Welcome to NSB Bank Online!

Located at the top of Iowa, NSB Bank has been taking care of their valued customers for 75 wonderful years. NSB is independently owned -- That means quick decisions, greater flexibility and quicker response time for your requests.

WE'RE HERE FOR YOU!

Mission Statement

While meeting the financial needs of our customers is the prime responsibility of every employee, we are committed to providing a level of service second to none.

We pledge, every minute of every day, to make banking an enjoyable experience and to make the NSB experience a warm and refreshing break in our customers’ otherwise demanding lives.
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OVERDRAFT PRIVILEGE ALERT

 On November 12th, 2009 the Federal Reserve adopted final regulations and commentary revising Regulation E for all banks, which affects consumer overdraft privilege programs regarding ATM and debit card transactions.  These new rules require consumers to provide "affirmative consent" or opt in before being charged a fee for overdraft protection services  for ATM and one-time debit card transactions.

                                                                                                                                                                                                  >>Learn More

CONSUMER CHECKING

Click here to view Rates

Consumer Checking Comparison Table
Products NSB Classic Account NSB Classic Plus/Tiered Interest NSB Senior Classic Club NSB "E" Free Account NSB Economizer NSB Direct Account
  Ideal for…customers who prefer a convenient account with additional benefits. Ideal for…customers who desire money-saving extras and a tiered interest rate to reward higher balances. Ideal for…customers 55 or Wiser Ideal for customers who want no monthly fees, no minimum balance and an electronic statement. Ideal for customers who desire a low-cost account with no minimum balance and a *mailed statement*. Ideal for…employees of commercial customers of NSB who choose to have a payroll directly deposited into NSB
Minimum Balance  $100 to open
NO minimum balance		 $1000 to open
$1000 minimum balance		 $100 to open
$100 minimum balance		 $200 to open
NO minimum balance		 $200 to open
NO minimum balance		 $100 to open
NO minimum balance
Fee
Insurance Monthly Fee
$10,000 $ 7.00
$20,000 $ 8.00
$30,000 $ 9.00
$40,000 $10.00
$50,000 $11.00
 $8.00 a month if minimum daily balance is not maintained.  The Service Charge is waived if there is no Accidental Death & Dismemberment Insurance. No monthly service charge. $.50 service charge (includes tax) No monthly service charge.
Checks or Deposits Viewed On-line Yes Yes Yes No Yes Yes
Features
  • 4 Free Foreign ATM w/d's per month
  • NSB CheckCard (No Annual Fee)
  • Image Statement "E" or mailed
  • Unlimited check writing
  • Overdraft Protection Available
  • Free small safe deposit box for 1st year
  • Access to Internet Banking
  • Access to KELLY (24-hour phone banking)
  • 1/2% discount on consumer loan with
  • autopay. (pending credit approval)
  • First order of wallet checks free
  • Free money orders
  • $4 discount on Travelers Money Card
  • Visa® or Mastercard® with no annual
  • fee (pending credit approval)
  • Account features Accidental Death & Dismemberment Insurance
  • 4 Free Foreign ATM w/d's per month
  • NSB CheckCard ($7.00 annual fee)
  • Image Statement "E" or mailed
  • Unlimited check writing
  • Overdraft Protection Available
  • Free small safe deposit box for 1st year
  • Access to Internet Banking
  • Access to KELLY (24-hour phone banking)
  • 1/2% discount on consumer loan with autopay. (pending credit approval)
  • 1/4% bonus on any new CD
  • Tiered interest rates on balances over $1000
  • 0-999.99 no interest
  • 1,000-9,999.99 __
  • 10,000-24,999.99 __
  • 25,000 & above __
  • 4 Free Foreign ATM w/d's per month
  • NSB CheckCard ($7.00 annual fee)
  • Image Statement "E" or mailed
  • Unlimited check writing
  • Overdraft Protection Available
  • Free small safe deposit box for 1st year
  • Access to Internet Banking
  • Access to KELLY (24-hour phone banking)
  • 1/2% discount on consumer loan with autopay. (pending credit approval)
  • First order of wallet checks free
  • Free money orders
  • $4 discount on Travelers Money Card
  • Visa® or Mastercard® annual fee waived
  • Maintain one other account relationship with a minimum of $10,000
  • Travel Opportunities
  • NSB CheckCard ($7.00 annual fee)
  • Monthly statement emailed
  • Unlimited check writing
  • Access to Internet Banking
  • Overdraft Protection Available
  • Access to KELLY (24-hour phone banking)

 

 
  • NSB CheckCard ($7.00 annual fee)
  • Unlimited check writing
  • Access to Internet Banking
  • Overdraft Protection Available
  • Access to KELLY (24-hour phone banking)
  • Free check safekeeping
  • NSB CheckCard ($7.00 annual fee)
  • Unlimited check writing
  • Access to Internet Banking
  • Overdraft Protection Available
  • Access to KELLY (24-hour phone banking)
  • $10,000 Accidential Death & Dismemberment Insurance
  • Visa® or Mastercard® with no annual fee (pending credit approval)
  • Free check safekeeping