Checking Account Options

Regular Checking Account:

You must deposit $ 400.00 to open an account. Monthly maintenance fee will apply if the ledger balance in the account is less than $ 400.00 any day of the statement cycle. (activity fee for each debit to the account in excess of 20 debits per statement cycle if the ledger balance is less than $ 400.00).

Student Checking Account

Parent account required

Interest Earning Checking Options:

NOW account:

You must deposit $ 500.00 to open an account. Monthly maintenance fee will apply if the ledger balance in the account is less than $ 500.00 any day of the statement cycle.

Super NOW Account:

You must deposit $ 1,500.00 to open an account. Monthly maintenance fee will apply if the ledger balance in the account is less than $ 1,500.00 any day of the statement cycle.

Super Silver Account:

You must deposit $ 3,000.00 to open an account. Monthly maintenance fee will apply if the ledger balance in the account is less than $ 3,000.00 any day of the statement cycle.

Rate Information:

If your daily ledger balance is less than minimum balance for your account, the daily interest rate for your account is 0%. Accounts maintaining the minimum balance or more will earn the current interest rate for that account type.

Balance Computation Method:

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the ledger balance in your account each day.

Compounding and Crediting:

Interest will be compounded and credited to your account each month on the last day of your statement cycle.

Accrual of interest on deposits other than cash:

Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example - checks).

* Fees will apply for account research, photocopies, reconciling customers statements, garnishments or tax levies, overdrafts, stop payment, NSF (insufficient funds), return check charges, fees for printing of checks.

Nebraska State Bank is the Nation's #1 FSA (Farm Service Agency) Agricultural Guaranteed Lender Of the Midwest