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