Checking

Welcome to North Georgia National Bank. You will find a full array of services accompanied by truly personal service. Please let us know if there is any way we can be of assistance with your financial needs.

 
 

All of our accounts offer these free services:

  • Debit Card with UChoose Rewards
  • Online Banking with Bill Pay
  • Telephone Banking
  • eStatements
Compare Our Checking Accounts

Accounts

Relationship Rewards

Senior Relationship
Rewards (50+)

Personal Checking

Free Checking2

Spirit Checking3
(Student Account)

Opening Balance

$25 to open an account

$25 to open an account

$25 to open an account

$25 to open an account

$25 to open an account

Minimum Balance

No minimum balance

No minimum balance

$300 minimum balance

No minimum balance

No minimum balance

Monthly Fees

$6.50 per month; Fee waived if the balance of all your NGNB accounts exceed $10,000

No monthly fee

$4 per month; Fee waived if $300 minimum balance is maintained.
$0.25 charge is assessed for each debit/check in excess of 25 per statement cycle

No monthly fee

No monthly fee

Interest

Interest earned on balances of $1,000 or greater1

Interest earned on balances of $1,000 or greater1

Interest earned on balances of $1,000 or greater1

Non-interest bearing account

Non-interest bearing account

Features

  • Free personalized wallet club checks (first order)
  • Community Club Membership Included
  • Free personalized wallet club checks (first order)
  • Community Club Membership Included
  • Community Club available for $2.95 per month
  • Community Club available for $2.95 per month
  • Community Club available for $2.95 per month
  • Free personalized wallet club checks (first order)

1 Credited to your account according to your average balance.
2 Copy of cancelled checks not included in statement.
3 Must be an active student.

FDIC Coverage/Insurance Limits
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR NON-INTEREST-BEARING TRANSACTION ACCOUNTS
All funds in a “non-interest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “non-interest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit https://fdic.gov/edie/index.html.

Community Club

Our exclusive Community Club is available with any checking account, and includes these services:

  • $5 Off Premium Checks
  • Free Worldwide ATM4
  • Free Cashier’s Checks
  • Free Notary Services
  • One Free NSF per year
  • One Free Stop Payment per year
  • Free Personal Financial Planning
  • 20% off Annual Safe Deposit Box Rental5
  • .25 Discounts on Loan with Auto Pay only

4 Foreign ATM fees refunded up to $25 with receipts
5 Subject to availability

 

 

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