Free Checking
Everyday banking with no monthly service charge and no minimum balance.
- Opening deposit from $50
- Online and mobile banking
- Debit card included
Community Banking • Since 1868
Online banking designed for everyday life
Use secure online and mobile tools to manage checking and savings, control cards, pay bills, and connect mobile wallets. Get local decisions from lenders who know your community.
Checking accounts
Pick the account style that fits your routine. Unlimited check writing is available with select accounts.
Free Reward Checking
Keep banking simple and earn rewards when you meet easy monthly qualifications.
- Foreign ATM fee refunds up to $25/month when qualified
- No overdraft fees
- Unlimited check writing
Interest Checking
Earn interest on balances while keeping classic features you expect.
- Minimum balance $500; monthly service $8
- Unlimited check writing; paper statements included
- Opening deposit $500
Savings & CDs
Traditional Savings
Open with as little as $100 and earn interest on collected balances. Add automatic transfers from NVB transactional accounts.
If the average daily balance falls below $100, a $3 monthly service charge may apply; inactivity fees may apply after 12 months under $100.
Young Savers
For those under 18: open with $25, no monthly service charge or minimum balance, and interest on collected balances. A parent or guardian is a co‑owner.
Certificates of Deposit
Choose from a range of terms for a fixed rate. Pair with your accounts for automatic interest transfer.
Online & mobile features
Online Banking
- Up‑to‑the‑minute transaction details
- Transfers between NVB accounts and loan payments
- Export to Quicken®, QuickBooks®, or Excel
- Bill pay, alerts, and online statements
Card Controls
- Instant card on/off and real‑time alerts
- Add to Apple Pay® and Google Pay™
- Spending insights with clear merchant details and maps
- View a secure digital card and reset your PIN
Mobile Payments
- Apple Pay®, Google Pay™, and Samsung Pay®
- Device Account Numbers add security
- Zero liability protections for eligible cardholders
Business banking & treasury
Cash Management
Manage receivables and payables with ACH origination, wires, and reconciliation.
Positive Pay
Merchant Services
Accept cards online and in person with solutions built for local businesses.
Payroll & Payables
Automate payroll and vendor payments with support from a local team.
Lending for home, auto, business, and agriculture
Home Loans
From application to closing, work with lenders who live and work in your community.
Business & Ag Loans
Lines of credit, equipment financing, commercial real estate, and agricultural lending tailored to your operation.
Guides & resources
Choosing a checking account that fits
Start with your daily habits. If you prefer no monthly fees and unlimited transactions, a free account is often the best pick. Keep higher balances? An interest‑bearing account lets you earn while paying bills. Prefer a debit‑only setup? A card‑based account can simplify your budget.
- ATM use: Some accounts refund foreign ATM fees when qualifications are met each cycle.
- Balance minimums: Interest accounts may require a higher balance to avoid a service charge.
- Paper statements: Pick an account that includes the documents you need without extra fees.
Security checklist for online banking
Enable alerts, use a unique passphrase, and turn on biometric login. When traveling, use card controls to limit usage. Review your statement monthly and export transactions for records.
How Positive Pay helps
Positive Pay compares issued checks to those presented for payment. Exceptions are flagged for your review to reduce fraud risk, especially when paired with ACH filters and blocks.
Frequently asked questions
Is there a minimum balance for Free Checking?
No minimum balance is required and there is no monthly service charge. The minimum opening deposit is $50.
Can I control my debit card from the app?
Yes. Use Card Controls to toggle your card, set alerts, view a secure digital card, and more.
Which mobile wallets are supported?
Apple Pay®, Google Pay™, and Samsung Pay®.
Open an account or talk with us
Have questions about accounts, online banking, or loans? Call the number below or contact a local branch.