🎄 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
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.
Select the products below to compare.
| Personal Checking | Personal Interest Checking | 50+ Checking | Veteran Checking | |
|---|---|---|---|---|
| Description | Banking made simple with no minimum balance. Get no monthly fee with electronic statements, or choose paper statements for $3/month. |
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 fee. |
We are honored to serve military members, their families and beneficiaries with this checking account. A Veteran ID card may be required upon opening. |
| Additional Details | ||||
| Minimum to Open | $100 | $1,000 | $100 | $0 |
| Interest Bearing | No | Yes | No | No |
| Minimum Balance Fee | No Minimum Balance Fee | $10 | No Minimum Balance Fee | $0 |
| Balance to Avoid Minimum Balance Fee | No minimum balance requirement | $1,000 minimum balance requirement | No minimum balance requirement | No minimum balance requirement |
| Account Monthly Fee | No charge for eStatements OR $3 Monthly Paper Statement Fee | No charge for eStatements OR $3 Monthly Paper Statement Fee | No charge for eStatements OR $3 Monthly Paper Statement Fee | No charge for eStatements OR $3 Monthly Paper Statement Fee |
| Personal Checking | |
|---|---|
| Description | Banking made simple with no minimum balance. Get no monthly fee with electronic statements, or choose paper statements for $3/month. |
| Additional Features | |
| Minimum to Open | $100 |
| Interest Bearing | No |
| Minimum Balance Fee | No Minimum Balance Fee |
| Account Monthly Fee | No charge for eStatements OR $3 Monthly Paper Statement Fee |
| Personal Interest Checking | |
| Description | Our most popular interest bearing checking which includes the perks you expect with tiered rates. |
| Additional Features | |
| Minimum to Open | $1,000 |
| Interest Bearing | Yes |
| Minimum Balance Fee | $10 |
| Account Monthly Fee | No charge for eStatements OR $3 Monthly Paper Statement Fee |
| 50+ Checking | |
| Description | For our customers who are 50 or better, with no balance fee. |
| Additional Features | |
| Minimum to Open | $100 |
| Interest Bearing | No |
| Minimum Balance Fee | No Minimum Balance Fee |
| Account Monthly Fee | No charge for eStatements OR $3 Monthly Paper Statement Fee |
| Veteran Checking | |
| Description | We are honored to serve military members, their families and beneficiaries with this checking account. A Veteran ID card may be required upon opening. |
| Additional Features | |
| Minimum to Open | $0 |
| Interest Bearing | No |
| Minimum Balance Fee | $0 |
| Account Monthly Fee | No charge for eStatements OR $3 Monthly Paper Statement Fee |
Everyday checking made simple, with no minimum balance and flexible statement options.
*Message and Data Rates May Apply
Our most popular account package that earns interest and includes a wealth of valuable benefits.
*Message and Data Rates May Apply
Exclusively for those age 50 or better, this account offers comparable features as Free Checking and more.
*Message and Data Rates May Apply
We are honored to serve military members, their families and beneficiaries with this checking account.
We proudly partner with the Veterans Benefits Banking Program (VBBP). Supporting our Veteran’s financial health and needs is one of our top priorities here at Nantahala Bank. For more info, click HERE.
*Message and Data Rates May Apply