deposits

deposits

It is National Banks goal to provide you with a high level of service while maintaining personal attention to all your hometown banking needs. The following are some of the Checking and Savings Accounts we offer. Please contact a Customer Representative at 800-717-3991 for additional information. Click Here to open a new personal checking or savings account.


Personal and Business Checking and Savings Account


Non-Interest Bearing Checking


Interest Bearing Checking


Savings Accounts


Budget Checking...

  • $100 minimum to open
  • No charge if daily average balance is $250 or greater. Less than $250, $3 charge per statement cycle. (waived for full time students up to the age of 23 with proof of enrollment)*
  • Unlimited check writing
  • ATM/Visa Check card available
  • Electronic detailed monthly statement with images**
  • 1st 50 checks free
  • Online banking access
  • In-Touch24 toll free phone banking
  • Discretionary Overdraft Privilege

Click here for "What you need to know about Overdrafts and Overdraft Fees"

* Statement cycle dates may vary, ask us when your statement cycle will be.

**Additional monthly charge of $2 for paper statement fee.


Regular Checking...

  • $100 to open
  • $5.00 monthly service charge if the following requirements are not met: 12 posted Debit Card transactions per statement cycle (not including ATM withdrawals), 1 direct deposit per statement cycle and 3 electronic payments (includes bill pay items) per statement cycle. Debit Card and electronic bill pay transactions are counted on the day the transaction is posted and cleared.*
  • Unlimited check writing
  • ATM/ Visa check card
  • Electronic detailed monthly statements with images**
  • 1st 50 checks free
  • Foreign ATM fees waived up to $10 per statement cycle
  • Overdraft forgiveness (1 per calendar quarter upon request)
  • Free mobile deposit (application required)
  • Online banking access
  • In-Touch24 toll free phone banking
  • Discretionary Overdraft Privilege

Click here for "What you need to know about Overdrafts and Overdraft Fees"

* Statement cycle dates may vary, ask us when your statement cycle will be.

**Additional monthly charge of $2 for paper statement fee.


Prime Time Checking...

  • Age requirement of 55 or older
  • $100.00 minimum to open
  • $3.00 monthly service charge each statement cycle (Fee waived if more than $25,000 in combined personal account balances with NB)*
  • Unlimited check writing
  • Visa/ATM Check Card available
  • Detailed Electronic Monthly statement with images**
  • FREE Stop Pays/Official Checks/copies/faxes/telephone transfers
  • NO FEE for License Stickers
  • FREE 2 boxes of checks per year
  • Rate Increase of 0.10% on posted CD rates (interest added on or deposited to a NB checking or savings account) upon request
  • Online\Mobile Banking Access
  • In-Touch24 toll free phone banking
  • Discretionary Overdraft Privilege

Click here for “What you need to know about Overdrafts and Overdraft Fees”

* Statement cycle dates may vary, ask us when your statement cycle will be.

**Additional monthly charge of $2 for paper statement fee.


Business Checking…

  • $100 to open
  • No monthly service charge for less than 150 items
  • $10.00 monthly service charge on 150 items or more per statement cycle*
  • Additional $0.15 cents per item on 150 or more per statement cycle*
  • Electronic detailed statement with images**
  • First order of general purpose checks free or up to $100 credit towards checks purchased
  • Visa Debit Card
  • Online banking access
  • In-Touch24 toll free phone banking
  • Discretionary Overdraft Privilege available for sole proprietors

Click here for "What you need to know about Overdrafts and Overdraft Fees"

* Statement cycle dates may vary, ask us when your statement cycle will be.

**Additional monthly charge of $2 for paper statement fee


Premier Checking…

  • $1,500 minimum to open
  • $15.00 monthly service charge if average daily balance falls below $1,500 per statement cycle*
  • Interest Bearing -Tiered Rate - Click here for Rates
  • Unlimited check writing
  • ATM/Visa Check card
  • Electronic detailed monthly statement with images**
  • 1st order of custom checks free
  • Rate Increase of 0.10% on posted CD rates (interest added on or deposited to a NB checking or savings account) upon request
  • Discretionary Overdraft Privilege
  • Online banking access
  • In-Touch24 toll free phone banking

Click here for "What you need to know about Overdrafts and Overdraft Fees"

* Fees may reduce earnings.

**Additional monthly charge of $2 for paper statement fee. Statement cycle dates may vary, ask us when your statement cycle will be.


Money Market Checking…

  • $2,500 minimum to open
  • $10.00 monthly charge if average daily balance falls below $2,500 per statement cycle*
  • Transactions limitations
  • Electronic detailed monthly statement with images**
  • Interest Bearing-Tiered Rate - Click here for Rates
  • Free Money Market checks
  • Online banking access
  • In-Touch24 toll free phone banking

* Fees may reduce earnings.

**Additional monthly charge of $2 for paper statement fee. Statement cycle dates may vary, ask us when your statement cycle will be.


