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.

OVERDRAFT LINE OF CREDIT PROTECTION (ODP)

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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