Personal Checking

Compare NSB's checking accounts to find the one that best suits your needs.

Checking Accounts
Account TypeMinimum BalanceApplicable FeesTrasactions Viewable Online
Classic $100
Insurance Monthly Fee
$10,000 $7.50
$20,000 $8.50
$30,000 $9.50
$40,000 $10.50
$50,000 $11.50
Yes
Classic Plus $1,000 $8.00 a month if minimum daily balance is not maintained Yes
Senior Classic $100 Service Charge is waived if there is no Accidental Death & Dismemberment Insurance Yes
"E" Rewards $200
Average Daily Balance Charge Bill Pay
Overdrawn - $499.99 $3.00 $5.95
$500 - $999.99 $2.00 $5.95
$1,000 and above $1.00 $5.95
$1,000 and above No Charge* No Charge*

*If all requirements are met

Yes
"E" Plus $200
Average Daily Balance Charge
Overdrawn - $499.99 $4.00
$500 - $999.99 $3.00
$1,000 - $1,499.99 $2.00
$1,500 and above No Charge

Includes tax

Yes
Economizer $200
Average Daily Balance Charge
Overdrawn - $499.99 $5.00
$500 - $999.99 $4.00
$1,000 - $1,499.99 $3.00
$1,500 and above $1.50

Includes tax

No
NSB Direct $100 N/A Yes

Classic

Ideal for...customers who prefer a convenient account with additional benefits.

  • 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
  • 0.50% discount on consumer loan with autopay (pending credit approval)
  • Free money orders
  • Visa® or Mastercard® with no annual fee (pending credit approval)
  • Accidental Death & Dismemberment Insurance
  • Compare Checking Accounts

Classic Plus

Ideal for…customers who desire money-saving extras and a tiered interest rate to reward higher balances.

  • 4 Free Foreign ATM w/d's per month
  • NSB CheckCard ($9.00 annual fee plus tax)
  • Image Statement "E" or mailed
  • Unlimited check writing
  • Overdraft Protection Available
  • Free small safe deposit box for 1st year
  • Access to Internet Banking
  • 0.50% discount on consumer loan with autopay. (pending credit approval)
  • 0.25% bonus on any new CD
  • Tiered interest rates on balances over $1000
  • See Rates page for Tiered Rates
  • Compare Checking Accounts

Senior Classic Club

Ideal for...customers 55 or wiser.

  • 4 Free Foreign ATM w/d's per month
  • NSB CheckCard ($9.00 annual fee plus tax)
  • Image Statement "E" or mailed
  • Unlimited check writing
  • Overdraft Protection Available
  • Free small safe deposit box for 1st year
  • Access to Internet Banking
  • 0.50% discount on consumer loan with autopay. (pending credit approval)
  • Free money orders
  • Visa® or Mastercard® annual fee waived
  • Maintain one other account relationship with a minimum of $10,000
  • Travel Opportunities
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"E" Rewards

Ideal for…customers who want Online Bill Pay.

Requirements 

  • 10 Signature based debit card transactions
  • E-Statement
  • Average Balance $1,000
  • Use Bill Pay 5 times per month
  • Must be on a Month End Cycle

Rewards

  • 4 free foreign ATM transactions per month
  • Free Safe Deposit Box for one year
  • Unlimited check writing
  • Free check safe keeping
  • Overdraft Protection available
  • Access to Online Banking & check images
  • Free Customer Service
  • Bill Pay is free if used 5 times per month
  • Debit card available ($9 annual fee plus tax)
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"E" Plus

Ideal for…customers who want an electronic statement.

  • NSB CheckCard ($9.00 annual fee plus tax)
  • Monthly statement emailed
  • Unlimited check writing
  • Access to Internet Banking
  • Overdraft Protection Available
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Economizer

Ideal for…customers who desire a low-cost account with a mailed statement.

  • NSB CheckCard ($9.00 annual fee plus tax)
  • Unlimited check writing
  • Access to Internet Banking
  • Overdraft Protection Available
  • Free check safekeeping
  • Compare Checking Accounts

NSB Direct

Ideal for…employees of NSB's commercial customers who choose to have a payroll directly deposited into NSB.

  • NSB CheckCard ($9.00 annual fee plus tax)
  • Unlimited check writing
  • Access to Internet Banking
  • Overdraft Protection Available
  • $10,000 Accidential Death & Dismemberment Insurance
  • Visa® or Mastercard® with no annual fee (pending credit approval)
  • Free check safekeeping
  • Compare Checking Accounts

Personalization Settings

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Welcome

Please enter your first name so we can personalize your banking experience.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

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