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Small Business Checking
  • $100 Opening Balance
  • Maintenance fee $10.00
  • First 250 checks/debit items free
  • $0.25 per check/debit in excess of free items
  • First 250 deposits/credit items free
  • $0.25 per deposit/credit in excess of free items
  • Free Online Banking
  • Free Debit Card
  • Imaged monthly bank statement. $5.00 per month fee if checks returned.


Free Business Checking
  • $100 Opening Balance
  • No Maintenance Fee (unless exceed allowable items)
  • First 150 checks/debit items free
  • $0.50 per check/debit in excess of free items
  • First 150 deposits/credit items free
  • $0.50 per deposit/credit in excess of free items
  • Free Online Banking
  • Free Debit Card

Business NOW Account

For individuals, sole proprietors, husbands and wives operating unincorporated businesses, and non-profit corporations and organizations. (No Corporations)

  • $100 Opening Balance
  • Maintenance fee - $12.00. Waived if you maintain $5,000.00 minimum daily balance
  • A minimum daily balance of $5,000.00 is required to earn interest.
  • Tiered interest rate structure based on minimum daily balance
    • Tiers: $5,000.00 to $24,999.99
    • $25,000.00 and above
  • Free Online Banking
  • Free Debit Card
  • Imaged monthly bank statement. $5.00 per month fee if checks returned.


Non-Profit Checking
  • $100 Opening Balance
  • Maintenance fee - $5.00. Waived if you maintain $100.00 minimum daily balance.
  • Imaged monthly bank statement
  • Free Online Banking


IOTA Checking Account
  • $100 Opening Balance
  • Tiered interest rate structure based on minimum daily balance
    • Tiers: $0 to $4,999.99
    • $5,000.00 - $9,999.99
    • $10,000.00 - $24,999.99
    • $25,000.00 - $49,999.99
    • $50,000.00 and above
  • Unlimited number of checks/debit items free
  • Unlimited number of deposits/credit items free
  • Unlimited number of deposited items free
  • Imaged monthly bank statement
  • Free Online Banking


Commercial Analysis Account

A monthly account analysis determines the monthly balance available to reduce or eliminate any service charges. An earnings allowance, computed using the positive average collected balance, less 10% reserve requirement, is used to offset analysis activity charges each month. This allowance is based on current market rates and is subject to change. The following criteria apply:

  • $100 Opening Balance
  • Monthly Maintenance fee - $10.00
  • $0.12 per check/debit item posted
  • $0.25 per deposit/credit item posted
  • $0.10 per deposited item
  • Imaged monthly bank statement
  • Accounts with a negative daily collected balance will be charged at a rate of NCB's Prime Rate + 2% on the negative daily collected balance in addition to other activity charges.
  • Free Online Banking


Commercial Money Market
  • $100 Opening Balance
  • $13.00 maintenance fee waived if you maintain $2,500.00 minimum daily balance.
  • A minimum daily balance of $2,500.00 is required to earn interest.
  • Tiered interest rate structure is based on daily minimum balance.
    • Tiers
    • $2,500.00 to $4,999.99
    • $5,000.00 to $24,999.99
    • $25,000.00 to $99,999.99
    • $100,000 to $499,999.99
    • $500,000 and $749,999.99
    • $750,000 and Over
  • Free Online Banking
  • Free Online Bill Payment
  • Email Monthly bank statement or image statement
  • You may make no more then 6 withdrawals from your account per month or statement cycle. Additional debits are $10.00 each regardless of balance. If an account continuously exceeds the debit transaction allowed, the bank is required by law to reclassify or close the account.


Business Savings
  • $100 Opening Balance
  • $2.00 maintenance fee waived if you maintain $500.00 minimum daily balance.
  • Interest – Maintain $100.00 minimum daily balance
  • Limit three (3)withdrawals/debits (per quarter)
  • Excessive activity fee – $3.00 per item, over (3)
  • Free Online Banking


FDIC

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