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Checking Account Comparison

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 addons!

What account is best for me?

Let us help you find the right checking account for you.

Personal Checking Accounts Comparison Chart

Comparison table of personal checking accounts.
  Free Checking Relationship Checking Step-Up Checking Personal Interest Checking Money Market Investment
Free Exchange OnLine Yes Yes Yes Yes Yes
Free Exchange Line Yes Yes Yes Yes Yes
CheckCard or ATM Card with no annual fee Yes Yes Yes Yes Yes
Free Check Safekeeping with no charge for up to 3 copies of checks Yes Yes Yes Yes Yes
No minimum balance with a NEBAT Mortgage Loan   Yes      
No minimum balance with payroll direct deposit   Yes      
Unlimited Check Writing Yes Yes   Yes  
Free Exchange OnLine Bill Pay   Yes Yes Yes Yes
Reduced annual fee on personal line of credit   Yes   Yes Yes
Interest Paid on Balance       Yes Yes
Interest that fluctuates with account balance         Yes
No minimum balance to maintain Yes        
Overdraft Privilege Yes Yes   Yes  
Eligible for Rewards, such as ATM fee refunds     Yes    
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Reorder Checks

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.

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