Personal Banking
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Personal Checking
When it comes to checking accounts, we think it should be less one-size-fits-all and more your-size-fits-you. Choose only the features you need, and get the access you want.
Checking Features
Mobile App
Online Banking
NBC iPay (bill pay)Simple Choice
- Choice of statement delivery – eStatements (no charge) or paper statements ($3/month)
- Online banking
- MoneyPass ATM network
- Finance360 (aggregator)
- Debit or ATM card
- NBC iPay (bill pay)
- 24-hour telephone banking
- Mobile deposit capture
Choice
- Choice of statement delivery – eStatements or paper statements (no charge)
- Mobile deposit capture
- Finance360 (aggregator)
- Two boxes of standard checks per year
- MoneyPass ATM network
- Debit or ATM card
- NBC iPay (bill pay)
- 24-hour telephone banking
- Online Banking
Choice+
- Choice of statement delivery – eStatements or paper statements (no charge)
- Interest bearing
- Two boxes of standard checks per year
- Finance360 (aggregator)
- MoneyPass ATM network
- Debit or ATM card
- NBC iPay (bill pay)
- 24-hour telephone banking
- Mobile deposit capture
- $10 safe deposit box discount
- Online Banking
Youth Choice
Teach your children money management skills and give them a headstart on their future.
- MoneyPass® ATM network
- Online banking
- eStatements (no charge)
- Debit or ATM card
- Mobile deposit capture
- 24-hour SmartLine telephone banking
- Finance360 (aggregator)
- Paper statements without check images ($3/month)
Personal Savings
Plan for repairs, vacations, and the future with our savings accounts. Each is tailored to a different kind of saver and offers features to help you reach your goal.
Savings Calculators
Savings Goal
Monthly Deposit
RetirementWe believe in the need to save for the short-term and the long. That’s why we provide a wealth of ways to save money for maximum flexibility.
Statement Savings
Popular account for those who want to save for the unexpected without the higher minimum balance.
- $50 minimum daily balance to avoid a service charge
- Interest bearing
- Sweep option available
- Preauthorized transfers limited to six per month
Money Market
Tiered interest rates with easy access to your funds and a low minimum balance.
- $1,000 minimum daily balance to avoid a service charge
- Competitive tiered interest rates
- Sweep option available
- Preauthorized transfers limited to six per month
Premium Money Market
$25,000 minimum opening balance, premium tiered rates with added benefits and flexibility.
- $25,000 minimum daily balance to avoid a service charge
- Competitive rate tiers at $50,000 and $100,000
- Sweep option available
- Preauthorized transfers limited to six per month
Health Savings Account
A self-directed checking account for a high deductible health plan policy holder.
- Free online banking, NBC iPay (bill pay), telephone and mobile banking
- Free detailed monthly statements and annual reporting
- HSA debit card and checks with unlimited transactions
- Funds are available for immediate use
- No annual or set-up fees. There is no service charge if you are an employee of our business customer and the deposits come from the company
Youth Savings Account
Savings 101: Start Young
- No minimum balance
- Competitive tiered interest rates
- For youth under the age of 18
CDs & IRAs
As your savings needs evolve, we have a complete suite of savings vehicles to fit any strategy, whether that be short, mid or long-term savings.
Fixed Rate CD
A great low-balance point of entry for savers looking to expand their portfolio.
- $500 minimum opening balance
- Earns a competitive fixed interest rate
- Direct deposit or compound interest payment option
- Early withdrawal penalty may apply
- Terms available: 3, 6, 12 ,18, 24, 36, 48, and 60 months
Traditional IRA
Tax-advantage arrangement that allows earnings and deductible contributions to grow tax-deferred.
- Earns a competitive interest rate
- Earnings grow on a tax-deferred basis
- Compound interest payment
- Deductible contributions and earnings are subject to federal income tax when withdrawn
- You must have earned income to contribute
- Annual contribution limits vary by year and by earned income
- Early withdrawal penalty may apply
- Fixed rate option:
- $500 minimum opening balance
- Terms available: 12, 18, 24, 36, 48 and 60 months
- Variable rate option:
- $5 minimum opening balance
- 18-month term
- Note: Consult a tax advisor regarding the deductibility of interest
Roth IRA
Unique and exciting savings opportunity that gives you an easy and safe way to plan for your future.
