In observance of Juneteenth, National Grand Bank Offices will be closed Wednesday, June 19, 2024 .

Personal Checking Accounts

Compare National Grand Bank’s personal checking accounts

FEATURE/BENEFIT BASIC PERSONAL NOW STUDENT 18/65
Learn More Learn More Learn More Learn More Learn More
Minimum Opening Deposit $10$10$10$10$10
Free Online Banking & Bill Pay NGB Checkmark NGB Checkmark NGB Checkmark NGB Checkmark NGB Checkmark
Free MasterMoney Debit Card NGB Checkmark NGB Checkmark NGB Checkmark NGB Checkmark NGB Checkmark
MasterMoney Cashback Rewards NGB Checkmark NGB Checkmark NGB Checkmark NGB Checkmark NGB Checkmark
Free NGB ATM Transactions NGB Checkmark NGB Checkmark NGB Checkmark NGB Checkmark NGB Checkmark
Overdraft Protection NGB Checkmark NGB Checkmark NGB Checkmark  NGB Checkmark
Overdraft Transfer NGB Checkmark NGB Checkmark NGB Checkmark  NGB Checkmark
Images of Checks in Statements NGB Checkmark NGB Checkmark NGB Checkmark NGB Checkmark NGB Checkmark
Free eStatements NGB Checkmark NGB Checkmark NGB Checkmark NGB Checkmark NGB Checkmark
Interest Bearing   NGB Checkmark   NOW Only
Free NGB Checks    NGB Checkmark NGB Checkmark
No Minimum Balance NGB Checkmark   NGB Checkmark NGB Checkmark

Personal Checking – (Basic)

Features/Benefits:

  • Unlimited use of NGB ATMs **
  • Overdraft Transfer Available
  • Overdraft Protection Available ***
  • $1 Monthly Service Fee * 
  • No Minimum Balance Requirement
  • $10 Opening Deposit 
* Direct Deposit required to avoid monthly maintenance fee plus $1 per item after 15 paid checks, ATM withdrawals, POS or ACH transactions
** With Direct Deposit 

*** With Credit Approval 

Personal Checking – (Personal)

Features/Benefits:

  • FREE Online/Mobile Banking
  • FREE Bill Pay
  • FREE eStatements
  • FREE NGB MasterMoney Debit Card
  • FREE MasterMoney Cashback Rewards
  • Unlimited ATM/Debit Card Transactions **
  • Unlimited use of NGB ATMs **
  • Overdraft Transfer Available
  • Overdraft Protection Available ***
  • $300 Daily Minimum Balance *
  • $10 Opening Deposit 
*  Minimum Balance or Direct Deposit required to avoid monthly maintenance fee of $2 plus $0.25 per item 

** With Direct Deposit or when Minimum Balance is maintained 

*** With Credit Approval 

Personal Checking – (Now)

Features/Benefits:

* Minimum Balance required to avoid monthly maintenance fee or $10 plus $0.30 per item 

** When Minimum Balance is maintained
*** With Credit Approval 


Personal Checking – (Student)

Features/Benefits:

  • FREE Online/Mobile Banking
  • FREE Bill Pay
  • FREE eStatements
  • FREE NGB MasterMoney Debit Card
  • FREE MasterMoney Cashback Rewards
  • FREE First Check Order (50 NGB Checks) 
  • Unlimited Debit Card Transactions
  • Unlimited use of NGB ATMs
  • For students until the age of 26
  • No Minimum Balance
  • No Monthly Maintenance Fee *
  • $10 Opening Deposit 
* No monthly maintenance fee until age 26, at which time account converts to Personal Checking 

Personal Checking – (18/65 Checking)

Features/Benefits:

  • FREE Online/Mobile Banking
  • FREE Bill Pay
  • FREE eStatements
  • FREE NGB MasterMoney Debit Card
  • FREE MasterMoney Cashback Rewards
  • FREE Specialty Checks
  • Unlimited Debit Card Transactions
  • Unlimited use of NGB ATMs
  • No Minimum Balance
  • No Monthly Maintenance Fee
  • $10 Opening Deposit 

18/65 rule can be applied to any of our checking products (Basic, Personal, NOW)


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