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Main Office: (518) 731-6161

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

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

Open Account NOW 

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 0.10% APR and 0.10% APY5
  • FREE access to Online and Mobile Banking2
  • UNLIMITED bill payments
  • Optional E-statements

Open Account NOW 

Money Market

NBC’s Money Market6 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 Yield

$2,500.00 - $50,000.00

0.20%

0.20%

$50,000.01 - $250,000.00

0.40%

0.40%

$250,000.01 - $500,000.00

0.75%

0.75%

$500,000.01 - $1,000,000.00

1.00%

1.01%

>  $1,000,000.00

1.15%

1.16%

Additional benefits include:

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

Open Account NOW 

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 snow mobile!? Learn more here!


Mortgage Loans

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

1Overdraft/returned item charges may apply. If monthly average balance falls below $250.00 a $4.00 monthly fee will be assessed. 2Standard messaging, internet and data rates may apply. 3Subject to credit approval. Fixed rate. Rate will be applied to the amount used. 4Monthly service charge of $5.00 if minimum balance is not maintained. 5APR= 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. 6Due to Reg D limitations, during any month, you may not make more than 6 withdrawals or transfers from a money market to another bank account of yours or to a third party by means of a preauthorized or automatic transfer, telephone transfer, online banking transfer, or similar transaction. Failure to comply will result in a $10.00 fee per item over the 6 item limit. Rates effective - 07-16-2019

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