🎄 Holiday Hours Reminder:
Christmas Eve: 8:30 AM–12 PM · Christmas Day: Closed · New Year’s Eve: 8:30 AM–5 PM · New Year’s Day: Closed. We will operate under normal business hours for the rest of 2025 unless otherwise noted. Thank you for banking with Nantahala Bank & Trust, and we wish you a safe and joyful holiday season!
Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Savings is our middle name. So, with our savings accounts you also get a MSA personal banker who is very knowledgeable and committed to helping you strengthen your savings habit and find the money in your budget to feed that new positive habit.
We call our accounts CRA (Community Reinvestment Accounts). We do everything we can to make sure your deposits are reinvested back into the communities from which they come.
We have complimentary programs and services to help you become a “Master Saver.” Adequate savings are the cornerstone for any sound personal financial plan. Get this step right and many other financial goals are within reach. Skipping this step jeopardizes many other long-term financial goals such as home ownership, funding education for children, saving for retirement, etc.
If you are a CAP member, our “Rainy Day Fund” savings account is a must. This exclusive account earns a significantly higher effective rate than a basic savings account only for our loyal CAP members.
If you are not a CAP member, call your “Trusted Local Advisor” and ask how you can become one today.
| Business Online Services | no | no |
no | ACH Manager / Payroll | $29.00 |
no | Remote Deposit / Merchant Capture | $29.00 |
no | Positive Pay | $29.00 |
no | Bundle 2 Services | $50.00 |
no | Bundle 3 Services | $75.00 |
| Check Cashing Fee, Non-Customer | no | $5.00 |
| Check Copies, per page | no | $2.00 |
| Collection (per item) | no | $25.00 |
| Copies, per page | no | $1.00 |
| Counter Checks per page | no | $1.00 |
| Debit Card Replacement | no | $5.00 |
| Deposit Correction | no | $5.00 |
| Deposit / Mortgage Verification | no | $10.00 |
| Dormant Account, per month | no | $5.00 |
| Early Closing of deposit acct. before 6 months | no | $25.00 |
| Failure to Provide Tax ID Number Within 30 Days | no | $10.00 |
| Fax, per page | no | $1.00 |
| Foreign Cash Letter Items | no | no |
no | Canadian, per check | $25.00 |
no | Other Countries, per check | $50.00 |
| Foreign Currency Exchange - up to $3,000 | no | $20.00 |
no | For Each Additional $1,000, add | $3.00 |
| IRA Transfer | no | $25.00 |
| Legal Processing, per hour | no | $50.00 |
| Online Loan Payment | Via ACH | $3.95 |
no | by Debit Card (Consumer) | $9.95 |
no | by Debit Card (Commercial) | 2.95% of |
no | by Credit Card (MasterCard & Discover only) | 2.95% |
| Mortgage Payoff Request | no | $20.00 |
| Multiple Statements, each | no | $5.00 |
| Nantahala Bank ATM fee (Non-Customer) | no | $4.50 |
| Non-Nantahala Bank ATM fee | no | $3.00 |
| *Non-Sufficient Funds per item/transaction | no | $29.00 |
| Official Checks | no | $5.00 |
| *Overdraft Fee per item/transaction (maximum of 5 fees per day) | no | $29.00 |
| Overnight Delivery Fee | no | no |
no | 2nd Day | $20.00 |
no | Next Day | $30.00 |
| Research | no | no |
no | Per hour | $25.00 |
no | Per copy | $2.00 |
| *Returned Deposited Item | no | $10.00 |
| Returned Mail - Undeliverable, After 1st Mailing | no | $5.00 |
| Safe Deposit Box | no | no |
no | 3x5 | $50.00 |
no | 3x10 | $75.00 |
no | 5x10 | $100.00 |
no | 10x10 | $150.00 |
| Safe Deposit Box Drilling | no | $250.00 |
| Safe Deposit Lost Key | no | $175.00 |
| Savings Bond Overnight Fee, not to exceed | no | $20.00 |
| Stop Payment Fee | no | $29.00 |
| Additional Copy/Interim Statement | no | $5.00 |
| Tax Levies or Garnishments | no | $25.00 |
| Telephone Initiated Transfer | no | $3.00 |
| Wire Transfers | no | no |
no | Domestic Incoming | $15.00 |
no | Domestic Outgoing | $25.00 |
no | Foreign Incoming | $15.00 |
no | Foreign Outgoing | $40.00 |
