Deposit Accounts

All of our personal checking products offer these services at no charge.

  • Free Online Banking & Bill-Payment
  • Free ATM card or
  • Free Signature Visa Debit card
  • Free Check imaging
  • Interest (where applicable) compounds daily
  • Night Deposit Service
  • Unlimited ATM transactions at Northern Hancock Bank & Trust locations including the Chester Sparkle Market, plus 3 free ATM transactions per month at ATMs not owned or operated by NHB&T

Personal Regular Checking

This account offers the flexibility of unlimited check writing.

  • Minimum opening deposit $100
  • A monthly maintenance fee will be assessed each monthly statement cycle if the balance falls below $600 on any day during the cycle.  The fee is based upon your lowest daily account balance during the statement cycle and will be assessed as follows:

Minimum Balance
$0 to $199.99
$200 to $399.99
$400 to $599.99
$600 or above

Fee
$6.00
$4.00
$2.00
$0.00


Budget Checking

If you need a basic checking account and do not write many checks, then this is the account for you.

  • Minimum opening deposit $100.
  • No minimum daily balance required.
  • Account maintenance fee of only $3.00 per month.
  • The first ten checks paid in a monthly statement cycle are free.  Each check thereafter is processed for $.50.

NOW

Let your money work for you.  This account offers interest with a low minimum balance.

  • Minimum opening deposit $1,000.
  • A maintenance fee of $5.00 will be assessed if the balance falls below $1,000 on any day during the statement cycle.

Super NOW

This account earns interest and is perfect for those maintaining a higher daily balance.

  • Minimum opening deposit $2,000.
  • A maintenance fee of $5.00 will be assessed if the balance falls below $2,000 on any day during the statement cycle.

Preferred Savings

This account provides a safe and convenient way to save while providing higher interest rates as the amount you keep on deposit increases.

  • Minimum opening deposit $25.
  • Minimum daily balance of $70 required to avoid service charge of $2 per month.
  • Quarterly statement cycle.
  • The account features a tiered interest rate structure and no interest is paid on those days during the month when your daily balance is below $100.
  • Limited to five withdrawals each calendar month and each withdrawal over five will be charged $1.

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