Free Checking
A straightforward account with no monthly service charge, no minimum balance, unlimited transactions, and paper statements included.
- Minimum opening deposit: $50
- Online & mobile banking access
- Debit card included
Community Banking • Since 1868
Digital banking built around your life
Manage checking, savings, cards, and loans with secure online banking, real‑time alerts, and mobile payments. Get local decisions and personal service from a community‑focused team.
Checking accounts
Choose from Free Checking, Free Reward Checking, Care‑Free Card Account, and Interest Checking. Enjoy unlimited check writing and no overdraft fees with select accounts. Foreign ATM fee refunds may be available when qualifications are met within the cycle.
Free Reward Checking
Keep everyday banking simple and earn rewards when you meet easy monthly qualifications.
- Refunded foreign ATM fees (up to $25/month) when qualified
- No overdraft fees
- Unlimited check writing
Interest Checking
Earn interest on balances with classic features and everyday convenience.
- Minimum balance: $500; monthly service: $8
- Unlimited check writing; paper statements included
- Opening deposit: $500
Savings & CDs
Traditional Savings
Start saving with an opening deposit as low as $100. Earn interest on collected balances and set up automatic transfers from NVB transactional accounts.
If the average daily balance falls below $100, a $3 monthly service charge may apply; inactivity fees can apply after 12 months under $100.
Young Savers
For minors under 18: open with $25, no monthly service charge, no minimum balance, and interest on collected balances. A parent or guardian must be a co‑owner.
Certificates of Deposit
Lock in a competitive fixed rate with a range of terms. Combine with a savings or checking account for automatic interest transfer.
Online & Mobile Banking
Online Banking
- Secure access to accounts with up‑to‑the‑minute transaction updates
- Transfers between NVB accounts, including loan payments
- Export to Quicken®, QuickBooks®, or Excel
- Bill pay, alerts, and online statements
NVB Card Controls
- Instantly turn cards on/off and set real‑time alerts
- Push cards to Apple Pay® and Google Pay™
- Spend insights with clear merchant details and maps
- View a secure digital card and reset your PIN
Mobile Payments
- Use Apple Pay®, Google Pay™ or Samsung Pay® in‑store and in apps
- Device Account Numbers add an extra layer of security
- Zero liability protections for eligible cardholders
Business banking & treasury tools
Cash Management
Streamline payables and receivables with ACH origination, wires, and reconciliation.
Positive Pay available
Merchant Services
Accept cards in‑person and online with service designed for local businesses.
Payroll & Bill Pay
Automate payroll and vendor payments with dedicated support.
Lending for home, auto, business, and agriculture
Home Loans
Work with local lenders from application to closing for a smooth experience.
Business & Ag Loans
Lines of credit, equipment financing, commercial real estate, and agricultural lending tailored to your operation.
Guides & resources
How to choose the right checking account
Start with how you bank day‑to‑day. If you prefer straightforward budgeting with no monthly fees and unlimited transactions, a free account is typically the best fit. If you regularly keep higher balances, an interest‑bearing account may help you earn while you pay bills. For those who want a debit‑only setup, a card‑based account can provide flexibility without traditional checks.
- Consider ATM usage: Some accounts refund foreign ATM fees when monthly requirements are met.
- Watch minimums: Interest accounts often require a higher opening deposit and a minimum balance to avoid a service charge.
- Don’t forget paper statements: If you need them, choose an account that includes statements at no added cost.
Online banking safety checklist
Enable real‑time alerts, use a unique passphrase, and turn on biometric login on your mobile device. When traveling, use card controls to temporarily disable your debit card or restrict transactions outside your region. Review your statement each month and export transactions for recordkeeping.
What is Positive Pay?
Positive Pay helps businesses prevent check fraud by matching issued checks against those presented for payment. Exceptions are flagged for review, helping protect your cash flow. It’s typically paired with ACH filters and blocks for comprehensive protection.
Frequently asked questions
Do I need a minimum balance for Free Checking?
No minimum balance is required, and there’s no monthly service charge. The minimum opening deposit is $50.
Can I turn my debit card on and off from the app?
Yes. Use Card Controls in the mobile app 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® are supported for quick, secure purchases in‑store and in apps.
Open an account or get answers
Have questions about accounts, online banking, or loans? Call the number below or reach out to a local branch for personalized help.