- Earns a competitive interest rate
- Contributions are allowed at any age
- Compound interest payment
- Qualified distributions are tax-free
- Accumulate earnings on a tax-deferred basis
- Flexible withdrawal options are available
- You must have earned income to contribute
- Annual contribution is dependent on your modified adjusted gross income as determined on your federal income tax form
- Early withdrawal penalty may apply
- Fixed rate option:
- $500 minimum opening balance
- Terms available: 12, 18, 24, 36, 48, and 60 months
- Variable rate option:
- $5 minimum opening balance
- 18-month term
- Note: Consult a tax advisor regarding the deductibility of interest
Home Loans
Buying a home is a big deal. Getting a mortgage, less so.
Mortgage
Fixed Rate
The stability and consistency of predictable monthly principal and interest payments.
- Low closing costs
- Owner occupied and non-owner occupied properties (1-4 family dwellings and second homes)
- Credit decision made locally
- Flexible repayment terms
- Fixed monthly payments
- Purchase or refinance
- Automatic payment options
- Escrow of taxes and insurance option
- No prepayment penalty
Adjustable Rate
Traditionally lower initial mortgage payments and flexible underwriting standards.
- Credit decision made locally
- Payments adjust after the initial fixed interest period, according to your loan program
- Rates are capped to protect you against dramatic increases in interest rates
- Flexible repayment terms
- Low closing costs
- Purchase or refinance
- Automatic payment options
- Escrow of taxes and insurance option
- No prepayment penalty
- Owner occupied and non-owner occupied properties (1-4 family dwellings and second homes)
Construction
The flexibility you need to build your dream home. Converts easily into a standard mortgage.
- Low closing costs
- Contractor built, turn-key homes
- Pay interest only on funds as you need them
- Flexible terms
- Fixed rate
- Credit decisions made locally
Wisconsin Housing & Economic Development Authority (WHEDA)
First-time home buyer option for people purchasing a home in Wisconsin.
- Only 3% down payment required
- Down payment assistance programs available
- Can be combined with our Down Payment Plus assistance forgivable grant program for up to an additional $6,000 to be used towards down payment and closing costs
- Traditionally lower interest rates
- Competitive closing costs
- Income requirements
- Purchase price limits
Low Down Payment
Programs unique to our market, offered by National Bank of Commerce.
- First time homebuyer as well as non-first time homebuyer programs
- Down payments as low was 3% with no income limits
- Down payment assistance available
- Purchases and no cash-out refinances
- No prepayment penalty
- Certain requirements apply
VA
No down payment loans for eligible veterans.
- Competitive terms
- Easy application process
- Owner occupied primary residence
- Purchases and refinances
- No prepayment penalty
Lending
Personal Loans
Whether you need smart lending options for life’s big purchases, or a safety net for unexpected expenses, we’re ready to help.
ATV, Auto, and Boat Loans
Fast approval with convenient terms.
- Secured and unsecured options
- Flexible repayment terms
- Credit decision made locally
- Fixed monthly payments
Home Equity Line of Credit
A flexible line of credit, secured by the equity in your home, that you can draw from when you need it.
- Variable interest rate
- Credit decision made locally
- Minimal closing costs*
- Potential tax benefit**
Home Equity Loan
Fixed interest rate and payments make it easy to budget.
- Fixed rate loan
- Minimal closing costs
- Credit decision made locally
- Fixed payments
- No prepayment penalty
- Flexible loan-to-value ratio
- Potential tax benefit**
Overdraft Protection & Line of Credit
Peace-of-mind protection with credit decisions made locally.
- Unsecured
- Automatic payment required from a National Bank of Commerce checking account
- Payment based on percentage of unpaid balance
All loans are subject to credit approval. Please contact a banker for additional information.
* Closing costs may be reduced or eliminated with qualifying NBC account relationship
** Please consult a tax advisor regarding the deductibility of interest
Credit Cards
We’ve partnered with VISA to offer card options with great rates, rewards and cash back. Whether you’re paying for a newspaper or an entire vacation, our credit cards will help make it possible.
Signature Banking
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