Checking Accounts

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Personal Checking

• $100 minimum deposit to open
• $7.50 monthly maintenance fee.
  • Maintenance fee can be avoided by enrolling in on-line banking and e-statement or by maintaining a $500 minimum daily balance or $750 monthly average ledger balance.
• Unlimited check writing
• Free Internet Banking and Bill Payment
• Free Debit MasterCard

Personal Interest Checking

• $100 minimum deposit to open
• Interest is compounded daily on the collected balance and credited to your account monthly.
• $7.50 monthly maintenance fee.
  • Maintenance fee can be avoided by enrolling in on-line banking and e-statement or by maintaining a $1,000 minimum daily ledger balance or $4,000 monthly average ledger balance.
• Unlimited check writing
• Free Internet Banking and Bill Payment
• Free Debit MasterCard

Senior Advantage Checking
(Age 50 and over)

• $100 minimum deposit to open
• Interest is compounded daily on the collected balance and credited to your account monthly.
• $5 monthly maintenance fee.
  • Maintenance fee can be avoided by enrolling in on-line banking and e-statement or by having at least one direct deposit made into your account each statement cycle or maintaining a $1,000 minimum daily ledger balance or $1,500 monthly average ledger balance.
• Unlimited check writing
• Requires monthly direct deposit
• First order of checks free in selected style
• Free Internet Banking and Bill Payment
• Free Debit MasterCard
• Free Travelers Checks

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Savings Accounts

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Personal Savings
(Must be over 18 years old to open)

• $100 minimum deposit to open
• Interest is calculated and compounded daily on the collected balance and credited to your account quarterly. No minimum balance required to earn interest.
• $3 quarterly maintenance fee.
  • Maintenance fee can be avoided by enrolling in on-line banking and e-statement or by maintaining a $100 minimum daily ledger balance.
• Six (6) total withdrawal or debit transactions allowed per quarter
  • Additional debits are $7.50 each, regardless of balance. (Withdrawal limits may apply).
• Quarterly Statements.

Minor Savings
(Maximum age to open: 18 years)

• $10 minimum deposit to open
• Interest is calculated and compounded daily on the ledger balance and credited to your account quarterly. No minimum balance required to earn interest.
• No monthly maintenance fee.
• Six (6) total withdrawal or debit transactions allowed per month
  • Additional debits are $7.50 each, regardless of balance. (Withdrawal limits may apply).
• Quarterly Statements.

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Money Market

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Personal Money Market

• $100 minimum deposit to open
• Tiered interest rate structure. Interest is calculated and compounded daily on the collected balance and credited to your account monthly.
• $10 monthly maintenance fee
  • Maintenance fee can be avoided by enrolling in on-line banking and e-statement or by maintaining a $5,000 minimum daily ledger balance.
• Six (6) total withdrawal or debit transactions allowed with no more than three (3) debits by check or draft to third party
  • Additional debits, withdrawals, checks, or drafts are $7.50 each, regardless of balance. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.
• Free Internet Banking
• Free Debit MasterCard

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Certificates of Deposit

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Certificates of Deposit (CD)

For customers who do not require immediate access to their funds and want to earn a higher rate of interest, National Bank of Southwest Florida offers a variety of CD options and term lengths. Competitive interest is compounded daily. CD accounts are fee free, however, substantial penalties will apply for early withdrawals. See the Account Disclosure for more information on early withdrawal penalties. CD accounts earn interest at the Rate and Annual Percentage Yield (APY) printed on the face of the certificate for the initial term of the certificate. For each automatic renewal, the interest Rate and Annual Percentage Yield (APY) will renew at the prevailing APY and for the same term length.

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