| Freedom Checking |
| Minimum to Open: |
$100 – Apply Online |
| Minimum Balance: |
None |
| Monthly Service Fee: |
With monthly direct deposit – No charge
Without monthly direct deposit – $4 |
| Interest: |
None |
| Check Writing Access: |
30 per statement cycle No Charge
Additional items $.50 each |
| Restrictions: |
The $500 overdraft privilege may be suspended if the account balance is overdrawn for more than 15 consecutive days. |
| Other Services Included: |
- ReadyNet Internet Banking with Checkfree Online Bill Pay
- ReadyLine Telephone Banking
- Unlimited debit card transactions*
- $500 overdraft privilege**** – Overdraft Options
- Unlimited access at NDB ATMs
- 4 premium transactions per statement cycle which consists of non-NDB ATM*** transactions and/or teller assisted transactions, additional premium transactions, $1.00 each
- Unlimited ATM deposits and night deposits
- Allpoint Surcharge-free ATM Network |
* Upon application and approval.
*** Not responsible for ATM terminal owner-imposed fees.
**** Each overdraft subject to overdraft fees. $25 per item. Overdraft Options
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| Celebration Club |
| Minimum to Open: |
$100 – Apply Online |
| Minimum Balance: |
$3,000 |
| Monthly Service Fee: |
With $3,000 average monthly balance – No charge
Below $3,000 – $10 |
| Interest: |
Accrues daily and compounded monthly on collected daily balance.
Interest paid monthly.** |
| Check Writing Access: |
Unlimited |
| Restrictions: |
Must be 55+ |
| Other Services Included: |
- ReadyNet Internet Banking with Checkfree Online Bill Pay
- ReadyLine Telephone Banking
- Free Celebration Club style checks
- Free cashier’s and traveler’s checks
- Free wire transfers
- Unlimited debit card transactions*
- Free money orders
- Annual discount on safe deposit box
- Unlimited access at NDB ATMs
- 5 free non-NDB ATM transactions per statement cycle***
- Allpoint Surcharge-free ATM Network |
* Upon application and approval.
** Variable interest rates are subject to change without notice and fees may reduce the earnings and APY.
*** Not responsible for ATM terminal owner-imposed fees.
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| Personal Checking |
| Minimum to Open: |
$100 – Apply Online |
| Minimum Balance: |
$750 |
| Monthly Service Fee: |
With minimum daily balance of $750 – No charge
Below $750 – $10 |
| Interest: |
None |
| Check Writing Access: |
Unlimited |
| Restrictions: |
None |
| Other Services Included: |
- ReadyNet Internet Banking with Checkfree Online Bill Pay
- ReadyLine Telephone Banking
- Unlimited debit card transactions*
- Optional Overdraft Savings Transfer Protection
- Unlimited access at NDB ATMs
- 5 free non-NDB ATM transactions per statement cycle***
- Allpoint Surcharge-free ATM Network |
* Upon application and approval.
*** Not responsible for ATM terminal owner-imposed fees.
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| Basic Checking |
| Minimum to Open: |
$50 – Apply Online |
| Minimum Balance: |
None |
| Monthly Service Fee: |
$3 |
| Interest: |
None |
| Check Writing Access: |
10 checks/debits per statement cycle – No charge
Additional items – $.75 each |
| Restrictions: |
None |
| Other Services Included: |
- ReadyNet Internet Banking with Checkfree Online Bill Pay
- ReadyLine Telephone Banking
- Debit card*
- Optional Overdraft Savings Transfer Protection
- 5 free non-NDB ATM transactions per statement cycle**
- Allpoint Surcharge-free ATM Network |
* Upon application and approval.
** Not responsible for ATM terminal owner-imposed fees.
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| Relationship Checking |
| Now for even greater rewards, we will credit the surcharge other banks charge you to use their ATMs. Simply send us your original ATM receipts monthly in our special envelopes and we will credit the surcharges from the other banks. |
| Minimum to Open: |
$100 – Apply Online |
| Minimum Balance: |
None |
| Monthly Service Fee: |
$10 or no charge with combined average balances of $5,000 in non-interest checking, savings and/or money market |
| Interest: |
None |
| Check Writing Access: |
Unlimited |
| Restrictions: |
Each related account subject to minimum balance requirement per account type. |
| Other Services Included: |
- ReadyNet Internet Banking with Checkfree Online Bill Pay
- ReadyLine Telephone Banking
- Unlimited access at NDB ATMs
- Complimentary bank stock checks
- Overdraft protection*
- Unlimited debit card transactions*
- “Mail In” ATM Surcharge Rebate Program**
- 5 free non-NDB ATM transactions per statement cycle***
- Allpoint Surcharge-free ATM Network |
* Upon application and approval.
