National Bank of Commerce Personal Business About Contact Login Search for: Search PERSONAL BANKING Your bank’s got your back. Checking Savings Mortgage Lending Signature Banking 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 View All Details Choice Choice of statement delivery – eStatements or paper statements (no charge) Mobile deposit capture Finance360 (aggregator) View All Details Choice+ Choice of statement delivery – eStatements or paper statements (no charge) Interest bearing One order of 200 personalized checks per year View All Details 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 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 Retirement 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. Contact a Banker 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 View All Details 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 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 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 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. Contact a Banker 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 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 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 Home Loans Buying a home is a big deal. Getting a mortgage, less so. Apply Online 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 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 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 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 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 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 VA No down payment loans for eligible veterans. Competitive terms Easy application process Owner occupied primary residence View All Details Lending Whether you need smart lending options for life’s big purchases, or a safety net for unexpected expenses, we’re ready to help. Contact a Banker ATV, Auto & Boat Loans Fast approval with convenient terms. Secured and unsecured options Flexible repayment terms Credit decision made locally View All Details 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 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 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 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. 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