 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
Standard Overdraft does not
apply to everyday debit card and ATM transactions
unless you opt in. To opt in, a signed form is
required. See a New Accounts Representative
for details.
Other Overdraft Protections
Plans Available.
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
Commercial
Business Checking
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 frills"
account for customers on-the-go.
Minimum Opening Balance $100
Monthly Service Charges $0
NBT checks at no charge
Debit Card
Free Internet Banking
Bill-Pay & E-statements
Free Telephone Banking
Standard
Overdraft Limit $150.00;
$400.00 with direct deposit
Monthly Statement
Checks safekept at NBT
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NBT Checking |
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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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Interest bearing checking
account
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Minimum deposit of $1000.00
to open account
Maintain a daily balance of
$1,000 to avoid monthly fee
of $10
Interest compounded daily
and paid monthly on daily
balances of $1,000 or more
Interest rate subject to
change
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NBT wallet checks at no
charge
Discount on NBT duplicate
checks
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Debit Card
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Free Internet Banking
Bill-Pay & E-statements
Free Telephone Banking
Standard
Overdraft: $150.00;
$400.00 with direct deposit
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No per item charge
Monthly Statement
Check images returned
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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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Account that offers extra
benefits for those customers who
desire more for their money. |
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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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NBT
Money Market |
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An account
for anyone who has limited
withdrawals and prefers a higher
interest rate.
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Unlimited deposits
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Up to 6 withdrawals
monthly
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Excess withdrawal
fee of $5 each
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Minimum opening
balance: $2,500
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Interest compounded
daily and paid
monthly on daily
balances of $2500 or
more
Tiered rate based on
balances
Interest rates
subject to change
Maintain a daily
balance of $2,500 or
more to avoid a $15
monthly fee
ATM or Debit Card
Make unlimited
deposits and
withdrawals at an
NBT ATM with no
transaction fees
Fees may apply for
transactions at
other ATMs
Monthly statements with check
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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
$10,000
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Maintain a daily balance
of $10,000 to avoid
monthly fee of $20.
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Interest compounded
daily and paid monthly
on daily balances of
$10,000 or more
Tiered rate based on
balance
Interest rates subject
to change
NBT wallet checks at no
charge
Discount on NBT
duplicate checks
Debit Card
Free Internet Banking
Bill-Pay & E-statements
Free Telephone Banking
Standard Overdraft:
$150; $400 with direct
deposit
No per item charge
Monthly Statement
Check images returned
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NBT
Senior 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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Minimum $10.00 to open
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No
monthly service charge, no
minimum balance
NBT wallet checks at no
charge
Discount on NBT duplicate
checks
Debit Card or ATM Card
Free Internet Banking
Bill-Pay & E-statements
Free Telephone Banking
Standard Overdraft: $150;
$400 with direct deposit
No per item charge
One-Party Traveler’s Checks
at no charge
Cashier’s Checks & Money
Orders at no charge; Limit 2
per month
Monthly Statement
Check images returned
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NBT
Student |
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Perfect starter account for
students to experience
personal banking at its
best.
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Minimum opening
balance: $50.00
No monthly
service charge
NBT or Leopard
checks at no
charge
Debit Card
Free Internet
Banking
Bill-Pay &
E-statements
Free Telephone
Banking
Monthly
Statement
Checks safekept
at NBT
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Regular Business Checking |
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Designed to meet the needs of
businesses with limited
activity.
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 per item charge
Non interest bearing account
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No monthly service charge on
accounts with five or less
withdrawals during a
statement cycle
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Monthly statements with
check images retuned
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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: $1000.00
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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Unlimited check
writing
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No per item charge
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Maintain a daily
balance of $1,000 or
more to avoid a
monthly fee of $10
Monthly statement
with check images
returned
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Interest
compounded
daily and paid monthly
on daily balances of
$1000 or more
Interest rate
subject to change
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Monthly statements
with check images
returned
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Business Money
Market |
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Minimum to Open: $2500.00
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:
Unlimited deposits
Maintain a daily balance of
$2,500 or more to avoid a
monthly fee of $15
Up to 6 withdrawals per
statement cycle; excess
withdrawal fee of $5 each
Interest compounded daily
and paid monthly on daily
balances of $2,500 or more
Tiered rate based on
balances
Interest rates subject to
change
Monthly statement with check
images returned
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Commercial
Business Checking |
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Designed for businesses with
higher levels of checking
activity. This account offers
maximum flexibility and
convenience. Monthly fees are
determined by your account
activity, including checks
written, deposits made, and
banking services used. National
Bank & Trust will calculate an
“earnings credit” (calculation
is based on the month-end rate
of the 13-week auction of short
term U.S. Government treasury
bills as posted in the Money
Rates section of the Wall
Street Journal on the last
business day of each month). If
the value of your earnings
credit is less than your account
activity fees, your account will
be assessed the difference. |
Features:
Minimum balance to open $100
Non interest bearing account
Monthly statement with check
images returned
Subject to account analysis
Summary of costs:
$0.14
each debit (check)
$0.25 each credit (deposit)
$0.03 each transit item
$0.03 each on us item
$0.05 each ATM debit
$0.05 each ACH debit
$0.05 each ATM credit
$0.05 each ACH credit
$1.00 straps per 10 units
$1.00 coins per 10 rolls
$3.00 each returned item
$5.00 incoming wire
$12.00 monthly maintenance
fee
$20.00 outgoing wire
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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
-
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
Up to 3
withdrawals
per quarter
at no charge
Excess
withdrawal
fee of $2
each
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$100.00
minimum
opening
balance
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Interest
compounded
daily and
paid
quarterly on
daily
balances of
$100 or more
Interest
rate subject
to change
Maintain a
daily
balance of
$100 or more
to avoid a
$2 quarterly
fee
ATM Card
Make
unlimited
deposits and
withdrawals
at an NBT
ATM with no
transaction
fees
Fees may
apply for
transactions
at other
ATMs
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.
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:
Minimum to open $100
Unlimited deposits
Maintain a daily balance of
$100 or more to avoid a $2
quarterly fee
Up to 3 withdrawals per
quarter at no charge;
withdrawals in excess of 3
will incur a fee of $2 each
Interest compounded daily
and paid quarterly on
balances of $100 or more
Interest rate subject to
change
• Quarterly
statement |
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