Personal Savings Accounts

Whether you are ready to start saving or are looking for options to maximize your earnings, NCB has the right solution for your needs. 

We encourage our customers to save. We believe in putting your extra money to work for you, and offer a wide range of products from a basic Statement Savings to a Kid's Club account, as well as competitive-rate Money Market accounts, Certificates of Deposit and CDARS® and ICS®.

Statement Savings

This is a great way to start small and build your way up to a nice nest egg. Make unlimited deposits and have the ability to withdraw funds when you need them.

  • FREE Online Banking with FREE eStatements 
  • FREE Mobile Banking with Mobile Deposit
  • FREE automated account access through our telebanking system - Anytime Banking
  • $100.00 opening deposit and minimum balance to avoid a monthly maintenance fee
  • Earn interest on balances over $100.00
  • Excess withdrawal fees imposed for each withdrawal in excess of 6 per month (ATM withdrawals excluded).  Limited items include preauthorized, automatic, online, or telephone transfers of funds to another account or to a third party from your account. 

Capital Kid's Club Savings

Help teach your children to save and learn the basics of managing money.

  • Opening deposit as little as $1.00
  • No monthly maintenance fees
  • Free ATM card with joint ownership of a parent or guardian
  • FREE automated account access through our telebanking system - Anytime Banking
  • Comes with a set of tools and resources to get started saving
  • Excess withdrawal fees imposed for each withdrawal in excess of 6 per month (ATM withdrawals excluded).  Limited items include preauthorized, automatic, online, or telephone transfers of funds to another account or to a third party from your account. 

Premium Money Market

Access your funds through limited-check writing, while earning premium rates on our competitively priced money market account. 

  • FREE Visa Check Card with chip technology
  • FREE Online Banking with FREE eStatements 
  • FREE Mobile Banking with Mobile Deposit
  • FREE automated account access through our telebanking system - Anytime Banking
  • $2,500.00 minimum balance to avoid a monthly maintenance fee
  • Tiered interest rate on balances
  • Excess withdrawal fee imposed for each withdrawal in excess of 6 per month (ATM withdrawals excluded).  Limited items include preauthorized, automatic, online, or telephone transfers of funds to another account or to a third party from your account. 

Certificates of Deposit

Choose from a variety of fixed-rate terms and choose the best option to receive your interest payments.

  • Terms range from 3 to 30 months
  • Interest is compounded and credited to the CD on a monthly basis with the option to deposit into an NCB account or receive a monthly check
  • Minimum opening deposit of $1,000

Certificate of Deposit Account Registry Service (CDARS®) and Insured Cash Sweep (ICS®)

With CDARS and ICS, you can enjoy the peace of mind that comes with access to multi-million-dollar FDIC insurance and choose the service or combination of services that best meets your needs for returns and access to funds.  
 

CDARS

When you place a large deposit with us, we place your funds into Certificates of Deposit (CDs) issued by other banks in the CDARS Network - in increments of less than the standard FDIC insurance maximum of $250,000, so both principal and interest are eligible for FDIC protection. 

Smart Investing Means - One Bank. One Rate. One Statement

  • Access multi-million dollar FDIC insurance on CD investments by working directly with just us - a bank you know and trust.
  • Choose from a variety of maturities ranging from 3 months to 3 years.  You select the term that best fits your investment needs. 
  • Earn one rate for each per service for funds placed into CDs or money market deposit accounts. Ask for details for specific CD terms. 
  • Receive one easy-to-read statement from our bank summarizing your investments.  

 ICS

With Insured Cash Sweep (ICS), you can have it all when you place your funds into money market deposit accounts - all the same multi-million dollar FDIC insurance coverage like CDARS with flexible access your funds.   

A Sweep You Can Trust

  • Access multi-million dollar FDIC insurance on money market investments by working directly with just us - a bank you know and trust.
  • Earn returns and put your money to work for you
  • Access your funds up to six program withdrawals per month
  • Avoid the hassle of opening accounts at different banks in different insurable capacities

Get started today – Contact us for details on our Personal Savings Accounts 


For maintenance and other monthly fees on NCB Savings accounts, please refer to our Fee Schedule.
 
Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, and CDARS are registered service marks of Promontory Interfinancial Network, LLC.