Services at National Bank
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 services we offer.
- In-Touch 24 Toll Free Phone Banking...
- Easy Switch Kit...
- Mobile Banking...
- Alpha Link Alliance...
- Convenient Check Reorder...
- Additional Services...
- Fee Schedule
- Important Information on Using you Debit Card
IN-Touch 24 Toll Free Phone Banking…
In-touch 24 hour banking 800-811-8134- Call for account information 24 hours a day 7 days a week. These options require a Personal Identification number (PIN). Here is the information available to you by using a touch-tone phone and easy to follow instructions:
- Current interest rate on deposit accounts,
- General bank information,
- Change your PIN,
- Ira account features,
- Report lost or stolen card
- Transfer funds between accounts
- Checking account information (reorder checks, current balance, checks paid since last statement, specific check paid, Deposit made since last statement, ATM/Check card transaction since last statement, Request Fax statement (fee charged), Interest paid),
- Saving Account information (current balance, recent deposits and withdrawals, last 6 electronic withdrawals, interest paid)
- CD’s (Current balances, interest paid, next maturity date)
- Loan Account * (Current balance, last payment amount/date, next payment amount/date, payoff, interest paid year to date, interest paid last year)
Easy Switch Kit…
This is how simple it is:
Items needed by National Bank-
- Information you have on all of your direct deposits and automatic payments
- direct deposits include - Social Security, Payroll, Pensions, earnings from investments
- automatic payments include - insurance, utilities, banks, credit cards
- Your last month’s bank statement
- Identifying information for all owners of the account
That’s it, bring these items to your nearest National Bank location and we will be happy to assist you in opening a new account with us and getting your automatic deposits and debits switched. We can also help you close your old account.
- Free Secure Email Statements
- Direct Deposit
- Safe Deposit Boxes
- Wire Transfers
- Master Card Gift Cards
- Cashier’s Checks\Money Orders
- Visa\ATM Check Card
- License Sticker Sales
- Merchant Remote Deposit Capture
Effective March 29, 2013
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
|Bill Pay (application required)||Free|
|Mobile Banking||a charge of .10¢ for each text in excess of 25 per month|
|Replace lost ATM card||$10.00|
|ATM Intertchange Fee (ATM cash withdrawal at ATM’s we do not own or operate)||$1.50|
|ATM Intertchange Fee (Transfer funds to another account at ATM’s we do not own or operate)||$.50|
|ATM Intertchange Fee (Balance Inquiry at ATM’s we do not own or operate)||$.50|
|*Check Printing||(fee depends on style of check ordered)|
|Personalized Savings Deposit/Withdrawal Slips||$7.00|
Dormant account fees:
All types of checking accounts are dormant if for two years no deposits or withdrawals are made by you, no communication is received about the account by you, no communication is received about any other of your accounts by you, or your account statements are returned for an incorrect address.
This fee is charged each month, but would be waived if the balance is $1,000.00 or more.
|Dormant account fee||$6.00|
Savings accounts are dormant if for three years no deposits or withdrawals are made by you, no communication is received about the account by you, no communication is received about any other of your accounts by you, or your account statements are returned for an incorrect address.
This fee is charged each statement cycle, but would be waived if the balance is $300.00 or more.
|Dormant account fee||$6.00|
Savings Accounts – a charge of .50¢ for each withdrawal in excess of 10 per month
|Overdraft-each overdraft paid||$28.00|
|Overdraft (maximum charge per day)||$112.00|
|Continuous overdraft after 10 days||$35.00|
|Nonsufficient funds (NSF)-each||$28.00|
|Nonsufficient funds (NSF) daily maximum||$112.00|
|Overdraft privilege (AOD) each||$28.00|
|Overdraft privilege (AOD) daily maximum||$112.00|
|UCF (Uncollected Funds) (AOD) Paid Item Fee||$28.00|
|UCF (Uncollected Funds) (AOD) Paid Item Fees daily maximum||$112.00|
|UCF (Uncollected Funds) Paid Item Fee||$28.00|
|UCF (Uncollected Funds) Paid Item Fees daily maximum||$112.00|
|UCF (Uncollected Funds) Return Item Fee||$28.00|
|UCF (Uncollected Funds) Return Item Fees daily maximum||$112.00|
|Automatic transfer from checking or savings to cover nonsufficient funds items (for exact amount of overdraft balance||$10.00|
|Account research||$30.00 per hour after the first 15 minutes|
|Account balancing assistance||$20.00 per hour after the first 15 minutes|
|*Telephone transfers (live)||$2.00|
|Stop payment renewal-each||$10.00|
Verbal stop payments are valid for 14 days; signed stop payments are valid for 6 months unless renewed
|Copies of imaged documents (two free per month)||$.50 each|
|Copies of account statements||$3.00|
|Outgoing||$2.50 per sheet|
|Incoming||$.50 per sheet|
|Lost loan payment book||$5.00|
|Safe deposit box rental||Each location has their own charges|
|Change lock fee for safety deposit box||The amount charge by locksmith, plus $20.00|
|Safe deposit box drilling||The amount charged by locksmith, plus $25.00|
|Night deposit bag||$20.00 for each bag in excess of one|
|Small zipper bags||$3.00 for each bag in excess of one|
Cashed or deposited items returned unpaid:
|(each item charged back)||$6.00|
|(each NSF item unable to charge back)||$28.00|
|NSF Loan Payment (each occurrence)||$28.00|
|HELOC Overlimit Charge (each occurrence)||$28.00|
|Garnishments/levies (each occurrence)||$60.00|
Accounts with a zero balance for 30 calendar days and accounts in an overdrawn status For 30 calendar days will be closed by the bank.
*Free or discounted for Club Account Members.
For additional information please call 800-717-3991 one of our Customer Service Representative will be happy to help you.
An Important Message to ATM & Debit Card Holders
Recently banks across the state have become aware of an increased number of unauthorized ATM and debit card transactions. Many of these have occurred out of state and out of the country. Additionally, a local retailer has just reported a breach of its computer systems, putting credit card information at risk. Our goal, quite simply, is to minimize your exposure to risk. To protect your account, we monitor your ATM and Debit card transactions for potentially fraudulent activity. We encourage you to do the same. Online and mobile banking make monitoring your account activity very easy. You can even set up alerts to notify you of activity on your accounts. If you have not signed up for online banking, we urge you to do so in order to monitor your own accounts. If you identify any fraudulent transactions, please contact us immediately. Remember, you do not have any liability for unauthorized transactions confirmed as part of a breach, provided that the transactions are reported within the required timeframe.
These other simple steps will help protect you:
- In stores and at ATMs, always cover your card and PIN.
- Watch for cell phone cameras, mirrors or other tools used to view cards and PINs.
- Be careful about allowing cashiers to take your card out of sight.
- When out-of-state, use your debit card for PIN-based transactions whenever possible. Signature-based transactions may be restricted in some cases.
If we suspect fraudulent ATM or debit card use, we will be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk. Whenever possible, someone from the bank will call you personally; however, there may be times when our call is an automated call which will ask you to verify recent transaction activity. You will be provided with a toll-free number to call should you have additional questions.
Again, please monitor your account activity and follow the tips to protect your information. Call us immediately if you suspect any fraud.
Report Lost or Stolen Cards during business hours 800-717-3991 after hours 800-811-8134 Option #3