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See below to find out which one of NBC’s checking products will best suit your needs!

Freedom Checking

Put your money to work with a Freedom Checking interest-bearing account and earn while you spend! This gives you the flexibility to withdraw, deposit, and earn more when compared to a basic checking account.

Plus, get a free VISA debit card with check images included in your monthly statement!

  • Earns 2.00% APY1 when qualifications are met on up to $20,000
  • Earn a refund2 on your Foreign ATM Charges
  • FREE access to Online and Mobile Banking3

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1APY = Annual Percentage Yield. Interest rate to earn stated APY of 2.00% is 1.98% and is paid on balances up to $20,000. Any balance over $20,000 earns an interest rate of 0.20% and the APY will range from 2.00% to 0.34% APY depending upon the balance in the account. E-statements, and at least one Direct Deposit and 10 debit card swipes to the account per month (posted and cleared) are required to qualify. If qualifications are not met, the interest rate and APY will be 0.20% on all balances. Fees may reduce earnings. Minimum balance required to open the account is $50. Rate is effective 05/24/2023. 2Monthly refunded amount on non-NBC ATM surcharges up to $20 per month.

Basic Checking

This account is our go-to checking account1. It is only $50 to open! You get unlimited check writing and withdrawals, a free VISA debit card, and we still include your check images in your statement – for free! It’s that straightforward… no secret hoops to jump through here!

Other benefits of this account include:

  • FREE access to Online and Mobile Banking2
  • UNLIMITED bill payments
  • Optional E-statements
  • Overdraft coverage3

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1 Overdraft/returned item charges may apply. If monthly average balance falls below $250.00 a $4.00 monthly fee will be assessed. 2 Standard messaging, internet and data rates may apply. 3 Subject to credit approval. Fixed rate. Rate will be applied to the amount used.

NOW Checking

A NOW account is the next step up from our Basic account. However, our NOW Checking Account requires a $1,000 minimum balance4. Similar to our Basic Checking, it includes unlimited check writing and withdrawals, a free VISA debit card, and you still get your check images included in your monthly statement – for free!

Additional benefits of this account include:

  • Earns an interest rate of 0.05% APR and 0.05% APY5
  • FREE access to Online and Mobile Banking2
  • UNLIMITED bill payments
  • Optional E-statements

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2 Standard messaging, internet and data rates may apply. 4 Monthly service charge of $5.00 if minimum balance is not maintained. 5 APR= Annual percentage rate. APY= Annual percentage yield. Interest rate may change without notice. Fees could reduce earnings on the account. Minimum balance required to obtain current APY.

Money Market

NBC’s Money Market accounts are designed for those who will carry a high balance and want to earn interest while still having access to their money when they need it. It is $2,500 to open and also has the benefits of a free VISA debit card, free check images returned with your statements, and unlimited check writing to yourself!

Balance

Interest Rate

Annual Percentage Yield6

$2,500.00 - $50,000.00

0.05%

0.05%

$50,000.01 - $250,000.00

0.05%

0.05%

$250,000.01 - $500,000.00

0.10%

0.10%

$500,000.01 - $1,000,000.00

0.10%

0.10%

>  $1,000,000.00

0.15%

0.15%

Additional benefits include:

  • FREE access to Online and Mobile Banking2
  • UNLIMITED bill payments
  • Optional E-statements
  • Can be opened for Personal or Business Accounts

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2 Standard messaging, internet and data rates may apply. 6 Rates effective - 06-05-2023. Interest rate may change without notice after the account is opened. Fees could reduce earnings on the account. Minimum balance required to obtain current APY. Minimum of $2,500 required to obtain APY.

Mobile Banking

Enjoy the convenience and flexibility of managing your finances from wherever you are!


Overdraft Coverage

Take control of your finances through Overdraft Protection!


Auto Loans

Did you know you can get your car or truck loan from your local bank!? What about your RV, four-wheeler, or snowmobile!? Learn more here!


Mortgage Loans

Make your Dream home a Reality with a Personal Mortgage from NBC!

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