North Bank

Personal Banking MasterMoney Card

MasterMoney Card

At North Bank you can choose from one of our wide range of personal products to meet your lifestyle, as well as take advantage of our superb customer service. All checking accounts include a Master^® Money Debit/ATM card to qualified applicants and our 24-hour Telebanker services for convenient access to your account 24-hours a day. Monthly statements are produced with images of cancelled checks. Upon request, original checks will be returned for a monthly fee of $2.00.

Senior Citizen Account (non-interest bearing account) Seniors age 65 years of age or older can receive this convenient account with no minimum balance requirements, No monthly service charges and unlimited use of North Bank's proprietary (North Bank owned) ATM machines. We offer Direct Deposit capabilities for your Social Security checks or other regular recurring payments.
Minimum to open	$100.00
Cost per debit processed in excess of 10 per statement cycle	$0.25

Equal Housing Lender Member FDIC

Personal Checking Account (non-interest bearing account)
Minimum to open	$300.00
Average Daily Balance (per statement cycle)	Monthly Service Fee
$1,000.00 and over	0
$500.00-$999.99	$8.00
Less than $500.00	$10.00

Equal Housing Lender Member FDIC

There are no additional charges for checks, drafts, transfers or electronic debits posted to the account.
There is no charge for transactions at proprietary (North Bank owned) ATM's located at: 501 N. Clark St., 360 E. Ohio St. (McClurg Ct.).
If the average daily balance is $1,500.00 or more per statement cycle, there is no limit on the number of ATM transactions conducted at non-proprietary ATM machines.
If the average daily balance is less than $1,500.00 per statement cycle, the first eight ATM transactions conducted at non-proprietary machines are free. Excess withdrawals are $1.50 per transaction.

Equal Housing Lender Member FDIC

N.O.W. Account (available to individuals only)
This account offers the same benefits as our individual checking account, plus balances earn a variable rate of interest compounded monthly and credited monthly. You must maintain a minimum daily balance of $2,500.00 (per statement cycle) to obtain the disclosed annual percentage yield.
Minimum to open			$2,500.00
Average Daily Balance (per statement cycle)			Monthly Service Fee
$2,500.00 and over			0
Less than $2,500.00			$15.00

There are no additional charges for checks, drafts, transfers or electronic debits posted to the account
There is no charge for transactions at proprietary (North Bank owned) ATM's located at: 501 N. Clark St., 360 E. Ohio St. (McClurg Ct.).
If the average daily balance is $2,500.00 or more per statement cycle, there is no limit on the number of ATM transactions conducted at non-proprietary ATM machines.
If the average daily balance is less than $2,500.00 per statement cycle, the first eight ATM transactions conducted at non-proprietary machines are free. Excess withdrawals are $1.50 per transaction.

Equal Housing Lender Member FDIC

North Bank offers flexible savings and investment alternatives designed to help you achieve your financial goals.

* Personal Savings Account This account is an interest bearing account with a lower balance requirement to earn interest. The interest is compounded quarterly and credited to the account quarterly. You must maintain a minimum daily balance of $500.00 (per statement cycle) to obtain the disclosed annual percentage yield.
Minimum to open account	$500.00
Minimum Daily Balance (per statement cycle)	Quarterly Service Fee
$500.00 and over	$0.00
Less than $500.00	$5.00
Cost per debit processed in excess of 6 per quarter	$3.00
* Federal regulations limit 6 transfers per month. Depositors are not permitted to make more than six transfers and withdrawals or a combination of transfers and withdrawals per calendar month or statement cycle (at least a four week period). Transfers and withdrawals include: automatic or electronic transfers to the account of the same depositor and same institution (including a transaction account), transfers to third parties by pre-authorized automatic transfer (written or oral agreement, including ACH), or telephone agreement, order or instruction debit card transactions.

