Savings

Personal Savings Options

Establishing a savings account and a savings goal at NB&T is an important step in your financial future. Use our handy Savings Calculator to help with setting your goals and savings process!

Regular Savings

This is the traditional savings account for those wanting to create a savings habit.

  • Minimum opening balance of $10.
  • No minimum balance to earn interest.
  • Interest is compounded daily and credited monthly.
  • No monthly service charge with a minimum daily balance of $250; otherwise, $3 per month service charge.
  • You are allowed two withdrawals per cycle at no charge. $1 is charged for each additional withdrawal.*

Payroll Plus Savings

Have your paycheck directly deposited into this savings account and receive added benefits.

  • Minimum opening balance of $50.
  • No minimum balance to earn interest.
  • Interest is compounded daily and credited monthly.
  • No monthly service charge with a minimum daily balance of $250; otherwise, $3 per month service charge.
  • 3”x5” safe deposit box – First year annual rental fee waived.**
  • Official Checks – Up to three per month (no fee).
  • You are allowed six withdrawals per cycle at no charge. $1 is charged for each additional withdrawal.*

Holiday Club

Meet each year's holiday expenses without worry when you use our Holiday Club Account. Each week, deposit a set amount in this 50-week account.

  • Minimum opening balance of $1.
  • No minimum balance to earn interest.
  • Interest is compounded daily and credited every 12 months.
  • Holiday Club accounts can be opened beginning the third week of October. Club checks are directly deposited at the end of the following October.
  • If you close your account before interest is credited, you will not receive the accrued interest.

The Really Awesome Dollars (RAD) Account

A fun way to save and learn! This account is for our customers under age 18 and helps teach them about the value of saving money and setting a goal.

  • Minimum opening balance of $1.
  • No minimum balance to earn interest.
  • Interest is compounded daily and credited quarterly.
  • You are allowed six withdrawals per cycle at no charge. $1 is charged for each additional withdrawal.*

Money Builder Account

A savings account built for the serious saver. Our highest yielding savings account with easy savings and easy access.

  • Minimum opening balance of $10,000.
  • Tiered interest on balances over $10,000.
  • Interest is compounded monthly and credited monthly.
  • No monthly service charge with a minimum daily balance of $10,000; otherwise, $25 per month service charge.
  • Offers check access.
  • You are allowed six withdrawals per cycle at no charge. $3 is charged for each additional withdrawal.*

* For all savings accounts, you are allowed six withdrawals per statement cycle. If in a given cycle six withdrawals are exceeded, we may move you to a transaction account.

**Subject to availability. Annual fees apply after one year.

A $50 closing fee is applied to all accounts if the account is closed within the first six months.