Personal Banking
Bank with the people who bank on you.
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 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 |
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* Contents of a leased Safe Deposit Box are NOT insured by any government insurance program, the FDIC or NDBT.
