under)

No Overdraft
or Return Item (NSF) Fees


Check Writing
SBKC Rewards Program



Interest Bearing

3.56% APY8


Monthly or Minimum Balance Service Charge
$7
Waived with a $2,500 average collected balance each statement cycle.
 $6
$7
Waived with a $100 average collected balance each statement cycle OR for primary account owners age 23 & under.
$5
Waived for primary account owners age 23 & under.



1 Age 17 and under requires adult (18+) as joint owner.
2 Checks, (other than those initiated through our online/mobile Bill Pay Service) whether presented on paper or electronically may not be written or drawn on this Account even if there are sufficient funds in the Account. You may not order checks from any source.
3 Enrollment in Online Banking required.
4 To qualify for a refund of up to $15 in domestic ATM fees each monthly statement cycle you must: 1) Conduct at least 15 settled and posted debit card transactions, excluding ATM transactions; AND 2) Have at least one (1) settled and posted Automated Clearing House (ACH) credit or one (1) ACH debit; AND 3) Receive an Electronic Statement (eStatement). Online Banking enrollment required to self-enroll in eStatements.  Must be at least 14 years old to be eligible for a debit card.
5 In Banking Center only. Must be at least 14 years old.
6 If your email address becomes invalid and/or eStatement is undeliverable, account will be changed to receive paper statements by mail and a $3 Paper Statement Fee ($2 for New Leaf Account) will be assessed each statement cycle.
7 Security Bank Rewards are provided by BaZing. All BaZing products and benefits are subject to additional terms and conditions. Insurance products are NOT A DEPOSIT, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT OR AGENCY, and NOT GUARENTEED BY THE BANK. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.
8 APY = Annual Percentage Yield.  APY assumes principal and interest remain on deposit for at least one year.  To qualify for interest on this account each monthly statement cycle you must:  1) Conduct at least 15 settled and posted debit card transactions, excluding ATM transactions; AND 2) Have at least one settled and posted Automated Clearing House (ACH) credit or ACH debit; AND 3) Receive an Electronic Statement (eStatement).  Online Banking enrollment required to self-enroll in eStatements.  When requirements are not met, the interest rate and APY earned on the account’s entire balance will be 0.00%. For daily balances up to $50,000.99 the APY is 3.56% based on a rate of 3.50%.  For daily balances $50,001 or greater the APY ranges from 3.56% to 1.83% based on a rate of 0.10%. The APY range disclosed assumes a maximum account balance of $100,000.  The daily balance is the balance at the end of each business day after all credits and debits for the account are applied.  Rates are accurate as of 4/16/2024, are variable, and subject to change without notice including after account opening.  Withdrawals and fees will reduce earnings. Interest is compounded and credited monthly.  Must be at least 14 years old to be eligible for a debit card.