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

Free Checking

Statement

 Checking

Interest

 Checking

50+

 Checking

Description

An easy, convenient online account with no balance requirements or monthly service charges. Must enroll in electronic statements

An account for  those who prefer paper statements, with no balance requirements.  $3 monthly statement fee.

Our most popular interest bearing checking which includes the perks you expect with tiered rates.

For our customers who are 50 or better, with no balance requirement. $3 monthly statement fee.

Additional Features

  • Up to 4 Free non-NBT ATM transactions (this does not include fees charged by a non-NBT ATM Servicer)
  • Once enrolled in eStatements, no monthly fee
  • Up to 4 Free non-NBT ATM transactions (this does not include fees charged by a non-NBT ATM Servicer)
  • Paper statements with images, $3 per month
  • 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 paper statements
  • Up to 4 Free non-NBT ATM transactions (this does not include fees charged by a non-NBT ATM Servicer)
  • Free first order of checks
  • Free custom checks
  • Paper statements with images, $3 per month

Minimum to Open

$100

$100

$1,000

$100

Interest Bearing

No

No

Yes

No

Minimum Balance Fee

None

None

$10

None

Balance to Avoid Minimum Balance Fee

No Minimum Balance Fee

No Minimum Balance Fee

$1,000.00

No Minimum Balance Fee

Account Monthly Fee

$0

$3

$0

$3

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

Free Checking

This basic account is free of balance requirements and service charges.  Must enroll in eStatements. 

Features

  • $100 minimum to open
  • Online Banking / Mobile Banking with BillPay
  • 24-hour Telephone Banking
  • Unlimited Check Writing
  • 24-hour Nantahala Bank ATM Transactions
  • Up to 4 free non-Nantahala ATM transactions per month

Statement Checking

For those who prefer paper statements and no monthly balance requirements.

Features

  • $100 minimum to open
  • Online Banking / Mobile Banking with BillPay
  • 24-hour Telephone Banking
  • Unlimited Check Writing
  • 24-hour Nantahala Bank ATM Transactions
  • Up to 4 free non-Nantahala ATM transactions per month
  • $3 monthly paper statement fee

Interest Checking

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

Features

  • $1,000 minimum to open
  • Online Banking / Mobile Banking with BillPay
  • 24-hour Telephone Banking
  • Unlimited Check Writing
  • 24-hour Nantahala Bank ATM Transactions
  • $10 monthly service charge waived with a $1,000 minimum daily balance 
  • Tiered interest rates
  • Free official checks
  • Free paper statements

50+ Checking

Exclusively for those age 50 or better, this account offers comparable features as Free Checking and more.

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 official checks
  • $3 monthly paper statement fee

 

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