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Personal Checking Accounts

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.

Checking Account Comparison

Select the products below to compare.

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)
  • Paper statements with images, $3 per month
  • Free Official Checks
Minimum to Open $100 $100 $1,000.00 $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
Free Checking
Description

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

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
Minimum to Open $100
Interest Bearing No
Minimum Balance Fee None
Account Monthly Fee $0
Statement Checking
Description

An account for  those who prefer paper statements, with no balance requirements.  $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)
  • Paper statements with images, $3 per month
Minimum to Open $100
Interest Bearing No
Minimum Balance Fee None
Account Monthly Fee $3
Interest Checking
Description

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

Additional Features
  • 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
Minimum to Open $1,000.00
Interest Bearing Yes
Minimum Balance Fee $10
Account Monthly Fee $0
50+ Checking
Description

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)
  • Paper statements with images, $3 per month
  • Free Official Checks
Minimum to Open $100
Interest Bearing No
Minimum Balance Fee None
Account Monthly Fee $3

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

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

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

Features

  • $1,000 Minimum to Open
  • 24-hour Telephone Banking
  • Online Banking / Mobile Banking with BillPay
  • 24-hour Nantahala Bank ATM Transactions
  • Up to 4 Free non-Nantahala ATM Transactions per Month
  • $10 Monthly Service Charge Waived with a $1,000 Minimum Daily Balance
  • Tiered Interest Rates
  • Free Official Checks
  • Free Paper Statements

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
  • Up to 4 Free non-Nantahala ATM Transactions per Month
  • Free Official Checks
  • $3 Monthly Paper Statement Fee

A selection of different cryptocurrency coins piled together over US dollar banknotes

Please be advised:

If you are initiating (originating or receiving) virtual currency transactions using your Nantahala Bank and Trust account, the bank will restrict all transactions from occurring in your account until we discuss the activity with you. While we appreciate your business, Nantahala Bank does not allow virtual currency transactions of any kind. If you have questions regarding this, please contact a branch representative and we will be happy to assist you.