Personal Banking

Bank with the people who bank on you.

Because we’re more concerned about your route in life than your routing number, NDBT offers a unique variety of personal banking account options to accommodate your specific needs and exceed your expectations. It’s your personal choice offered and serviced by our personable bankers.
Customers visiting in NDBT's Dallas banking center lobby

Personal Banking

Bank with the people who bank on you.

Because we’re more concerned about your route in life than your routing number, NDBT offers a unique variety of personal banking account options to accommodate your specific needs and exceed your expectations. It’s your personal choice offered and serviced by our personable bankers.  

Personal Banking Account Options

NDBT currently offers the following variety of consumer banking options. Each offers unique features to fit your personal banking style. All include access to your funds at any of our five North Texas bank center locations, through our consumer online banking available via desktop or mobile app, and through more than 55,000 ATM locations nationwide. Each also includes a selection of creative debit card art choices to reflect your personal style.

Personal Checking

Personal Checking provides a simplistic and easy way to bank. This account offers several ways to avoid a service charge and have a free account.

  • Minimum to Open – $100
  • Service Charge Per Cycle – $5
  • Minimum Balance to Waive Service Charge* – $750 Daily Balance

*service charge will also be waived with Direct Deposit or eStatement during statement cycle

Interest Checking

Earn interest on your deposits and avoid fees with minimum daily balance.

  • Minimum to Open – $100
  • Service Charge per Statement Cycle – $10
  • Minimum Balance to Waive Service Charge – $2,000 Daily Balance
  • Interest – Accrues daily; Credited to account monthly
  • Minimum Daily Balance to Earn Disclosed Annual Percentage Yield – $500

Celebration Club

An exclusive account for our customers 60 and older that offers several perks, including complimentary checks, money orders, and cashier’s checks.

  • Eligibility Requirement – Customers age 60 or older
  • Minimum to Open – $100
  • Service Charge Per Cycle – $12
  • Minimum Balance to Waive Service Charge – $3,000 Average Daily Balance
  • Interest – Accrues daily; Credited to account monthly

Premier Checking

Premier checking offers a variety of special features including complimentary checks, cashier’s checks, money orders, domestic wire transfers, a refund on domestic ATM fees and more.

  • Minimum to Open – $100
  • Service Charge per Statement Cycle – $20
  • Minimum Balance to Waive Service Charge – $25,000 combined daily balance in checking, savings, money market, CD and/or IRA accounts
  • Interest – Accrues daily; Credited to account monthly
  • Minimum Daily Balance to Earn Disclosed Annual Percentage Yield – $500

180 Banking

180 Banking is a debit card-only account that offers a fresh start, allowing you to build your banking history while giving you access to more financial opportunities in the future. It is also an ideal account if you are new to banking.

  • Minimum to Open – $20
  • Service Charge Per Cycle – $5*
  • No Overdraft or Returned Item fees

               *service charge waived with Direct Deposit or eStatement during
                statement cycle

Overdraft Banking Protection

Enjoy the security of funds available to cover unexpected overdrafts on your NDBT banking accounts. The Overdraft Banking Protection will advance in increments of $100.00 from your available balance, as needed, to cover items presented against your checking or debit account, avoiding potential non-sufficient funds fees. Enjoy affordable monthly payments that are based on your outstanding balance.

Comparison Chart of Personal Banking Options

Personal CheckingInterest CheckingCelebration ClubPremier Checking180 Banking
Eligibility RequirementsNoneNoneCustomers age 60 or overNoneNone
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 accountsDirect Deposit or eStatement during statement cycle
Interest Computation and CreditingN/AAccrues daily; Credited to the account monthlyAccrues daily; Credited to the account monthlyAccrues daily; Credited to the account monthlyN/A
Minimum Daily Balance to Earn Disclosed Annual Percentage YieldN/A$500None$500N/A
Additional Features and InformationService 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*
  • 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.

Find an NDBT Banking Center and ATM near you.

Addison | Dallas | Frisco | Las Colinas | Plano

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