Personal Banking

Let's Grow Together

We make being proactive with your finances easy! Our online and mobile banking app fits even the busiest of schedules, and our checking accounts come with a National Bank debit card for easy spending! We believe in helping those within our community; open an account today to see how We Put the Community in Banking!

As we continue to update & deliver the latest for our customers, make sure to check out our additional banking products.

Checking Accounts

Regular Checking

• Non Interest-Bearing Account

• Minimum Deposit to Open: $100

• Fees: (apply only to those under 65 years of age) A monthly maintenance fee of $3.00 will be charged, and each check/ ACH withdrawal will be charged a fee of $0.03 per item. A $0.10 credit will be given per $100 in average balance that is carried.

Example:
$3.00 (monthly maintenance fee)
+ $0.45 ($0.03 + 15 = $0.45 checks/ ACH Withdrawals)
- $1.50 ($0.10 + average balance of $1,500 = $1.50)
= $1.95 Total customer Charge

• Statements: Online statements available, paper statements will be mailed & distributed monthly.

Simple Checking

• Non Interest-Bearing Account

• Minimum Deposit to Open: $100

• Fees: A flat fee of $5.00 will be charged if the balance falls below $100 at any time during the statement cycle.

• Statements: Online statements available, paper statements will NOT be mailed or distributed. A fee of  $5.00 will be charged per statement upon request.

ECO Checking

• Non Interest-Bearing Account

• Minimum Deposit to Open: $50

• Transaction Limitations: No transactions by check or draft will be permitted from this account, only debit card transactions & online transfers/ bill pay (strictly electronic account).

• Fees: No monthly fees! 

• Statements: Online statements available, paper statements will NOT be mailed or distributed. A fee of  $5.00 will be charged per statement upon request.

NOW Account (Negotiable Order of Withdrawal)

• Interest-Bearing Account

• Minimum Deposit to Open: $1,000

• Fees: A flat fee of $5.00 will be charged if the balance falls below $1,000 at any time during the statement cycle.

• Statements: Online statements available, paper statements will be mailed & distributed monthly.

Money Market (Demand Deposit Account)

• Tiered Interest Earning

• Minimum Deposit to Open: $10,000

• Fees: A fee of $5.00 will be charged if the balance falls below $10,000 at any time during the statement cycle.  No more than 6 withdrawals per month are allowed on this account.  A $5.00 per item fee will be charged for any withdrawals over 6.

• Statements: Online statements available, paper statements will be mailed & distributed monthly.

Savings Accounts

Regular Savings

• Interest-bearing Account

• Minimum Deposit to Open: $300

• Fees: A flat fee of $6.00 will be charged if the balance falls below $100 any day of the statement cycle. An excessive withdrawal fee of $1.00 will be charged for each withdrawal in excess of 9 per quarter.

• Statements: Quarterly statements are available unless an ACH debit or credit has been charged to the account. If this is the case, a monthly statement will be issued.

Super Savers (Youth 0-18)

• Interest-bearing Account 

• Minimum Deposit to Open: $0

• Fees: An excessive withdrawal fee of $1.00 will be charged for each withdrawal in excess of 9 per quarter.

• Statements: Quarterly statements are available unless an ACH debit or credit has been charged to the account. If this is the case, a monthly statement will be issued.

Christmas Club

• Interest Bearing Account

• Minimum Deposit to Open: $1.00

• Transaction Limitations: No transactions by check or draft will be permitted from this account. Funds will be distributed annually or upon your request to close the account.

• Fees: No fees!

• Statements: Quarterly statements are available unless an ACH debit or credit has been charged to the account. If this is the case, a monthly statement will be issued.

*Notice: If any customer closes a new account within 60 days of opening the account, the customer will be charged a $25 closure fee. 

We offer our own level of extra protection, to help keep you safe from fraud and stolen identity. Give us a call and learn how you can be better protected, today!