Checking
Personal Checking Options
The Ultimate Checking Package
NB&T offers you several of the best checking options available from any competing financial institution...and it comes with our "Focused on You" personal service! The checking package designed for the way you live! Available with every NB&T checking option!
- Debit Card with Debit Rewards
- 37,000 surcharge-free ATMs nationwide
- Free Online Banking
- Free Online Bill Pay
- Free Mobile Banking
- Free eStatements
- Direct Deposit
- Savings Account
- Personal Net Worth Review
- Customized Insurance Review
- Personalized Investment Portfolio Review
Click here to access the customized NB&T Checking Evaluator.
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Focus Checking
A no worries checking account. Enjoy having no worries of daily minimum balances. For only $7 per month you have access to your checking account 24 hours a day.
- Enjoy unlimited check writing.
- Receive custom design checks for free or $7 for select design checks (excludes Masterpiece).
- Get a free 3”x5” Safe Deposit Box (subject to availability; annual fees apply after one year).
- For 24/7 access, don’t forget to take advantage of the free National Bank and Trust Debit Card, Online Banking, Online Bill Pay and Mobile Banking.
- Includes Bonus Benefits of $5,000 Travel Accident Insurance, Pharmacy Savings Program, Vision Savings Program, Local and National Dining Discounts & much more!
- Open the Focus Checking account with only $50.
Check out the special BONUS BENEFITS.
Infinity Checking
The account built for the person who enjoys life, wants interest and seeks the best package deal available! This account is perfect for the active lifestyle. Earn interest when you carry a minimum daily balance of $10,000 or more. In order to avoid a monthly $12 service charge, you must maintain a $2,500 daily balance or a $10,000 average current balance in any combination of checking, savings, IRA, CD or personal investment accounts. You must be the primary owner of the accounts to qualify.
- Earn interest on balances over $10,000.
- Incur No monthly service charge with $2,500 minimum daily balance -OR- $10,000 in combined accounts, otherwise a $12 monthly service charge.
- Enjoy unlimited check writing.
- Receive custom design checks for free or $7 for select design checks (excludes Masterpiece).
- Use up to 3 No Fee Cashier's Checks or Money Orders per month.
- Receive a free 3”x5” Safe Deposit Box (subject to availability; annual fees apply after one year).
- For 24/7 access, don’t forget to take advantage of the free National Bank and Trust Debit Card, Online Banking, Online Bill Pay and Mobile Banking.
- Open the Infinity Checking account with only $50.
- Special Checking Tip: Bonus Benefits included with the Infinity Checking account for no additional monthly fee!
Free Checking
It’s better than just free. This basic checking account enjoys no monthly service charge and no minimum balance requirement.
- Enjoy unlimited check writing.
- For 24/7 access, don’t forget to take advantage of the free National Bank and Trust Debit Card, Online Banking, Online Bill Pay and Mobile Banking.
- Open the Free Checking account with only $50.
- Ask about our special "Student Checking" specials that accompany our Free Checking for qualifying students.
- Special Checking Tip: Use your NB&T Debit Card for easier purchasing and to build reward points for routine spending!
Focus 50 Checking
For the active, experienced lifestyle. Earn interest when you carry a minimum daily balance of $10,000 or more. In order to avoid a monthly $8 service charge you must maintain a $100 minimum daily balance. For our customers 50 years old and better.
- Enjoy unlimited check writing.
- Earn interest on balances over $10,000.
- Receive custom design checks for free or $7 for select design checks (excludes Masterpiece).
- For 24/7 access, don’t forget to take advantage of the free National Bank and Trust Debit Card, Online Banking, Online Bill Pay and Mobile Banking.
- Open the Focus 50 Checking account with only $50.
Focus 50 Plus Checking
For the active, experienced lifestyle with extra benefits included! Earn interest on balances over $10,000 with no minimum balance requirement. A monthly $5 service charge provides access to Bonus Benefits with over $800 in savings and discounts. For our customers 50 years old and better.
- Enjoy unlimited check writing.
- Earn interest on balances over $10,000.
- Receive custom design checks for free or $7 for select design checks (excludes Masterpiece).
- Use up to 3 No Fee Cashier's Checks or Money Orders a month.
- 50% discount on all safe deposit boxes (subject to availability)
- For 24/7 access, don’t forget to take advantage of the free National Bank and Trust Debit Card, Online Banking, Online Bill Pay and Mobile Banking.
- Open the Focus 50 Plus Checking account with only $50.
- Special Checking Tip: Packed with value, our Focus 50 Plus offers over $800 in potential savings each year!
