Personal Checking Account Solutions

NBW Bank believes that all customers should have access to a variety of checking accounts that fit their individual needs.

Therefore, we offer the following benefits at no cost with all of our Personal Checking Accounts:

  • Telebanc access
  • Internet banking
  • Safekeeping of checks
  • Write as many checks as you like
  • Monthly statement e-mailed to you (Optional)
  • Images of checks we have paid via the Internet (Optional)

Select an account to learn more

Personal Checking

At a glance

  • No minimum balance required
  • No monthly fee
  • No limit to checks written
  • No per check fee
Super NOW Interest Checking

At a glance

  • Minimum balance – $1,500.00
  • Interest rate/annual percentage yield is variable
  • If the balance falls below a $2,000.00 average, a monthly maintenance fee of $8.50 is assessed, along with $0.25 per debit charge. Interest is credited and compounded monthly based on the daily collected balance.
NBW5000

This a premier checking account that offers a variety of  benefits to the customer who has banking relationship with combined total balances of $5,000.00 in any combination of checking, savings, Certificate of Deposit or IRA account. You would receive the following benefits:

  • No monthly Maintenance Fee
  • No Minimum Balance Checking Account – write as many checks as you wish
  • Free Personal Wallet Style Checks (Duplicate checks are discounted)
  • Interest paid monthly on the average checking account balance if it is greater than $500.00
  • Free NBW Debit Card with no charge for debit card transactions
  • Free standard safe deposit box or $17.00 credit toward any other size
  • Free personal money orders
  • VISA Credit Card (subject to approval)
  • If the balance falls below the $5,000.00 combined balances in checking, savings, certificates or IRA, a monthly maintenance fee of $12.00 is assessed.
Investor Money Market

At a glance

  • Minimum balance to open – $10,000.00
  • Interest rate/annual percentage yield is variable
  • Limited to 6 per calendar month preauthorized debits*
  • If the balance falls below the $2,500.00 minimum, a monthly maintenance fee of $10.00 is assessed, along with $0.25 per debit fee. If the balance falls below $10,000.00, the interest rate/APY reverts to the regular Money Market Account rate/APY. Interest is credited and compounded monthly based on the daily collected balance.

*Preauthorized debits include: Automatic transfers, telephone and internet transfers, similar third party orders, checks.

Money Market Account

At a glance

  • Minimum balance – $2,500.00
  • Interest rate/annual percentage yield is variable
  • Limited to 6 per calendar month preauthorized debits*
  • If the balance falls below a $2,500.00 average, a monthly maintenance fee of $10.00 is assessed, along with $0.25 per debit charge.  Interest is credited and compounded monthly based on the daily collected balance.

*Preauthorized debits include: Automatic transfers, telephone and internet transfers, similar third party orders, checks.

Health Savings Account

The NBW Health Savings Account (HSA) is a personal checking account that allows money to be deposited at any time and easily withdrawn for qualified medical expenses. If you’re enrolled in a High Deductible Health Plan (HDHP), a companion HSA may provide tax-advantage savings. Plus your account balance may be carried over from year to year.

An HSA provides the following features:

  • No minimum opening deposit
  • No monthly maintenance fee
  • Free paper and online statements
  • NBW HSA Debit card
  • Manage your account online with online banking and mobile banking
  • Variable interest rate