 National
Bank & Trust makes it simple for you, with a
variety of accounts tailored to meet different
needs. We know that people come in all shapes and
sizes and so do our checking accounts. We hope that
you find an account that fits your needs and
lifestyle. Do you write a lot of checks each month,
or just a few? What kind of balances do you usually
keep? Is earning interest a priority?
When
you choose a National Bank & Trust
checking account that matches your own financial
style and purpose, you'll be making the most of your
money.
To open a Checking Account
Call a New Accounts representative at
(979) 968-4506 or (800) 330-3136
Quick & Simple Switch Kit
NBT Free
Regular Account
NBT Now
NBT Club
Money
Market
NBT Star
NBT 55+
NBT
Student
Regular Business
Business Now
Business Money Market
Business Platinum
CDs &
IRAs
Savings
Business Savings
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Quick &
Simple Switch Kit |
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Make your switch to
National Bank & Trust
It's as
easy as...1 2 3
Switching to
NBT is easy! Here's how:
1.
Download and complete the
Complete Switch Kit (pdf), if needed,
additional individual pages are
available to download for your
convenience:
Individual pages:
New Account Information Form (pdf)
Account Closing Request Form (pdf)
Automatic Payment Change Form (pdf)
Deposit & Payment Checklist (pdf)
Direct Deposit Change Form (pdf)
2. Bring the
completed sheets along with your
Driver's License and Social Security
Card and your initial deposit to
National Bank & Trust.
3. A
National Bank & Trust
Relationship Banker will take care of
the rest.
What do I do with my old checks?
Bring them along - we'll
replace them for you.
Is it going to be a hassle to switch
my direct deposits and automatic
payments?
No, we'll help you every step of the
way.
What do I tell my old bank?
National Bank & Trust made
you an offer you can't refuse.
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NBT Free |
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No account
maintenance fees or minimum balance
requirements.
Minimum Opening Balance $100
Monthly Service Charges $0
Unlimited check writing
Overdraft limit: $150; $400 with
direct deposit
Monthly statements
Checks are safely kept at NBT for 3
months then destroyed for customer
security.
ATM card available at $2.50 per
month
No per item charge
Free Internet Banking with Free
Bill-Pay
Free NBT checks
Free Debit Card
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Regular Account |
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The convenience of a checking
account with added benefits.
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Monthly Service
Charges
Min. monthly
balance of:
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$500 or more |
No Charge |
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$400.00 to $499.99 |
$6.00/month |
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$300.00 to $399.99 |
$7.00/month |
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$0 to $299.99 |
$8.00/month
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NBT Now |
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Earn
interest and enjoy unlimited
checkwriting.
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Compounded daily, variable
interest paid monthly on
daily balances of $1000.00
or more.
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Monthly Statements with
checks images returned.
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$100.00 minimum to open.
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Unlimited check writing
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Free NBT wallet checks,
discount on NBT duplicate
checks
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Free Debit Card
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Free Internet Banking with
free bill pay
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Overdraft limit, $150.00,
$400.00 with direct deposit
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No per item charge
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Monthly Service
Charges
Minimum monthly
balance of: |
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$1,000 or more |
No Charge |
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$0.00 to $999.99 |
$10.00/month |
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NBT Club |
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The checking account that gives
you more than you expect. Our
exclusive customized banking
package combines unlimited check
writing and no balance
requirement with many special
added benefits. |
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Free club checks
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Free Debit Card
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Free ATM Card
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Free Internet Banking with
Free Bill-Pay
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Unlimited Check writing
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Overdraft limit of $150;
$400 with direct deposit
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No per item charge
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Free one-party Traveler's
checks
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Accidental Death and
Dismemberment Insurance
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Free photo copies; limit 5
per day
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Cashiers Checks and Money
Order no charge; limit 2 per
month
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Credit Card Protection
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Minimum to open $100
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3X5 Safe deposit box (first
year free)
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Monthly Statement
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Check images returned
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Monthly Service
Charges: |
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Basic Plan |
$7.00/month |
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Family Plan |
$9.00/month |
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Senior (55+) Individual
Plan |
$4.00/month |
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Senior (55+) Family Plan |
$6.00/month |
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Money Market |
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A savings account with limited
checkwriting, designed for
customers with larger savings
balances who can earn higher
interest rates with maximum
security and liquidity. Earns
competitive variable market rate
on daily balance.
