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	Up to 4 Free non-NBT ATM transactions (this does not include fees charged by a non-NBT ATM Servicer) Free Official Checks	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	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
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 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
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 official checks