Bank with the the people who bank on you.

We’re more concerned about your route in life than your routing number. As such, NDBT offers a unique variety of personal banking account options to accommodate your needs and exceed your expectations. The following accounts include online and phone banking, bill pay and e-statements in order to provide you with the most convenient banking relationship. Open your Personal Banking account now by visiting one of our banking centers today.


Enjoy the security of a line of credit in place to cover unexpected overdrafts on your NDBT checking account. ODP will advance in increments of $100.00 from your available line balance, as needed, to cover items presented against your checking avoiding potential non-sufficient funds fees. Enjoy affordable monthly payments that are based on your outstanding revolving balance.

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Personal Checking Interest Checking Celebration Club Premier Checking 180 Banking
Eligibility Requirements None None Customers age 60 or over None None
Minimum to Open $100 $100 $100 $100 $20
Service Charge per Statement Cycle $5 $10 $12 $20 $5
Minimum Balance to Waive Service Charge $750 Daily Balance $2,000 Daily Balance $3,000 Average Daily Balance $25,000 combined average daily balance in checking, savings, money market, CD and/or IRAs accounts Direct Deposit or eStatement during statement cycle
Interest Computation and Crediting N/A Accrues daily; Credited to the account monthly Accrues daily; Credited to the account monthly Accrues daily; Credited to the account monthly N/A
Minimum Daily Balance to Earn Disclosed Annual Percentage Yield N/A $500 None $500 N/A
Additional Features and Information Service charge will also be waived with direct deposit or eStatement during statement cycle. N/A
  • Exclusive Travel and Special Events
  • Complimentary Celebration Club Checks, Cashier’s Checks, Money Orders, Domestic Wire Transfers
  • Annual discount on Safe Deposit Box Rental Fees*
  • Dedicated Bank Officer
  • Complimentary Checks, Cashier’s Checks, Money Orders, Domestic Wire Transfers
  • Refund Domestic ATM Fees
  • Each related account used for combined balances must be held with NDBT and is subject to minimum balance requirement per account type
  • No overdraft or returned item fees
  • No checks may be written against this account type
* Contents of a leased Safe Deposit Box are NOT insured by any government insurance program, the FDIC or NDBT.

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