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Security National Bank of Omaha Review

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Security National Bank of Omaha Savings
0.27% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Established in 1964, Security National Bank of Omaha has $858 million in assets as well as deposits totaling $713 million, which makes the institution a medium-size bank. Security National Bank of Omaha, whose headquarters are in Omaha, Nebraska, lacks premium access to customer service, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. With an average 3.9 out of 5 stars, Security National Bank of Omaha proves it is a respectable bank that should be given a look. Security National Bank of Omaha provides customers with a full choice of banking products, which include savings accounts, checking accounts, money market accounts, CDs, mortgage products and credit cards. Security National Bank of Omaha has a fair savings rate; other popular banks have higher rates. The bank's standard checking product features a $3.95 monthly fee, although banks sometimes have requirements that allow you to waive the fee. Finding a bank with free checking, in addition to a high interest rate savings account is your best option for accruing the most income from your deposits while having convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

3.9/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

3.7
SmartAsset Average: 3.5

Security National Bank of Omaha has a savings rate of 0.27%, which is fair compared to other U.S. banks. Security National Bank of Omaha's one-year and five-year term lengths CDs earn at a rate of 0.90% and 1.13%, respectively, while its highest-yielding money market account has an APY of 0.34%. Given Security National Bank of Omaha's noncompetitive savings rate, you should consider looking elsewhere to open savings accounts.

How Security National Bank of Omaha's Savings Rates Compare

Security National Bank of Omaha Savings 0.27 National Average 0.26 Compare Offers
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Fees

3.0
SmartAsset Average: 4.4

Security National Bank of Omaha generally has high fees in comparison to other U.S. banks. At $3.95 per month, Security National Bank of Omaha's checking account is not the best product for those who want an easy checking account. Security National Bank of Omaha does not refund out-of-network ATM fees, which means you'll need to search for a Security National Bank of Omaha ATM or pay the withdrawal fee.

Monthly Fee $3.95 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

4.0
SmartAsset Average: 3.7

Security National Bank of Omaha is a brick-and-mortar bank, with 15 total branches in Iowa and Nebraska. It also offers access to mobile and web apps for a simple mobile-banking experience. It does not offer all-day customer service with actual service representatives. You can get help during its customer service hours, which are Monday through Friday, 8:30 a.m. to 5:30 p.m. CT; Saturday, and 9:00 a.m. to 12:00 p.m. CT. Security National Bank of Omaha's online and mobile banking platforms get fairly high scores from users. The Security National Bank of Omaha mobile app scored a 4.1 out of 5 (with 27 reviews on Apple and Android) compared to the national average of 3.8. You can use Security National Bank of Omaha's mobile app to control your finances by checking current statements, transferring money and accessing support representatives. Security National Bank of Omaha gets a superb consumer satisfaction rating due to relatively few consumer complaints registered with the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 4.1/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

5.0
SmartAsset Average: 4.8

Security National Bank of Omaha is a medium-size bank and has assets totaling $858 million and deposits totaling $713 million. Its Texas Ratio is 0.61%, suggesting a minute probability of failure. Additionally, Security National Bank of Omaha is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Security National Bank of Omaha to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.27% APY $100
Checking Account 0.15% APY $1500
Certificates of Deposit
  • 12 Month: 0.90% APY
  • 24 Month: 0.58% APY
  • 48 Month: 0.98% APY
  • 60 Month: 1.13% APY
$10000 for all terms
Money Market Account 0.34% APY $10000

Security National Bank of Omaha offers several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Security National Bank of Omaha does not have the best savings rate, which means you should consider taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Security National Bank of Omaha's CD rates are fair compared to the national average.

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Find a Security National Bank of Omaha Near Me

Security National Bank of Omaha has 15 physical locations in the U.S.

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