Negotiable Order of Withdrawal Account

(NOW Account)

Tradition. An interest bearing account created in response to the Banking Act of 1933.This interest bearing account allows you to earn interest on your savings while having the ability to initiate withdrawals.

  • Features of your Now Checking Account:
  • Interest bearing account of 0.05% APY*
  • Monthly service charge free**
  • Unlimited check writing
  • Surcharge-free withdrawals at SUM, MoneyPass and Allpoint network ATMs***
  • Deposits insured in full by FDIC and DIF
  • The following services accompany your NOW Account:
  • Free ATM or Debit Card
  • Free Online/Text/App Banking
  • Free Online Bill Pay
  • Free mobile deposit
  • Finance Works
  • Purchase Rewards
  • Free first order of bank-supplied checks
  • Account Requirements
  • $100 to open account
  • Valid photo ID
    • If using a passport or valid photo ID has your incorrect physical address you need to provide one of the following for proof of address: Bill, car insurance, bank statement, rental agreement, or new mortgage statement

*If minimum of $10 is in account during the monthly statement cycle. Interest is earned from the day of deposit, compounded continuously, and paid monthly **If balance maintained during entire monthly statement cycle is greater than $500 or a direct deposit of payroll or social security is received into the account monthly. If neither, a $8 monthly service charge fee and $.20 per check fee will be assessed. ***Non SUM, MoneyPass and Allpoint ATM networks may charge a separate fee.