Account Types Business Savings NSB Business CheckingNSB Business Preferred CheckingNSB Cash Management SweepNSB Community 150IORTAIOLTA
Perfect For: Everyday savings for any business or non-profit Business with moderate monthly activity Business of any size who wants the added benefit of earning interest  Automatic tranfers between checking and Repurchase Agreement**  Non-profit organizations    
Pays Interest: compounded daily, posted monthly* Yes   Yes     Yes Paid to VHFA* Yes Paid to VT Bar*
Minimum balance required to earn interest $500 N/A $50,000 N/A N/A $1 $1
Monthly Service Charge Waived with average daily balance of $500, or $5.00 per month Waived with average daily balance of $1,500, or $7.50 per month Waived with average daily balance of $50,000, or $15.00 per month

$50 for Repurchase Agreement (2 way)

$100 for Repurchsae Agreement (3 way)

None None None
Monthly Per item fee First 20 items free, $.40 per deposited item afterward First 500 items free, $.40 per item afterward (written or deposited) First 750 items a month are free,$.20 per item afterward (written or deposited) $.20 per item processed; $.15 per item deposited First 150 free, $.15 per item thereafter (written or deposited) None None
Minimum to Open $10 $10 $10 $10 $10 $10 $10
Debit Card Access None Yes Yes Yes Yes    
Free eNSB Online Banking with check images Yes Yes Yes Yes Yes    
eBillpay None No charge No charge No charge  No charge    
24-hour Phonebank Access Yes Yes Yes Yes Yes Yes  
Free Direct Deposit Yes Yes Yes Yes Yes Yes  
FDIC Insured up to legal limit Yes Yes Yes Yes Yes Yes  

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* Rates are subject to change after checking accounts are opened and fees may reduce earning.
** Click here for details on Repurchase Agreements