** Relationship Checking Rebate Program includes up to 5 surcharge refunds per statement cycle. ATM surcharge amount may not exceed $2.00 per transaction. Rebate requests must be submitted within 60 days from date of transaction.
*** Not responsible for ATM terminal owner-imposed fees.
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| Relationship Plus Checking |
| Introducing our new “Paperless” ATM Surcharge Rebate Program. Now for even greater rewards, we will automatically credit the surcharge other banks charge you to use their ATMs. There’s no need to deal with mail in rebates. |
| Minimum to Open: |
$100 – Apply Online |
| Minimum Balance: |
None |
| Monthly Service Fee: |
$15 or no charge with combined average balances of $25,000 in checking, savings, money market, CD and/or IRA. |
| Interest: |
Accrues daily and compounded monthly on collected daily balance of $500 and above.
Interest paid monthly.** |
| Check Writing Access: |
Unlimited |
| Restrictions: |
Each related account subject to minimum balance requirement per account type. |
| Other Services Included: |
- ReadyNet Internet Banking with Checkfree Online Bill Pay
- ReadyLine Telephone Banking
- Unlimited access at NDB ATMs
- Complimentary bank stock checks
- Overdraft protection*
- Unlimited debit card transactions*
- Interest checking
- “Paperless” ATM Surcharge Rebate Program***
- 5 free non-NDB ATM transactions per statement cycle****
- Allpoint Surcharge-free ATM Network |
* Upon application and approval.
** Variable interest rates are subject to change without notice and fees may reduce the earnings and APY.
*** Relationship Plus Checking Rebate Program includes up to 7 surcharge refunds per statement cycle. ATM surcharge amount may not exceed $2.00 per transaction.
**** Not responsible for ATM terminal owner-imposed fees.
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| Interest Checking |
| Minimum to Open: |
$100 – Apply Online |
| Minimum Balance: |
$1,500 |
| Monthly Service Fee: |
With minimum daily balance – No charge
Below $1,500 – $10 |
| Interest: |
Accrues daily and compounded monthly on collected daily balance of $500 and above.
Interest paid monthly.** |
| Check Writing Access: |
Unlimited |
| Restrictions: |
None |
| Other Services Included: |
- ReadyNet Internet Banking with Checkfree Online Bill Pay
- ReadyLine Telephone Banking
- Unlimited debit card transactions*
- Overdraft Protection*
- Unlimited access at NDB ATMs
- 5 free non-NDB ATM transactions per statement cycle***
- Allpoint Surcharge-free ATM Network |
* Upon application and credit approval.
** Variable interest rates are subject to change without notice and fees may reduce earnings and APY.
*** Not responsible for ATM terminal owner-imposed fees.
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| Privacy Manager Checking |
| Minimum to Open: |
$100 – Apply Online |
| Minimum Balance: |
None |
| Monthly Service Fee: |
$8.95 |
| Interest: |
None |
| Check Writing Access: |
Unlimited |
| Restrictions: |
None |
| Other Services Included: |
- ReadyNet Internet Banking with Checkfree Online Bill Pay
- ReadyLine Telephone Banking
- Unlimited debit card transactions*
- $500 overdraft privilege** – Overdraft Options
- Unlimited access at NDB ATMs
- 5 free non-NDB ATM transactions per statement cycle***
- Electronic statement
- Privacy Manager – ID Theft Prevention
- Allpoint Surcharge-free ATM Network |
* Upon application and approval.
** Each overdraft subject to overdraft fees. $25 per item. Overdraft Options
*** Not responsible for ATM terminal owner-imposed fees.
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| Retiree Checking |
| Minimum to Open: |
$100 – Apply Online |
| Minimum Balance: |
None |
| Monthly Service Fee: |
None |
| Interest: |
None |
| Check Writing Access: |
Unlimited |
| Restrictions: |
65+ |
| Other Services Included: |
- ReadyNet Internet Banking with Checkfree Online Bill Pay
- ReadyLine Telephone Banking
- Unlimited access at NDB ATMs
- Unlimited debit card transactions*
- 5 free non-NDB ATM transactions per statement cycle**
- Optional Savings Account Overdraft Protection
- Allpoint Surcharge-free ATM Network |
* Upon application and approval.
** Not responsible for ATM terminal owner-imposed fees.
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| Student Checking |
| Minimum to Open: |
$50 – Apply Online |
| Minimum Balance: |
None |
| Monthly Service Fee: |
None |
| Interest: |
None |
| Check Writing Access: |
Unlimited |
| Restrictions: |
None |
| Other Services Included: |
- ReadyNet Internet Banking with Checkfree Online Bill Pay
- ReadyLine Telephone Banking
- Debit card*
- Optional Overdraft Savings Transfer Protection
- 5 free non-NDB ATM transactions per statement cycle**
- Allpoint Surcharge-free ATM Network |
* Upon application and approval.
** Not responsible for ATM terminal owner-imposed fees.
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