Personal checking icon

Personal Banking

Your bank’s got
your back.

Personal Checking

checking account iconChecking Accounts

Simple Choice

  • Choice of statement delivery – eStatmenents (no charge) or paper statements ($3/month)
  • Online banking
  • MoneyPass ATM network
View All Details
  • Finance360 (aggregator)
  • Debit or ATM card
  • NBC iPay (bill pay)
  • 24-hour Smartline telephone banking
  • Mobile deposit capture

Choice

  • Choice of statement delivery – eStatements or paper statements (no charge)
  • Mobile deposit capture
  • Finance360 (aggregator)
View All Details
  • MoneyPass ATM network
  • Debit or ATM card
  • NBC iPay (bill pay)
  • 24-hour Smartline telephone banking
  • Mobile deposit capture

Choice+

  • Choice of statement delivery – eStatements or paper statements (no charge)
  • Interest bearing
  • One order of 200 personalized checks per year
View All Details
  • Finance360 (aggregator)
  • MoneyPass ATM network
  • Debit or ATM card
  • NBC iPay (bill pay)
  • 24-hour Smartline telephone banking
  • Mobile deposit capture
  • $10 safe deposit box discount

Youth Choice

Teach your children money management skills and give them a headstart on their future.

  • MoneyPass® ATM network
  • Online banking
  • eStatements (no charge)
View All Details
  • Debit or ATM card
  • Mobile deposit capture
  • 24-hour SmartLine telephone banking
  • Finance360 (aggregator)
  • Paper statements without check images ($3/month)

Personal Savings

savings account iconSavings Accounts

We 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
  • Competitive tiered interest rates
  • Sweep option available
View All Details
  • 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
View All Details
  • 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
View All Details
  • 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
View All Details
  • 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

CDs & IRA iconsCDs & 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
View All Details
  • 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
View All Details
  • 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
View All Details
  • 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.

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
View All Details
  • 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
View All Details
  • 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
View All Details
  • 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
View All Details
  • Traditionally lower interest rates
  • Competitive closing costs
  • Income requirements
  • Purchase price limits

VA

No down payment loans for eligible veterans.

  • Competitive terms
  • Easy application process
  • Owner occupied primary residence
View All Details
  • Purchases and refinances
  • No prepayment penalty

FHA

Government-issued loans with low down payment requirements.

  • 3.5% down payment
  • For purchases and refinances
  • Assumable loan potential when the time comes to sell your home
View All Details
  • Maximum loan amount determined by geographic location

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
View All Details
  • Purchases and no cash-out refinances
  • No prepayment penalty
  • Certain requirements apply

Lending

Auto loan iconPersonal 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 & Boat Loans

Fast approval with convenient terms.

  • Secured and unsecured options
  • Flexible repayment terms
  • Credit decision made locally
View All Details
  • 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*
View All Details
  • 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
View All Details
  • Fixed payments
  • No prepayment penalty
  • Flexible loan-to-value ratio
  • Potential tax benefit**

Overdraft Protection & Line of Credit

Piece-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 card iconCredit 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

It’s private banking with our Signature Twist

We’ll match your needs to an individual banker who will be your consistent point of contact and who will work with you to develop and execute your strategy for financial success.

  • Premier checking and savings accounts offering tiered interest rates
  • Short and long-term debt structures
  • Cash management solutions
  • Customized credit solutions
  • No charge for convenience products such as:
    • Access to 32,000 fee-free ATMs using MoneyPass
    • 24-hour SmartLine telephone banking
    • Online banking and NBC iPay (bill pay)
    • Download capabilities to Quicken™ and QuickBooks™

Appointment iconLet's Talk