Business Money Market…

  • $2,500 to open
  • $10.00 monthly service charge if average daily balance falls below $2,500 per statement cycle*
  • Transaction Limitations
  • Interest Bearing-Tiered Rate - Click here for Rates
  • Electronic detailed statements with images**
  • Free Money Market Checks
  • Online banking access
  • In-Touch24 toll free phone banking

* Fees may reduce earnings.

**Additional monthly charge of $2 for paper statement fee. Statement cycle dates may vary, ask us when your statement cycle will be.


Business Interest Checking…

  • $1,000 to open
  • $10 monthly service charge if balance falls below $1,000 per statement cycle*
  • No monthly service charge for less than 150 items
  • $10.00 monthly service charge for 150 items or more per statement cycle*
  • Additional $0.15 cents per item on 150 or more per statement cycle*
  • Electronic detailed statement with images**
  • Interest Bearing-Tiered Rate - Click here for Rates
  • First order of general purpose checks free or up to $100 credit towards checks purchased
  • Visa Debit Card
  • Online banking access
  • In-Touch24 toll free phone banking
  • Discretionary Overdraft Privilege available for sole proprietors

Click here for "What you need to know about Overdrafts and Overdraft Fees"

* Fees may reduce earnings.

**Additional monthly charge of $2 for paper statement fee. Statement cycle dates may vary, ask us when your statement cycle will be.


Public Funds Checking…

  • $1,000 to open
  • No monthly service charge
  • Interest Bearing-Tiered Rate - Click here for Rates
  • Electronic detailed statement with images*
  • First order of general purpose checks free or up to $100 credit towards checks purchased
  • Online banking access
  • Visa Debit Card
  • In-Touch24 toll free phone banking

*Additional monthly charge of $2 for paper statement fee. Statement cycle dates may vary, ask us when your statement cycle will be.

Statement Savings Accounts....

  • $100 minimum to open
  • Over $200 minimum daily balance required to earn interest
  • Interest Bearing-Tiered Rate - Click here for Rates
  • Transaction limitations
  • Online banking access
  • In-Touch24 toll free phone banking
  • $.50 fee per withdrawal in excess of 10 per month, if performed by a teller*
  • Quarterly electronic detailed statements unless combined with a NB checking account or electronic transfer has occurred**
  • ATM Card
  • Direct Deposits

* Fees may reduce earnings.

**Additional quarterly or monthly charge of $2 for paper statement fee. Statement cycle dates may vary, ask us when your statement cycle will be.


Christmas Club…

  • $1.00 to open
  • No withdrawals allowed
  • Online banking access
  • Direct deposits/ Internal transfers
  • Deposits can be made at anytime
  • If closed prior to October, must have approval and all interest is forfeited
  • Early closing fee of $25.00
  • Interest is credited when club pays out in October - Click here for Rates
  • Deposit slips provided
  • $5.00 fee for Christmas Club disbursements issued by bank check*
  • Quarterly electronic statements unless combined with a NB checking account or electronic transfer has occurred**

* Fees may reduce earnings.

**Additional quarterly or monthly charge of $2 for paper statement fee. Statement cycle dates may vary, ask us when your statement cycle will be.


Just 4 You…

  • $1.00 to open
  • No withdrawals allowed
  • Online banking access
  • Direct deposits/ Internal transfers
  • Deposits can be made at anytime
  • If closed prior to May, must have approval and all interest is forfeited
  • Early closing fee of $25.00
  • Interest is credited when club pays out in May - Click here for Rates
  • Deposit slips provided
  • $5.00 fee for Just 4 You disbursements issued by bank check*
  • Quarterly electronic statements unless combined with a NB checking account or electronic transfer has occurred**

* Fees may reduce earnings.

**Additional quarterly or monthly charge of $2 for paper statement fee. Statement cycle dates may vary, ask us when your statement cycle will be.


KID$ Club Savings…

  • For those 17 and younger
  • $1.00 minimum to open
  • Interest earned on any balance
  • Rate increase of .05% over posted normal savings rate
  • Transaction Limitations
  • Online\Mobile Banking Access
  • Converts to normal savings at age18
  • Adult joint account holder required
  • In-Touch24 toll free phone banking
  • Quarterly detailed electronic statements unless combined with a NB checking account or electronic transfer has occurred*

*Additional quarterly or monthly charge of $2 for paper statement fee. Statement cycle dates may vary, ask us when your statement cycle will be. Fees may reduce earnings.


Certificate of Deposits…

  • $1,000 minimum
  • Terms - 3, 6, 12, 18, 24, 30, 36, 48, 60 months Interest can be automatically deposited to a
  • National Bank checking or saving account, added back to the CD or sent by check
  • Penalty for early withdrawal
  • Interest compounded daily - Click here for Rates

Health Savings Account…

  • $50.00 minimum to open
  • Set up fee of $25.00
  • Monthly service fee of $2.00*
  • $25.00 transfer fee to another institution
  • Earns interest - Click here for Rates
  • Long term savings
  • Reduce insurance premiums
  • Tax Savings
  • For more information - Click here

*Fees may reduce earnings. Statement cycle dates may vary. Ask us when your statement cycle will be.


IRA…