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Between spending time with friends and caring for your family, finding ways to save isn’t easy. Until now. Save money automatically with a free Interest Reward Saver account! Link free Interest Reward Checking or Cash Back Checking to Interest Reward Saver for automatic rewards transfers. So you can set money aside — without feeling the financial pinch. Earning high interest on all balances at a tiered rate, you’ll reach your savings goals even sooner. Start saving today!


  • Free account that builds your savings effortlessly
  • Tiered Rate Interest Bearing Savings Account:
    • 1.25% APY* on balances under $10,000
    • 1.44% Interest Rate and 1.45% APY* on balances from $10,000 to $99,999.99
    • 1.64% Interest Rate and 1.65% APY* on balances over $100,000
  • Links to free Interest Reward or Cash Back checking
  • Automatic transfers of Interest Reward or Cash Back earnings to Interest Reward Saver
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking
  • Free eStatements
  • Free mobile banking
  • $100 minimum deposit to open

“Monthly Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. “Statement Cycle” means the period of time for which Security State Bank provides a summary of the financial activities and   transactions that post and settle to the accountholder’s account. See our website or contact one of our financial service representatives for specific Statement Cycle dates.  “Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.

Interest Reward Checking: Balances up to $10,000 receive a non-compounding APY* of 5.00%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a non-compounding range from 5.00% to 0.25% APY* depending on the account’s balance per Monthly Cycle. Cash Back Checking: A maximum of $6 cash back ($0.25 per transaction) may be earned per Monthly Cycle based on each debit card transaction posting and settling to your account. Interest Reward: All balances, when qualifications are not met, earn a non-compounding APY* of 0.01%. Cash Back: No cash back payments are made when qualifications are not met. When linked to the Interest Reward Saver account, the interest earned within the Interest Reward Checking account does not compound since it is automatically transferred to the Interest Reward Saver account within one day. This automatic transfer may cause an overdraft to your Interest Rewards account if the account’s balance is less than the transferred amount when transfer occurs. APY* = Annual Percentage Yield.  APY* is accurate as of 02/09/2023. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, requirements, limits, timeframes, enrollments, and other requirements apply. $100 minimum deposit is required to open the account. Requirements to receive the reward are receipt of electronic statements and 11 debit card purchases posting and settling to the account.  Limit one (1) account per individual taxpayer identification number. There are no recurring monthly service charges or fees to open, maintain, or close this account. Contact one of our bank financial service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.  Member FDIC.