FAQs

The minimum deposit to open a personal banking checking account is $100, while a savings account is $50. We’ll also need a current state-issued ID or passport, and other personally-identifying information. 

All personal banking accounts must be opened in person at one of our branches. 

We have some personal accounts that do offer two boxes of personalized checks per year free to the active account holder. 

There are no annual fees with NBC debit cards. And, when using your card at an ATM within the MoneyPass/NBC network, you’ll enjoy fee-free withdrawals. NBC charges $3 when you use an ATM out-of-network. 

Only when it is specific to an account service benefit available to that specific account. 

We offer checking accounts with no minimum balance and only charge service fees for additional services that are requested and used. Our savings accounts do require a minimum balance with a service charge should you fall below that amount. 

We offer a checking account with no minimum balance requirements. 

We offer a checking account with no minimum balance requirements. 

It’s your money. Use it how you need it. If you have specific questions, talk to your banker. 

Our Youth Accounts are a great way for kids to get started managing their financial future. 

It varies by product. Speak with your banker to find out the specific requirements for the products you’re interested in. 

All personal loans must be applied for in-person at one of our branches. 

Rates are determined by the type of loan and the type of collateral you present. 

It all depends on the loan. Some may not require a down payment at all. 

Collateral can include personal property such as vehicles, ATVs and boats. 

There are no pre-payment penalties on a personal loan. 

We do not offer student loans. 

You can use our website to apply online or schedule an appointment with one of our mortgage bankers via our Let’s Talk page, stop by to meet with a Mortgage Banker or complete an application over the phone. 

Pre-qualified means that you have talked to a mortgage banker and they have calculated your income and pulled your credit and given you a dollar amount that you qualify for to purchase a home. Pre-approved means that you have provided the banker with your income and asset documents, they have pulled your credit and submitted your file to an underwriter who has reviewed your information and has conditionally approved the loan. 

We’ll need to see copies of your most recent 30-days of pay stubs, the last two years of tax returns including W2s, and copies of your most recent 30-day bank statement for the account where your funds to close will come from. 

As interest rates can vary by the week (or even by the day), the best way to get our current mortgage loan rates is to contact us directly. 

Yes, we service the majority our own mortgages, so you can always call your local lender if you ever have any questions regarding your mortgage. 

A home equity loan has a fixed monthly payment each month. A line of credit can fluctuate each month depending on the amount of money you have drawn from the loan. 

The best thing to do is call one of our bankers so they can assess your current situation and see if it makes sense to do. 

Customers with either investable assets of over $500,000 or a household income of $150,000 or more qualify for Signature Banking. Proof of this may be collected at the time the account is established. 

There is a minimum balance of $1,000 to open an account, but once you’re a Signature Banking customer, there are other ways to waive fees beyond minimum balance requirements—we are all about relationships! 

Contact a Signature Banker to start the conversation. They will travel to wherever is convenient for you, so don’t worry if your favorite location doesn’t have one on staff. 

Signature Banking takes personal to the next level. Customers work with a dedicated team that provides the highest level of service, even providing extended access to bankers outside of regular business hours. 

The specific documents required will depend upon the type of business, however, all business accounts require a $100 minimum opening deposit as well as personal identification for signers and business documents to verify the business. 

All business accounts must be opened in person at one of our branches. 

Yes, absolutely.  

Business accounts have a $100 minimum deposit requirement. 

There are no minimum balance requirements on business accounts. 

Our business debit cards are all fee-free.

We don’t offer free checks for our business accounts. Customers should see a banker for current pricing and packet details. 

Generally, we require the past 2 years of tax returns for a business, and the past two years of personal tax returns for sole proprietors. 

Yes! We also work with local organizations such as the SBA and Entrepreneur Fund. We’ll need the past two years of personal tax returns and a business plan. 

Typically, we require 20% for a down payment. 

All you need is an active account in good standing with NBC. For credit limits over $15,000 you’ll also need the past 2 years of financials for your business. 

Simple. Fill out an application online. 

The most senior officer or majority owner should complete the application. However, they are not the actual applicant, but rather acting as the guarantor. 

Yes, absolutely. 

We do a soft pull on the guarantor’s credit. It will not impact their credit score. 

Credit decisions depend on the requested credit limit and actual credit score. 

No, a business credit card is separate from personal credit. 

Yes, unless no one person owns greater than 10% of the company.

Reach out to Corey Stibbe, Treasury Management Sales Specialist to discuss your specific needs! Corey can be reached via email at cstibbe@nbcbanking.com or by phone at 715.394.8945.

If you currently accept credit cards, we’ll need 2-3 months of your most current statements. 

We offer merchants the ability to accept payments from Visa, Mastercard, Discover and American Express. Also, you can make payments over the phone, in person, or online. 

Yes! We use Clover Go, a Bluetooth enabled reader and can accept chip cards along with payment types like Apple Pay and Android Pay. 

In most cases we can offer savings to our merchants, however rates are dependent on card volume.