Personal Checking Accounts

Get the account that's just right for you.

No two people are alike - everyone has their own specific needs. Some people do all their banking online, some like the personal touch of a teller's smile. But no matter what you prefer, we've got a checking account that perfectly suits your specific needs.

Questions?

Account Comparison

Account

eFreedom Checking

Nantahala 50 Checking

Relationship Checking

Investment Checking

Description

An easy, convenient online account with no balance requirements or monthly service charges with eStatement enrollment.

An account for our customers who are 50 or better that is with no balance requirements or monthly service charges.

Our most popular interest bearing checking which includes the perks you expect with a relationship.

Competitive interest rate for maintaining a higher balance in your account.

Additional Features

  • Up to 4 Free non-NBT ATM transactions (this does not include fees charged by a non-NBT ATM Servicer)
  • Free with eStatement; or $3 per month
  • Free Wallet-Style Checks (mailed to branch)
  • Up to 4 Free non-NBT ATM transactions (this does not include fees charged by a non-NBT ATM Servicer)
  • Free Official Checks
  • Free Wallet-Style Checks (mailed to branch)
  • Up to 4 Free non-NBT ATM transactions (this does not include fees charged by a non-NBT ATM Servicer)
  • Tiered interest rates that increase with your balances
  • Free Official Checks
  • Free Wallet-Style Checks (mailed to branch)
  • Unlimited ATM transactions (this does not include fees charged by a non-NBT ATM Servicer)
  • Tiered interest rates that increase with your balances
  • Free Official Checks

Minimum to Open

$100

$100

$100

$100

Interest Bearing

No

No

Yes

Yes, must meet minimum balance requirement to earn interest

Minimum Balance Fee

None

None

$15

$25

Balance to Avoid Minimum Balance Fee

No Minimum Balance Fee

No Minimum Balance Fee

$2,500
*or qualifying relationship

$10,000

Our Personal Checking Accounts include ALL of the following services:

  • Online Banking / Mobile Banking
  • Online BillPay
  • VISA Debit Card
  • Check Images included in Statement
  • 24-hour Telephone Banking
  • Unlimited Check Writing/Transactions
  • eStatements
  • Direct Deposit
  • Notary Services

*Qualifying relationship = a checking relationship with a $2,500 minimum daily balance, a $5,000 minimum combined daily balances in other accounts, or a home equity line balance of $10,000 or higher

Relationship Checking

Our most popular account package earns interest and includes a wealth of valuable benefits.

Features

  • Online Banking / Mobile Banking with BillPay
  • 24-hour Telephone Banking
  • Unlimited Check Writing
  • 24-hour Nantahala Bank ATM Transactions
  • Tiered interest rates that increase with your balances
  • Free wallet-style checks
  • Up to 4 free non-Nantahala ATM transactions per month
  • 0.25% consumer loan discount when payments are set up on auto-draft from a Nantahala account*
  • Free official checks
  • $15 monthly service charge waived with a $2,500 minimum daily balance or $5,000 in combined daily balance or a home equity line of $10,000 or higher

*subject to credit approval

eFreedom Checking

This basic account is free of balance requirements and service charges with eStatement enrollment.

Features

  • $100 minimum to open
  • Free with eStatement; or $3 per month
  • Online Banking / Mobile Banking with BillPay
  • 24-hour Telephone Banking
  • Unlimited Check Writing
  • 24-hour Nantahala Bank ATM Transactions

Relationship 50 Checking

Exclusively for those age 50 or better, this account offers the same great features as Relationship Checking and more.

Features

  • Online Banking / Mobile Banking with BillPay
  • 24-hour Telephone Banking
  • Unlimited Check Writing
  • 24-hour Nantahala Bank ATM Transactions
  • No-penalty CD withdrawals for medical emergencies
  • $12 monthly service charge waived with a $2,500 minimum daily balance or $5,000 in combined daily balance or a home equity line of $10,000 or higher
  • Free wallet-style checks
  • Free official checks

Investment Checking

Investment Checking offers rewards for those who maintain higher balances.

Features

  • Online Banking / Mobile Banking with BillPay
  • 24-hour Telephone Banking
  • Unlimited Check Writing
  • 24-hour Nantahala Bank ATM Transactions
  • Tiered interest rates that increase with your balances
  • Free wallet-style checks
  • Unlimited Nantahala and non-Nantahala ATM transactions
  • 1/4% consumer loan discount when payments set up on auto-draft from a Nantahala account*
  • Free official checks
  • $25 monthly service charge waived with a $10,000 minimum daily balance

*subject to credit approval

Nantahala 50

If you're over 50 and on the go, this free account was designed just for you.

Features

  • $100 minimum to open
  • Online Banking / Mobile Banking with BillPay
  • 24-hour Telephone Banking
  • Unlimited Check Writing
  • 24-hour Nantahala Bank ATM Transactions
  • Free wallet-style checks
  • Free official checks
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