Equal Housing Lender Member FDIC

Minor Savings Account A savings account designed for children under 18 years of age. The interest is compounded quarterly and credited to the account quarterly. You must maintain a minimum daily balance of $100.00 (per statement cycle) to obtain the disclosed annual percentage yield.
Minimum to open account	$100.00
Minimum Daily Balance (per statement cycle)	Quarterly Service Fee
$100.00	$0.00
Less than $100.00	$5.00
Cost per debit processed in excess of 6 per quarter	$3.00

Equal Housing Lender Member FDIC

* Personal Money Market Account This account is for the investment-minded customer who prefers to maintain a higher balance to earn a higher interest rate. The interest rate varies to reflect current market conditions, so if rates rise, you can earn a higher interest rate. Interest is compounded monthly and credited monthly. You must maintain the minimum daily balance of $2,500.00 (per statement cycle) to obtain the disclosed annual percentage yield.
Minimum to open	$2,500.00
Average Daily Balance (per statement cycle)	Monthly Service Fee
$500.00 and over	$0.00
Less than $500.00	$10.00
Cost per debit processed in excess of 5 per statement cycle	$5.00
* Premium Money Market Account There�s no better way to earn high rates of interest while keeping your funds liquid. Our tiered interest rate structure lets you earn a higher rate when a larger balance is maintained. Interest is compounded monthly and credited monthly.
Minimum to open	$10,000.00
* Federal regulations limit 6 transfers per month. Depositors are not permitted to make more than six transfers and withdrawals or a combination of transfers and withdrawals per calendar month or statement cycle (at least a four week period). Transfers and withdrawals include: automatic or electronic transfers to the account of the same depositor and same institution (including a transaction account), transfers to third parties by pre-authorized automatic transfer (written or oral agreement, including ACH), or telephone agreement, order or instruction debit card transactions.

Equal Housing Lender Member FDIC

Certificates of Deposit

A certificate of deposit provides a fixed rate of interest for the term of your choice. We offer a full range of maturities, from as little as 14 days, up to 60 months. You can choose the CD term that meets your growth and income objective and lock in the interest rate and annual percentage yield on the day of deposit.

Equal Housing Lender Member FDIC

Individual Retirement Account An Individual Retirement Account (IRA) is a special savings plan insured up to $100,000 by the Federal government to help you accumulate funds for retirement. Any individual who has earned income or received alimony may contribute to an IRA. Income from sources such as investments or inheritance do no qualify. North Bank offers flexible terms and competitive rates on the following types of IRAs: Traditional and Roth.
	Traditional IRA This IRA allows you to defer taxes on your earnings until they are withdrawn. Contributions may also be tax deductible in the year they are made.
	Roth IRA A nondeductible account that features tax-free withdrawals from certain distributions after a five year holding period. Since Roth contributions are not deductible, people who expect to be in a higher income bracket at retirement may benefit from this account.

For more information on any of North Bank's investment accounts, please visit with one of our Personal Bankers or call them at (312) 644-4000. To see our current interest rates, visit our Deposit Rates web page.

Equal Housing Lender Member FDIC

Other Services

Safe Deposit Boxes (main office only)
Wire Transfers
Travelers Checks
Money Orders
Cashiers Checks
U.S. Savings Bonds
24 Hour Phone Access Line
Night Depository

Equal Housing Lender Member FDIC

Checking Accounts
   Senior Citizen
   Personal
   Interest

Savings Accounts
   Personal
   Minor
   Personal Premium Money Market
   Money Market
   Certificate of Deposit
   Individual Retirement

Credit Cards
ATM/Debit Cards
Other Services

Checking Accounts
   Small Business
   Business

Savings and Investments
   Business
   Money Market
   Business Premium Money Market
   Certificate of Deposit

Merchant Credit Card Processing
Other Services

Personal Loans
   Mortgage Options
   Automobile New/Used
   Home Equity/Line of Credit
   Construction

Business Loans
   Bridge Loans
   Commercial Loans
   Professional Credit-(Doctors/Dentist)
   Small Business

   FDIC
   Savings Bonds
   North Bank Visa