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Non-Interest Bearing Checking Accounts
Interest Bearing Checking Accounts
Click here for our Service Fee Schedule
NSB Free Checking
This free account with unlimited check writing is a no-strings-attached way to manage you money; no minimum balance or direct deposit is required. We will also include your first order of basic personalized checks for free.
Super NOW Checking
This account is designed for individuals with moderate checking account balances who still wish
to earn interest.
Super Now Checking allows you to:
- Earn money on your checking account funds
- Eliminate service charges by maintaining a small minimum balance
- No service charges as long as average daily balance of $500 is maintained. If balance drops below minimum*, charges are $5/month and $.25 per check. Interest is earned every day that your balance is $500 or greater. (Rates are subject to change after checking accounts are opened and fees may reduce earnings.)
View Interest Rates >
Passport Club Checking - if you're 50 or better
Earn interest and receive special privileges!
Selected check styles are FREE. Minimum to open is $1000. And no service charge unless average daily balance falls below minimum* of $1000, then it's $10/month. Interest is earned every day that your balance is $500 or greater. (Rates are subject to change after checking accounts are opened and fees may reduce earnings.)
See Passport Club
View Interest Rates >
Mega Money Market Checking
Designed for people who maintain a higher balance in their checking account and who want to earn interest on these funds. The Mega Money Market checking account offers you the convenience of a checking and a savings in one account.
Additional features include:
- No transaction limits, unlike many traditional Money Market accounts
- The opportunity to earn more money since higher balances are rewarded with higher interest rates
- No service charges as long as an average daily balance of $10,000 is maintained. If balance drops below minimum, there is a monthly charge of $10 plus $1 per check processed. (Rates are subject to change after checking accounts are opened and fees may reduce earnings.)
View Interest Rates >
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Health Savings Accounts
Health Savings Accounts are a financial tool for individuals with high-deductible insurance plans to manage future medical expenses.* NSB's Health Savings Account (HSA) offers flexibility and convenience for managing your health care costs. You can use your HSA to pay for qualified medical expenses such as yearly physicals, prescription medicines, dental and vision care for yourself, your spouse, or your dependent children.
Account benefits include:
- Competitive rates
- Unlimited check writing and a special debit card
- No minimum balance requirement to begin earning interest
- Interest is compounded daily and posted monthly
- Contributions are tax-deductible and earnings are tax-free provided they are used for qualified medical expenses
Savings Overdraft Protection is not available on HSA accounts.
*Consult your tax advisor to determine if you qualify for an HSA. Additional information may be found at the U.S. Treasury website - http://www.treas.gov/offices/public-affairs/hsa/
View Interest Rates >
*Our minimum balance requirement is the average daily balance that must be maintained to avoid service charges. Your balance can fall below the minimum during the month without resulting in charges as long as you maintain the required average.
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