Online Banking

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.

Personal Checking Personal Interest Checking 50+ Checking Veteran Checking
Description

No maintenance fees for those who enroll in electronic statements. For those who prefer paper statements there is a $3 monthly statement fee. No minimum balance requirement.

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.

We are honored to serve military members, their families and beneficiaries with this checking account.

Additional Details
  • 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.
  • Paper statements with images, $3 per month.
  • Paper statements with images, $3 per month.
  • No minimum balance
  • Free statements with images
  • Free official checks
  • First check order is free
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 Fee $1,000 No Minimum Balance Fee $0
Account Monthly Fee No monthly fee if enrolled in eStatements $0 No monthly fee if enrolled in eStatements $0
Personal Checking
Description

No maintenance fees for those who enroll in electronic statements. For those who prefer paper statements there is a $3 monthly statement fee. No minimum balance requirement.

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 No Minimum Balance Fee
Account Monthly Fee No monthly fee if enrolled in eStatements
Personal Interest Checking
Description

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

Additional Features
  • Paper statements with images, $3 per month.
Minimum to Open $1,000
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.

Additional Features
  • Paper statements with images, $3 per month.
Minimum to Open $100
Interest Bearing No
Minimum Balance Fee No Minimum Balance Fee
Account Monthly Fee No monthly fee if enrolled in eStatements
Veteran Checking
Description

We are honored to serve military members, their families and beneficiaries with this checking account.

Additional Features
  • No minimum balance
  • Free statements with images
  • Free official checks
  • First check order is free
Minimum to Open $0
Interest Bearing No
Minimum Balance Fee $0
Account Monthly Fee $0
Our Personal Savings Accounts include ALL of the following services:
  • Mobile Capture
  • 24-hour Telephone Banking
  • eStatements
  • 24-hour Nantahala Bank ATM Transactions
  • Ability to Send and Receive External Transfers To and From Other Financial Institutions
  • Direct Deposit
  • Notary Services
  • Instant Issue VISA Debit Card
  • Cash and Check Deposit at our ATMs
  • Unlimited Check Writing
  • Up to 4 Free non-Nantahala ATM Transactions per Month
  • No Charge for eStatements OR $3 Monthly Paper Statement Fee
  • Transaction Images Included on Your Monthly Statement
  • Venmo, Apple Pay, Samsung Pay, and Google Pay access with your debit card

 

 

For those who prefer paper statements and no monthly balance requirements.

Features

  • $100 Minimum to Open
  • Online Banking / Mobile Banking with BillPay
  • Mobile Capture
  • 24-hour Telephone Banking
  • eStatements
  • Direct Deposit
  • Notary Services
  • Instant Issue VISA Debit Card
  • Cash and Check Deposit at our ATMs
  • Unlimited Check Writing
  • 24-hour Nantahala Bank ATM Transactions
  • Ability to Send and ReceiveExternal Transfers To and From Other Financial Institutions
  • Transaction Images Included on Your Monthly Statement
  • Up to 4 Free non-Nantahala ATM Transactions per Month
  • No Charge for eStatements OR $3 Monthly Paper Statement Fee
  • Venmo, Apple Pay, Samsung Pay, and Google Pay access with your debit card

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

Features

  • $1,000 Minimum to Open
  • Online Banking / Mobile Banking with BillPay
  • Mobile Capture
  • 24-hour Telephone Banking
  • eStatements
  • Direct Deposit
  • Notary Services
  • Instant Issue VISA Debit Card
  • Cash and Check Deposit at our ATMs
  • Unlimited Check Writing
  • 24-hour Nantahala Bank ATM Transactions
  • Ability to Send and Receive External Transfers To and From Other Financial Institutions
  • Up to 4 Free non-Nantahala ATM Transactions per Month
  • No Charge for eStatements OR $3 Monthly Paper Statement Fee
  • Venmo, Apple Pay, Samsung Pay, and Google Pay access with your debit card

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
  • Mobile Capture
  • 24-hour Telephone Banking
  • eStatements
  • Direct Deposit
  • Notary Services
  • Instant Issue VISA Debit Card
  • Cash and Check Deposit at our ATMs
  • Unlimited Check Writing
  • 24-hour Nantahala Bank ATM Transactions
  • Ability to Send and ReceiveExternal Transfers To and From Other Financial Institutions
  • Check Images Included on Your Monthly Statement
  • Up to 4 Free non-Nantahala ATM Transactions per Month
  • No Charge for eStatements OR $3 Monthly Paper Statement Fee
  • Venmo, Apple Pay, Samsung Pay, and Google Pay access with your debit card

We are honored to serve military members, their families and beneficiaries with this checking account.

Features

  • $0 Minimum to Open
  • Online Banking / Mobile Banking with BillPay
  • Mobile Capture
  • 24-hour Telephone Banking
  • eStatements
  • Direct Deposit
  • Notary Services
  • Instant Issue VISA Debit Card
  • Cash and Check Deposit at our ATMs
  • Unlimited Check Writing
  • 24-hour Nantahala Bank ATM Transactions
  • Ability to Send and Receive External Transfers To and From Other Financial Institutions
  • Check Images Included on Your Monthly Statement
  • Up to 6 Free non-Nantahala ATM Transactions per Month
  • $0 Monthly Paper Statement Fee
  • Free Official Checks
  • First Check Order is Free
  • Venmo, Apple Pay, Samsung Pay, and Google Pay access with your debit card

 

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.

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.