Rates & Fees

Interest rates on deposit accounts as of January 4, 2022. Click here to view our current Service Fees.

Deposit Accounts
Account	Annual Percentage Yield (APY)	Interest Rate
Primeline Checking	0.01%	0.01%
NOW Checking (balance less than $2,500)	0.01%	0.01%
NOW Checking (balance $2,500 or more)	0.01%	0.01%
Statement Savings	0.01%	0.01%
Holiday Club	0.01%	0.01%
Health Savings Account (balance less than $2,500)	0.01%	0.01%
Health Savings Account (balance $2,500 or more)	0.01%	0.01%

Certificates of Deposit
Term	Annual Percentage Yield (APY)	Interest Rate
90 days	0.01%	0.01%
6 months	0.01%	0.01%
12 months	0.03%	0.03%
18 months	0.03%	0.03%
24 months	0.04%	0.04%
36 months	0.04%	0.04%
48 months	0.05%	0.05%
60 months	0.07%	0.07%

IRA's - Traditional & Roth
Term	Annual Percentage Yield (APY)	Interest Rate
IRA Savings	0.01%	0.01%
12 months	0.03%	0.03%
18 months	0.03%	0.03%
24 months	0.04%	0.04%
36 months	0.04%	0.04%
60 months	0.07%	0.07%

Money Market Deposit Account
Daily Balance	Annual Percentage Yield (APY)	Interest Rate
0-$9,999.99	0.01%	0.01%
$10,000.00-$24,999.99	0.02%	0.02%
$25,000.00-$49,999.99	0.02%	0.02%
$50,000.00-$99,999.99	0.03%	0.03%
$100,000.00 +	0.03%	0.03%

Business Money Market Deposit Account
Daily Balance	Annual Percentage Yield (APY)	Interest Rate
0-$9,999.99	0.01%	0.01%
$10,000.00-$24,999.99	0.02%	0.02%
$25,000.00-$49,999.99	0.03%	0.03%
$50,000.00-$99,999.99	0.03%	0.03%
$100,000.00 +	0.04%	0.04%

Service Fees (effective September 1, 2020)

Account Fees
Return Item Charge	$36.00*
Overdraft Item Charge (per item)	$36.00
Maximum per day - Consumer	$216.00
Maximum per day - Commercial	$432.00
Return Deposit Item	$10.00
Stop Payment	$36.00
Cashier's Check	$5.00
Savings Overdraft Charge	$36.00
CD/IRA Early Withdrawal Penalty
Terms less than or equal to 12 months	3 months of interest
Terms greater than 12 months	6 months of interest
IRA Transfer (external)	$25.00
Holiday Club Early Closing	$5.00 & loss of interest
Dormant Fee (per month)	$5.00
Early Closing Fee (within 90 days)	$25.00
Undeliverable Statement	$5.00

* If an item is returned because the available balance in your account is not sufficient to cover the item and the item is presented for payment again, National Bank will charge a return item fee each time it returns the item because it exceeds the available balance in your account. If, on representment of the item, the available balance in your account is sufficient to cover the item National Bank may pay the item, and, if payment causes an overdraft, charge an overdraft fee.

Check Card/ATM Card
ATM Transactions (per use)
Non-National Bank ATM	$2.00
Non-customer at National Bank ATM	$3.00
Replacement Check Card	$5.00

Wire Transfers
Incoming - Customer	$10.00
Outgoing - Customer	$20.00
Outgoing - Primeline/Plus Package	$10.00
Outgoing - International	$65.00
Incoming - International	$10.00

Additional Services
Garnishments/Liens	$100.00
Collection Item	$20.00
Deposit/Loan Verification	$10.00
Letter of Verification (Real Estate)	$10.00
Check/Document Copy (per hour)	$20.00
Statement Copy	$3.00
Statement Reconciliation (per hour)	$25.00
Account Research (per hour)	$25.00

Safe Deposit Boxes
Size (inches)	Rental (yearly)
2 x 5	$25.00
2.5 x 5	$30.00
3 x 5	$30.00
4 x 5	$35.00
5 x 5	$45.00
3 x 10	$45.00
4 x 10	$50.00
5 x 10	$65.00
6 x 10	$65.00
6 x 11.5	$65.00
10 x 10	$95.00
12 x 12	$105.00
16 x 15.5	$150.00
Locker	$125.00
Key Replacement	$20.00
Drilling Fee	$250.00
Late Payment Fee	$10.00

The interest rate for all variable rate accounts may change after the account is opened. Account fees could reduce earnings on an account.