Our Money Market account
combines great rates with access
to your funds at anytime.
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Unlimited deposits
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Up to 6 withdrawals
or transfers to
another account or
to a third party by
means of a
preauthorized
transfer, or by
check, draft, or
similar order to a
third party allowed
monthly.
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Minimum opening
balance: $100
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Variable interest
rate compounded
daily. Paid monthly
on daily balances of
$2,500 or more
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Tiered rates based
on balances.
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Maintain a balance
of $2,500 or more to
avoid a $15 monthly
fee
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Excess withdrawal
fee of $5 each
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Unlimited
withdrawals at
National Bank &
Trust ATM
with no transaction
fee. Fees may
apply for
transactions at
other ATM's
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Monthly statement
with check images
returned.
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Monthly Service Charges
Minimum balance of:
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$2,500 or more |
No Charge |
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$0 to $2,499.99 |
$15.00/month
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NBT Star |
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Preferred account for those
customers who want to
capitalize by maintaining a
higher balance.
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Minimum Opening Balance
$1,000
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Free NBT Wallet Checks,
discount on NBT
duplicate checks
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Free Internet Banking
with Free Bill-Pay
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Free Debit Card
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Overdraft limit: $150;
$400 with direct deposit
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Monthly statements
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Checks images returned
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Unlimited check writing
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No per item charge.
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Discount of 0.50% on
consumer loans,
excluding mortgage loans
Variable interest rate,
interest compounded daily
and paid monthly on daily
balances of $10,000 or more.
Tiered rate based on
balance. Maintain balance
of $10,000 to avoid monthly
maintenance fee of $20. |
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NBT 55+ |
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Basic checking account plus much
more designed especially for our
customers who are young at
heart. |
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Free NBT wallet checks,
discount on NBT duplicate
checks
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No
monthly service charge, no
minimum balance
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Discount on personal loans
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Minimum $10.00 to open
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Free Debit Card
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Free ATM Card
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Unlimited Check Writing
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Overdraft limit of $150;
$400 with direct deposit
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Free Internet Banking with
Free Bill-Pay
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Free Traveler's Checks
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Free Cashier's Checks
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Free Money Orders
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No per item charge
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3X5 Safe deposit box (first
year free)
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Monthly Statement
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Check images returned
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NBT
Student |
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Our NBT Student checking
account is a perfect starter
account for students to
experience personal banking
at its best, which will help
our younger customers get a
jump start on building a
financial relationship.
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Free NBT checks
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Free Leopard
checks
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Minimum opening
balance: $10.00
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No minimum
monthly balance
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Free Debit Card
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Free Internet
Banking with
Free Bill
Pay
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Free Telephone
banking
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Monthly
statement
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Checks safekept
at NBT
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Unlimited check
writing
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Regular Business |
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Designed to meet the needs of
businesses with limited
activity, this account is
available to all businesses.
Minimum to Open: $100
Monthly Service Charges:
Minimum monthly balance
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of $500 or more |
No Charge |
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$400.00 to $499.99 |
$6.00 |
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$300.00 to $399.99 |
$8.00 |
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$0 to $299.99 |
$10.00 |
Features:
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Unlimited checkwriting
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No monthly service charge on
accounts with five or less
withdrawals during a
statement cycle
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Free Internet Banking with
free bill pay
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Monthly statements with
check images retuned
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No per item charge
Businesses with higher levels of
checking activity, could be
subject to Active Checking fees
based on account activity.
Contact a New Accounts
Representative for details. |
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Business Now |
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For businesses that can legally
earn interest (self-employed,
sole proprietorships, and
nonprofit organizations),
Business NOW combines great
rates with convenient access to
your business funds.
Minimum to Open: $100.00
Monthly Service Charges:
Minimum monthly balance |
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of $1,000 or more |
No charge |
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$0.00 to $999.99 |
$10.00 |
Features:
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Monthly statement
with check images
returned
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Unlimited check
writing
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Variable interest
rates, compounded
daily, paid monthly
on daily balances of
$1000 or more
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No per item charge
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Basic Internet
Banking with free
bill pay
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Business Money
Market |
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Minimum to Open: $100.00
Minimum Daily Balance:
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$2,500 or more |
No Charge |
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Below $2,500 |
$15.00 |
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Excess Withdrawal Fee: |
$5.00 each |
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Features:
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Up to 6 withdrawals
or transfers to
another account or to a
third party by means of a
preauthorized transfer, or
by check, draft, or similar
order to a third party
allowed monthly.
