Personal Checking and Savings Accounts
Banking Solutions for Every Stage of Life
Whether you are managing everyday expenses, building savings for future goals, or opening your very first account, the right financial solution is essential to your journey.
No matter where life takes you, we are committed to helping you navigate your financial future with confidence, clarity, and trust.
Personal Checking Accounts
Our checking account options are designed to provide convenient access to your money while offering flexibility, security, and the personalized service you deserve.
Personal Checking
Designed to meet your daily financial needs with no minimum balance requirement, Personal Checking gives you convenient access to your funds through our digital banking tools. This account ensures you can manage your money safely, confidently, and securely.
- $25.00 minimum opening deposit
- No monthly service fee
- Free Bill Pay
- ATM and/or VISA Debit Card
- $3.00 monthly paper statement fee (enroll in e-statements to waive fee)
Personal Interest Checking
Designed for customers who want to balance daily flexibility with steady growth. Personal Interest Checking earns interest* while keeping your funds completely accessible. Maintain the minimum daily balance to waive fees and maximize your earnings as you work toward your financial goals.
- $100.00 minimum opening deposit
- $300.00 minimum daily balance required to avoid monthly service fee
- $8.00 monthly service fee if balance falls below minimum
- $1,500.00 minimum daily balance to earn interest
- Free Bill Pay
- ATM and/or VISA debit card
- $3.00 monthly paper statement fee (enroll in e-statements to waive fee)
*Interest rates are subject to change without notice. Please contact a NAB Financial Services Representative for current interest rates or visit our Interest Rates page.
Elder Checking
Designed for customers aged 55+, this account emphasizes simplicity, convenience, and reliable access. Elder Checking combines essential everyday banking features where most fees are waived for the life of the account, ensuring you receive the dedicated, personalized service you deserve.
- $25.00 minimum opening deposit
- No monthly service fee
- Free Bill Pay
- Free NAB standard designed checks
- ATM and/or VISA debit card
- No monthly paper statement fee
Personal Savings Accounts
Native American Bank offers savings solutions designed to help support your financial goals, whether savings for emergencies, future purchases, or long-term planning.
Personal Savings**
An interest-earning* account for those who have savings goals and very few transactions per month.
- $100.00 minimum opening deposit
- $50.00 minimum daily balance required to avoid monthly service fee
- $2.00 monthly service fee if balance falls below minimum
- No Excess Activity Fee for the first three withdrawals or payments each month
- $1.00 per withdrawal if over three each month
*Interest rates are subject to change without notice. Please contact an NAB Financial Services Representative for current interest rates or visit our Interest Rates page.
**Federal regulations allow no more than six (6) transfers and/or withdrawals per month on Savings and Money Market accounts. ATM withdrawals and withdrawals made through a Teller at a branch location do not count toward the six (6) transfer or withdrawal limit.
Youth Savings**
Designed for customers under age 18, this interest-earning* account helps young savers build a foundation for their future. It is the perfect tool to teach children and teens the value of financial responsibility while giving them hands-on banking experience.
- $25.00 minimum opening deposit
- No Excess Activity Fee for the first three withdrawals or payments each month
- $1.00 per withdrawal if over three each month
*Interest rates are subject to change without notice. Please contact an NAB Financial Services Representative for current interest rates or visit our Interest Rates page.
**Federal regulations allow no more than six (6) transfers and/or withdrawals per month on Savings and Money Market accounts. ATM withdrawals and withdrawals made through a Teller at a branch location do not count toward the six (6) transfer or withdrawal limit.
Money Market Accounts**
Designed to offer a tiered interest-earning* account for those with minimal transaction needs and higher balances.
- $2,500.00 minimum opening deposit
- $2,500.00 minimum daily balance to earn interest
- $2,500.00 minimum daily balance required to avoid $10.00 monthly statement fee
- No Excess Activity Fee for the first three withdrawals or payments each month
- $1.00 per withdrawal if over three each month
*Interest rates are subject to change without notice. Please contact an NAB Financial Services Representative for current interest rates or visit our Interest Rates page.
**Federal regulations allow no more than six (6) transfers and/or withdrawals per month on Savings and Money Market accounts. ATM withdrawals and withdrawals made through a Teller at a branch location do not count toward the six (6) transfer or withdrawal limit.
certificate of deposit
Designed for customers where liquidity is not needed and higher interest rates* are preferred.
- $1,000.00 minimum opening deposit
- Customize the term, interest rate* and payment frequencies
*Interest rates are subject to change without notice. Please contact a NAB Financial Services Representative for current interest rates or visit our Interest Rates page.
Online Banking
Manage your accounts, monitor activity, and access important banking services anytime through Online Banking.
Account Services
Fraud Protection
Stay protected with tools and resources designed to help safeguard your accounts and personal information.
Card Management
Take control of your debit card with convenient features that help you manage spending and security.
TeleBanking
Our free service provides you with the ability to inquire and maintain your deposit accounts and loans at any time by telephone.
ATMs
Enjoy convenient access to cash and account services through our ATM network and locations nationwide.
Other Services
Personal Credit Cards
Whether you’re building credit, managing everyday purchases, or preparing for larger expenses, we offer personal credit card options designed to provide convenience, flexibility, and trusted support.
Business Checking and Savings Accounts
Whether you’re managing daily operations, building reserves for future growth, or stewarding resources on behalf of your organization, our accounts provide flexibility, security, and the personalized service you need.