Personal Checking and Money Market Accounts

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.

Accounts with a balance of $10.00 or below with no activity after 11 months may be subject up to a $10.00 fee and closure.


NBT Free

"No frills" account for customers on-the-go.

  • Minimum deposit of $100.00 to open account
  • NBT In-house wallet checks at no charge
  • Debit Card
  • Free Internet/Mobile Banking
  • Free Bill-Pay & eStatements
  • Free Telephone Banking
  • Overdraft available: $150.00; $400.00 with direct deposit by request
  • Monthly Statement

NBT Checking

Basic checking account. The convenience of a checking account with added benefits.

  • Minimum deposit of $100.00 to open account
  • Maintain a daily balance of $500.00 to avoid a monthly service charge
  • NBT In-house wallet checks at no charge
  • Debit Card
  • Free Internet/Mobile Banking
  • Free Bill-Pay & eStatements
  • Free Telephone Banking
  • Overdraft available: $150.00; $400.00 with direct deposit by request
  • No monthly service charge with 5 or less withdrawals per statement cycle
  • No per item charge
  • Monthly Statement with check images

NBT Now

Interest bearing checking account

  • Minimum deposit of $1,000.00 to open account
  • Maintain a daily balance of $1,000.00 to avoid a monthly service charge
  • Interest compounded daily and paid monthly on daily balances of $1,000.00 or more
  • Interest rate subject to change
  • NBT In-house wallet checks at no charge
  • Debit Card
  • Free Internet/Mobile Banking
  • Free Bill-Pay & eStatements
  • Free Telephone Banking
  • Overdraft available: $150.00; $400.00 with direct deposit by request
  • No per item charge
  • Monthly Statement with check images

NBT Money Market

An account for anyone who has limited withdrawals and prefers a higher interest rate.

  • Minimum deposit of $2,500.00 to open account
  • Unlimited deposits
  • Up to 6 withdrawals monthly at no charge
  • Interest compounded daily and paid monthly on daily balances of $2,500.00 or more
  • Tiered rate based on balances
  • Interest rates subject to change
  • Maintain a daily balance of $2,500.00 or more to avoid a monthly service charge
  • 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 images

NBT Star

Preferred account for those customers who want to capitalize by maintaining a higher balance.

  • Minimum deposit of $10,000.00 to open account
  • Maintain a daily balance of $10,000.00 to avoid monthly service charge
  • Interest compounded daily and paid monthly on daily balances of $10,000.00 or more
  • Tiered rate based on balance
  • Interest rates subject to change
  • NBT In-house wallet checks at no charge
  • Debit Card
  • Free Internet/Mobile Banking
  • Free Bill-Pay & eStatements
  • Free Telephone Banking
  • Overdraft available: $150.00; $400.00 with direct deposit by request
  • No per item charge
  • Monthly Statement with check images

NBT Senior 65+

Basic checking account plus much more designed especially for our customers who are young at heart.

  • Minimum deposit of $100.00 to open account
  • NBT In-house wallet checks at no charge
  • Debit Card or ATM Card
  • Free Internet/Mobile Banking
  • Free Bill-Pay & eStatements
  • Free Telephone Banking
  • Overdraft avaialble: $150.00; $400.00 with direct deposit by request
  • 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 with check images
  • Limit one account per customer

NBT Student

Perfect starter account for students to experience personal banking at its best.

  • Minimum deposit of $50.00 to open account
  • In-house Leopard checks or In-house NBT wallet checks at no charge
  • Debit Card (if student has valid photo ID)
  • Free Internet/Mobile Banking
  • Free Bill-Pay & eStatements
  • Free Telephone Banking
  • Monthly Statement
  • Limit one account per student