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Variable interest rate
compounded daily, paid
monthly on daily balances of
$2,500 or more
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Tiered rates based on
balances
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Unlimited deposits
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Monthly statement with
images returned
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Business Platinum |
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Minimum to Open: $50,000
Minimum Daily Balance:
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$20,000 |
No Charge |
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Below $20,000 |
$20.00 |
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Excess Withdrawal Fee: |
$5.00 each |
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Features:
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Up to 6 withdrawals
or transfers to
another account or to a
third party by means of a
preauthorized transfer, or
by check, draft, or similar
order to a third party
allowed monthly.
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ATM card available at $2.50
fee per month
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Variable interest rates,
compounded daily, paid
monthly on daily balances of
$20,000 or more
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Unlimited withdrawals at
NBT's ATM with no
transaction fee; fees may
apply at other ATM's
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Monthly statement with check
images returned
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CD's & IRA's |
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Enjoy the
security of a
guaranteed
return with a
National Bank
& Trust
Certificate of
Deposit. CDs
usually pay a
higher rate of
interest than
money market or
savings
accounts.
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Traditional
IRAs
from one
to five
years.
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Roth
IRAs
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Competitive
interest
rates
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No
annual
administration
fee
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Automatically
renewable
*
Substantial
penalty for
early
withdrawal.
CDs
There are a wide
variety of
maturities
available, from
three months to
five years.
Guaranteed rate
depends on the
maturity you
choose. May be
automatically
renewed with
additional
deposits allowed
at maturity.
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Terms |
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90
to
180
days:
minimum
to
open
$2,500. |
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1 to
5
years:
minimum
to
open
$
2,500. |
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Competitive
market
rates
for
under/over
$100,000.00
amounts.
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Interest
penalty
for
early
withdrawal. |
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Savings |
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A
savings
account
is a
foundation
of
your
financial
security.
Good
money
management
requires
that
you
reserve
funds
for
life's
unexpected
occurrences,
as
well
as
for
those
special
purposes
you
have
in
mind.
Smart
money
management
means
putting
your
money
in
the
right
kinds
of
accounts,
and
ensuring
they
deliver
maximum
earning
power.
National
Bank
&
Trust,
with
our
complete
range
of
savings
and
investment
accounts,
offers
you
the
tools
with
which
to
build
your
future.
Whatever
your
financial
style,
situation
or
purpose
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and
whether
you're
just
starting
out,
or
have
sophisticated
requirements
-
the
right
plan
from
National
Bank
&
Trust
will
help
you
make
the
most
of
your
money. |
Our basic
savings account
is an easy way
to start saving.
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Unlimited
deposits.
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$100.00
minimum
opening
balance.
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Three
withdrawals
per calendar
quarter at
no charge.
($2.00 per
each
withdrawal
over 3)
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Unlimited
withdrawals
at
National
Bank & Trust
ATM
machines, at
no
additional
charge. Fees
may apply
for
transactions
at other
ATM's
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There is a
service
charge of
$2.00/quarter
if the
balance on
this account
is less than
$100.00.
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Variable
Interest
rate paid on
daily
balance of
$100.00 or
more;
compounded
daily paid
quarterly.
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Quarterly
statements
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Business Savings |
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For businesses that want to
start investing today for a
promising future, our Business
Savings Account is the way to
get started. This account
requires a low opening deposit
requirement and a modest minimum
balance to avoid service
charges. Interest is compounded
daily, and deposits and
withdrawals are allowed at any
time.
Minimum to Open: $100.00
Quarterly Service Charges: |
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Minimum daily
balance of: |
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$100.00 or more |
No charge |
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$0 to $99.99 |
$2.00 |
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Withdrawals: |
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Up to 3 per calendar
quarter |
No charge |
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4 or more per
calendar quarter |
$2.00 each |
Features:
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Variable interest rate
compounded daily, paid
quarterly on balances of
$100 or more.
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Quarterly statements
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Unlimited deposits
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