Personal Deposits

Find the right account that fits your lifestyle and needs. 

Personal Checking

Minimum to open: $0

Minimum balance required: $0

Maintenance fee: $0

NOW Consumer

Minimum to open: $100

Minimum balance required: $1000

Maintenance fee: $10 monthly, waived if minimum balance is met

Interest bearing: Yes

49 Gold

Minimum to open: $100

Minimum balance required: $2,500

Maintenance fee: $15 monthly, waived if minimum balance is met

Interest bearing: Yes

Must be 49 years or older to qualify.

Money Growth Account (MGA)

Minimum to open: $100

Minimum balance required: $2,500

Maintenance fee: $10 monthly, waived if minimum balance is met

Interest bearing: Yes

Limit of 6 debits per month.

Regular Savings

Minimum to open: $100

Minimum balance required: $150

Maintenance fee: $8 quarterly, waived if minimum balance is met

Interest bearing: Yes

Limit of 6 debits per month.

Minor Savings or Ohio Transfer to Minor Act (OTMA) Account

Minimum to open: $0

Minimum balance required: $0

Maintenance fee: $0

Interest bearing: Yes

Limit of 6 debits per month.

Time Deposits (formerly known as Certificates of Deposit)

Minimum to open: $500 for terms of one year or longer, $1,000 for terms less than one year

Minimum balance required: N/A

Maintenance fee: variable penalties on early withdrawals

Interest bearing: Yes

Concerned about FDIC coverage?

Consolidate your accounts through one bank relationship with NSBT and still receive FDIC coverage past the $250,000 limit in CDARS (Certificate of Deposit Account Registry Service) and ICS (Insured Cash Sweeps) accounts. NSBT is part of the Promontory Interfinancial Network, which enables you to work with one bank, maintain FDIC coverage and earn interest on your deposits. These products allow for multi-million dollar FDIC coverage.

Contact a bank representative to learn more!

North Side Bank & Trust Company’s routing number is 042000550.
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