Whatever your needs, we have a checking account that will work for you. Already an NSB checking customer but want to change your account type? It's easy! Just visit your local branch or call us at 800-NSB-CASH and we can make a change for you.

Account TypesFree eCheckingNSB Basic CheckingNSB Preferred CheckingHealth Savings Account
Perfect For: Paper-free everyday checking needs Everyday checking needs Those with moderate balances who want to earn interest Individuals with high-deductible insurance

Open an Account Online

Click here Click here  N/A  N/A
Pays Interest: Compounded daily, posted Monthly1     Yes Yes
Minimum daily balance required to earn interest N/A N/A $1500
Monthly Service Charge None; eStatements and notices are required Waived with average daily balance of $7503 Waived with average daily balance of $1,5002 None
Minimum to open $10 $10 $10  $0
Debit card access Yes Yes Yes Yes
Unlimited use at over 100 Falcon and 55,000 Allpoint Network ATMs  Yes Yes Yes Yes
Free eNSB Online Banking with eBillPay and check images Yes Yes Yes Yes
24-hour Phonebank Access Yes Yes Yes Yes
Savings Overdraft Protection Available6 Yes Yes Yes  
Line of credit and Home Equity line of credit overdraft protection Available6 Yes Yes Yes  
Bounce Protection5 Yes Yes Yes  
Free Direct Deposit Yes Yes Yes Yes
Combined Statements: includes checking and savings account activity on one statement6 Yes Yes Yes  
Online Check Reordering Yes Yes Yes  
FDIC Insured up to legal limit Yes Yes Yes Yes

View Interest Rates »

1 Rates are subject to change after checking accounts are opened and fees may reduce earnings.
2 If balance drops below minimum, charges are $10/month
3 If balance drops below minimum, charges are $7.50/month.
5Click here for important information about Bounce Protection
6 Enrollment Required