Checking Accounts
With a variety of accounts and additional features like Online Banking and Online Check Orders, NCBT makes managing your checking account easy.
Mad Money Checking
With 4.25% APY1, life’s just a little more fun!
In today’s economy, we scrutinize every purchase and tend to deny ourselves simple pleasures that go a long way. With a Mad Money Checking account, you’re earning a 4.25% APY1 on your average balance. That’s extra money being added to your checking account.
Open a Mad Money account today. And start enjoying some of life’s simple pleasures.
Getting Started is Easy!
With as little as $50, you can open a Mad Money account, which includes:
- Free unlimited ATMs anywhere
- No monthly fees
- Online banking with Free BillPay
- VISA® Debit Card
- Free eStatements
- Phone Banking
- Mobile Banking
- Free first order of checks
Keeping it Up is Simple!
To stay at 4.25% APY1, the monthly statement cycle requirements are simple and easy:
- Receive eStatements
- Use your VISA® Debit Card a minimum of 10 times (non-ATM transactions)
- Have at least one Direct Deposit or Automatic Draft2
Totally Free Checking
With NCBT's popular no-hassle account, you get unlimited free checking with no fees or minimum balance requirement.
- $50 minimum opening balance
- No monthly fees
- No minimum balance
- Unlimited check writing
- Free unlimited ATMs anywhere
- Online Banking with Free Billpay
- Free eStatements
- Mobile Banking
- Phone Banking
- VISA® Debit Card
Interest Checking
Enjoy unlimited transactions, earn interest, and avoid a monthly fee by maintaining a specified minimum balance.
- $50 minimum opening balance
- Earns interest
- Unlimited check writing
- Free unlimited ATMs anywhere
- Online Banking with Free Billpay
- Free eStatements
- Mobile Banking
- Phone Banking
- VISA® Debit Card
Royal Checking
Royal Checking offers high value and expanded benefits, while paying a higher interest rate than Interest Checking.
- $50 minimum opening balance
- Earns interest
- Free Royal checks
- Free unlimited ATMs anywhere
- Four (4) free official checks per month
- Free Travelers Cheques
- Free standard safe deposit box3
- Online Banking with Free Billpay
- Free eStatements
- Mobile Banking
- Phone Banking
- VISA® Debit Card
VISA® Debit Card
Your NCBT VISA® Debit Card works just like a credit card except your purchases are deducted directly from your checking account. This card is accepted at most locations throughout the world that accept VISA®. It also functions as your ATM card.
Ready Reserve
Avoid the expense of accidentally overdrawing your account by signing up for Ready Reserve. With an unsecured line of credit up to $5,0004, its like giving yourself a loan when you needit most. Here's how it works: all you have to do is either write a check, use your ATM card, or VISA® Debit Card to access your Ready Reserve funds. It's as easy as that!
1APY means Annual Percentage Yield. Rate is accurate as of June 1, 2009. Rate subject to change after account opening. Minimum opening deposit is $50. If one or more requirements are not met, customer earns 0.05% APY on the entire balance for the month. Monthly statement cycle requirements to earn 4.25% APY are as follows: receive eStatements, use your VISA® Debit Card a minimum of 10 times (non-ATM transactions) and have at least one direct deposit or automatic draft completed by a third party. 4.25% APY is good for balances up to $25,000. An interest rate of 0.05% will be paid for that portion of your daily balance that is greater than $25,000. The annual percentage yield for accounts with balances greater than $25,000 will range from 4.25% to 1.1%, depending on the balance in the account. (This blended rate was calculated assuming a daily balance of $100,000). Interest rates may vary. Mad Money product is for personal accounts only.
2Automatic draft must be completed by a third party. BillPay transactions are excluded.
3Subject to availability.
4Subject to credit approval.
