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Personal
Checking Accounts
Which
checking account is right for you?
Determine your checking account wants and needs.
How do you use a checking account?
- How
many checks do you write each month?
- How
often do you use an ATM in a month?
- On
the average, how much money is usually in
your checking account?
What
do you want in a checking account?
- Do
you want your checking account to earn interest?
- Do
you want complimentary checks included with
the account?
- Would
you like a bonus interest rate on a certificate
of deposit?
- Would
you like an account that includes a safe deposit
box? No fee for Travelers Checks, Money Orders,
or Cashiers Checks?
Match
Your Needs and Wants to the features of each
account shown on the following chart.
|
Account
|
Minimum Opening Deposit
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No-Charge Min. Daily Balance
|
Monthly Service Charge
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Charge Per Check Or Electronic
Transaction
|
Complimentary Checks
|
Interest Paid
|
Fee for Traveler’s Checks
|
Fee for Cashier's Checks, Money
Orders
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Free Safe Deposit Box
|
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Infinity
|
$50
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$2,500 (Infinity) or $10,000*
|
$12
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No^
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Custom Design Free or $7.00 for
Select Design****
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Yes
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Noi
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Up to 3 per month
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Free 3” by 5”
|
|
Focus
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$50
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NA
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$7
|
No^
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Custom Design Free or $7.00 for
Select Design****
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No
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Noi
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Yes
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Free 3” by 5”***
|
|
Focus 50
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$50
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$100
|
$8
|
No^
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Custom Design Free or $7.00 for
Select Design****
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Yes
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Noi
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Yes
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No
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Focus 50 Plus
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$50
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NA
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$5
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No^
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Custom Design Free or $7.00 for
Select Design****
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Yes
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Noi
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Up to 3 per month
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50% Discount
|
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Free
|
$50
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NA
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Free4
|
No^
|
No
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No
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Yes
|
Yes
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No
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Schedule
of Fees
^A
$1.00 fee may apply for withdrawals done at
Non-NBT ATMs.
*$10,000
may be derived from average current balance
in any combination of Checking, Savings, IRA,
CDs, or Personal Investment Accounts. You must
be the primary owner of the accounts to qualify..
**Requires
minimum daily balance.
***Standard
Box Free for One Year (based on availability).
****Select
Design "Excludes" Masterpiece.
iRegular Traveler's Checks only.
4Bonus Benefits are available for
$5 per month.
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