You have a choice of simple options that meet your needs. And it’s not just about checks anymore. A CheckCard with Rewards, Online Banking, Bill Payment and more are great add-ons!
What account is best for me?
Personal Checking Accounts Comparison Chart
| Free Checking | Relationship Checking | Step-Up Checking | Personal Interest Checking | Money Market Investment | |
|---|---|---|---|---|---|
| Free Exchange OnLine |  |
|
|
|
|
| Free Exchange Line | |
|
|
|
|
| No annual fee CheckCard with ScoreCard Rewards or ATM Card | |
|
|
|
|
| Free Check Safekeeping with no charge for up to 3 copies of checks | |
|
|
|
|
| No minimum balance with a NEBAT Mortgage Loan | |
||||
| No minimum balance with a monthly minimum direct deposit | |
||||
| Unlimited Check Writing | |
|
|
||
| Free Exchange OnLine Bill Pay | |
|
|
|
|
| Reduced annual fee on personal line of credit | |
|
|||
| Interest Paid on Balance | |
|
|||
| Interest that fluctuates with account balance | |
|
|||
| No minimum balance to maintain | |
||||
| Overdraft Privilege | |
|
|
||
| Eligible for account specific rewards, such as ATM fee refunds | |
||||
| Learn More |
Learn More |
Learn More |
Learn More |
Learn More |
Overdraft Protection
Have you ever...
-
Made a mistake in your checkbook?
- Forgotten to record a deposit? A purchase? A withdrawal? A check order?
- Had to “guess” at what transactions a joint owner has made?
- Had a transaction denied or turned down at checkout?
- Had the embarrassment and expense of a returned check?
We understand that mistakes and unexpected expenses happen that create a time when a transaction you authorize exceeds the funds in your account. To protect you from checking account overdrafts we offer a number of options.
Savings Transfer
Link your savings to your checking account and funds are automatically transferred $100 increments to bring the balance above $0.
Personal Line of Credit
Your own pre-approved loan that automatically transfers money to your checking account when transactions exceed your balance.
Overdraft Privilege
A part of many qualifying checking accounts with us. If you would like ODP service applied to everyday CheckCard transactions, please contact us.
Overdraft Privilege (ODP)
Rather than automatically returning, unpaid, all insufficient funds items that you may have, we will consider payment of your reasonable overdrafts up to your assigned ODP Limit. ODP is a privilege on qualifying National Exchange Bank & Trust checking accounts.
You do not have to apply for this service. It is already a part of many checking accounts with us.
