At Nantahala Bank & Trust Company, our approach to banking is to treat customers as friends and neighbors. That means providing the financial help you need through effective, yet uncomplicated, products and sound, basic advice. It also means doing whatever we can to make you feel welcome and appreciated every time you call or visit. In the products and services described below, you’ll see the results of our continuing efforts to make your banking simple and convenient. Because we believe that simple banking is better banking. And Better Banking Begins Here.
All of our checking accounts have been designed to offer a solid combination of value and convenience. You can open any account with as little as $100, and each comes with a strong list of standard features, including:
• Unlimited check writing
• Free Visa debit card
• Free Online Banking and Bill Pay
• Check images included with statement
• Unlimited Nantahala Bank ATM transactions
• Free 24-hour telephone banking.
Relationship Checking
Our most popular account package earns interest and includes a wealth of valuable benefits.
• Tiered interest rates that increase with your balances
• Free wallet-style checks or $6 credit on other styles
• Up to 4 free non-Nantahala ATM transactions per month
• Periodic CD bonus rates
• 1/4% consumer loan discount when payments are set up on auto-draft from a Nantahala account*
• No-fee official checks
• Free 3x5 safe deposit box (subject to availability)
• No monthly service charge with a $2,500 minimum balance or $5,000 in combined deposits or a home equity line of $10,000 or higher; otherwise $15
Relationship 50 Checking
Exclusively for those age 50 or better, this account offers the same great features as Relationship Checking and more.
• No-penalty CD withdrawals for medical emergencies
• No monthly service charge with a $2,500 minimum balance or $5,000 in combined deposits or a home equity line of $10,000 or higher; otherwise $12
Investment Checking
For those who maintain higher balances, Investment Checking offers higher rewards.
• Tiered interest rates that increase with your balances
• Free customized checks
• Periodic CD bonus rates
• Unlimited Nantahala and non-Nantahala ATM transactions
• 1/4% consumer loan discount when payments set up on auto-draft from a Nantahala account*
• No-fee official checks
• Free 3x5 safe deposit box (subject to availability)
• No monthly service charge with a $10,000 minimum balance; otherwise $25
Nantahala 50
Over 50 and on the go? This free account was designed just for you.
• No minimum balance
• Free customized checks
• No-fee official checks.
Free Checking
This basic account includes all of our standard checking features without service charges or balance requirements.
• No minimum balance
• No monthly service charge
• Free first order of basic checks.
Overdraft Protection
We can offer you the privacy and convenience of a personal line of credit through your regular checking account, subject to credit approval. You can use it to protect yourself against accidental overdrafts or for an instant loan when you need cash. Either way, you never pay for it until you use it. Ask us for details.
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Money Market
Offering the higher returns of tiered money market interest rates, this account also gives you the flexibility and convenience of a checking account.
• $1,000 to open • Interest paid on daily collected balances
• Tiered interest rates that increase with your balances
• Free customized checks
• Federal regulation limits third-party or pre-authorized transfers or transfers made by telephone or personal computer to six per statement cycle, no more than three of which may be by check, draft, or debit card; excessive fee $5 each
• Unlimited over-the-counter withdrawals
• No monthly service charge with a $1,000 minimum balance; otherwise $10
Relationship Money Market
We took our regular Money Market and made it even more rewarding for those who have a relationship with our bank and maintain balances of $25,000 or higher.
• $25,000 to open
• Interest paid on daily collected balances
• Tiered interest rates that increase with your balances
• Free customized checks
• Federal regulation limits third-party or preauthorized transfers or transfers made by telephone or personal computer to six per statement cycle, no more than three of which may be by check, draft, or debit card; excessive fee $5 each
• No monthly service charge with a $25,000 minimum balance or a checking relationship with $2,500 minimum balance or a $5,000 combined relationship in other accounts; otherwise $25
• Unlimited over-the-counter withdrawals.
Statement Savings
This account earns competitive interest and features lower balance requirements than our money market accounts.
• $100 to open and to earn interest
• $100 minimum daily balance required to earn interest
• Up to 6 free withdrawals per quarter (certain restrictions apply); $2 each thereafter
• Statement issued quarterly
• No quarterly fee with $100 minimum balance; otherwise $5
IRAs
Providing for retirement is an important job, and we can help make it easier and more profitable. Let us assist you in choosing the retirement plan that works best for you.
• $500 to open
• Variety of terms available
• Automatic certificate renewal
• Add-on feature available .
CDs
Our FDIC-insured CDs are available in a variety of terms, all with affordable minimum balances. Whether you have short - or long-term investment goals, we have a CD to help you achieve them.
• $500 to open
• Terms from 3 to 60 months
• Interest compounded daily and may be added back to the CD or deposited to another Nantahala account
• Automatic renewal option available
• Penalty for early withdrawal
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Loans and Lines of Credit
When you need to borrow, consider Nantahala your first source for flexible terms and competitive rates. We can help you with a wide range of secured loans for cars, boats and other vehicles as well as with unsecured loans for other special needs.* We also offer home equity lines of credit and a wide range of real estate financing, including:
• First and second mortgages
• Lot loans
• Construction/permanent loans
• Loans for investment property
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Visa Debit Card
Use this card to withdraw funds from your checking or savings account without ever having to write a check. And because it’s welcome wherever Visa is accepted, every purchase is as easy as using a credit card.
Internet Banking /Bill Pay
Instead of making trips to the bank, our free Internet Banking service enables you to do your banking at any time simply by logging onto your computer. With a few quick keystrokes you can:
• Check account balances
• Transfer funds between accounts
• See the latest activity on your account
• View posted transactions
• Take advantage of our optional free Bill Payment service.
*subject to credit approval
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