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Personal Checking Services

     For most people, some type of checking or NOW account is the most basic and frequently used financial service. We think you will find that our selection of interest and non-interest bearing checking accounts will provide you with the convenience and flexibility that you need.


     With competitive rates and fees, our checking services are economical and can be suited to your financial needs and lifestyle. Our accounts are designed with our customers in mind. Our accounts provide you with total ease and convenience.


     Each depositor is insured up to $100,000 by the Federal Deposit Insurance Corporation (FDIC). Current rates and annual percentage yields on checking accounts are available. Call today as a Customer Service Representative is awaiting your call to assist you with any questions you might have.

Interest Bearing Accounts


Super Now Account Checking


You earn various different interest rates with a three-tiered average daily balance system. The three tiers are:

  • $500 - $4,999.99
  • $5,000 - $9,999.99
  • $10,000 - $999,999.99


The following services are available with every Super Now Checking account.

  • $500.00 Average Daily Minimum Balance - If you keep your Super Now Account above this daily minimum balance a service charge will not be applied to your account.
  • Free Internet Banking/Bill Pay
  • Unlimited Check Writing/No Per Item Fees
  • Interest Rates are Compounded Monthly
  • Average Daily Balance Method used to calculate Interest
  • Larger Balances earn higher rates and annual percentage yields
  • Interest Rate and Annual Percentage Yield will depend upon the Average Daily Balance in the account
  • Monthly Statement and Images are provided for each individual account
  • Nebraska National Bank ATM Card for 24 hour banking nationwide
  • Nebraska National Bank Visa Check Card

For accounts not maintaining the minimum balance, the monthly service charge is $5.00 plus $0.15 per check writtne during the month.


A seperate Fee Schedule applies to this account. Contact a Personal Banker if you have any questions.

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Golden Advantage Club Checking


An outstanding checking account for customers age 50 or older. The Golden Advantage Club Account earns interest with lots of benefits for its memebers. You can earn various different interest rates with a three-tiered Average Daily Balance system. The three tiers are:

  • $100 - $2,999.99
  • $3,000 - $7,999.99
  • $8,000 - $999,999.99


The following services are available with every Golden Advantage Club Checking account:

  • Unlimited Check Writing/No Per Item Fees
  • Interest Compounded Monthly
  • Average Daily Balance Method use to calculate Interest
  • Free Checks - Nebraska National Bank Wallet Style
  • Free Money Orders
  • Up to 20 free photocopies free per month
  • No Per Check Charge
  • No Membership Dues
  • Free Internet Banking/Bill Pay
  • Monthly Statement/Images
  • 25% Discount on safe deposit box rental
  • Discount Travel Opportunities
  • Club Newsletter
  • Nebraska National Bank ATM Card/Nebraska National Bank Visa Check Card

For those customers not maintaining the minimum balance, pay a falt fee of $10.00 per month.


A seperate Fee Schedule applies to this account. Contact a Personal Banker if you have any questions.

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Money Market Consumer Checking Account


This is a great account if you want to invest your money and still be able to withdrawl funds on a periodic basis.


The following services are available with every Consumer MMA:

  • $1,000.00 Average Daily Minimum Balance to avoid service charges
  • Up to six transfers from your account each four weeks or similar period by check or electronically, three may be payments by check to third parties
  • Free Internet Banking/Bill Pay Services
  • Withdrawls in person not limited
  • Interest is compounded monthly
  • Average Daily Balance method used to calculate interest
  • Monthly Statement/Images


For accounts not maintaining the minimum balance, the monthly service charge is $5.00 plus $0.15 per check writtne during the month.


A seperate Fee Schedule applies to this account. Contact a Personal Banker if you have any questions.


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Golden Advantage Club MMA


Our Golden Advantage Club money market account is for customers age 50 or older who qualify. It is a wonderful way to invest your money if you are not going to use it daily.


The following services are available with every Golden Advantage MMA:

  • Maintain a $500.00 Average Daily Minimum Balance in either a checking or savings account or maintain a Certificate of Deposit of $5,000.00 or larger
  • Up to six transfers from your account each four week or similar period by check or electronically, three may be payments by check to third parties
  • Free Internet Banking/Bill Pay Services
  • Withdrawls in person not limited
  • Interest Compounded Monthly
  • Average Daily Balance Method used to calculate interest
  • Free Checks - Nebraska National Bank Wallet Style
  • Monthly Statement/Images
  • Newsletter (quarterly)
  • For Accounts not maintaining the minimum balance, the monthly service charge is $10.00 plus $0.15 per check written during the month.
  • A seperate Fee Schedule applies to this account


For those customers not maintaining the minimum balance, pay a falt fee of $10.00 per month.


A seperate Fee Schedule applies to this account. Contact a Personal Banker if you have any questions.

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Money Market Investment Account



The following services are available with every Consumer MMI:

  • $10,000.00 Average Daily Minimum Balance to avoid service charges
  • Up to six transfers from your account each four weeks or similar period by check or electronically, three may be payments by check to third parties
  • Free Internet Banking/Bill Pay Services
  • Withdrawls in person not limited
  • Interest is compounded monthly
  • Average Daily Balance method used to calculate interest
  • Monthly Statement/Images


For accounts not maintaining the minimum balance, the monthly service charge is $5.00 plus $0.15 per check writtne during the month.


A seperate Fee Schedule applies to this account. Contact a Personal Banker if you have any questions.


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Non-Interest Bearing Accounts

Regular Checking Account


This is a great account for anyone who wants a low cost, safe, and convenient alternative to carrying cash.


The following services are available with the basic Regular Checking Account:

  • $100.00 average daily minimum balance to avoid service charges
  • Free Internet Banking/Bill Pay Services
  • No Per Check Charge
  • Unlimited check writing
  • First Box of checks free - Nebraska National Bank wallet style
  • Nebraska National Bank ATM card for 24 hour banking nationwide
  • Nebraska National Bank Visa Check Card
  • Monthly Statement/Images
  • For accounts not maintaining a minimum balance, the monthly service charge is $5.00.


A seperate Fee Schedule applies to this account. Contact a Personal Banker if you have any questions.


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No Charge Checking Account


This account applies to senior citizens 65 and over, students, and/or minors 21 and younger. It is a great checking account with no minimum balance.


The following services are available with the basic No Charge Checking Account:

  • Unlimited check writing
  • No Per Check Charge
  • Free Internet Banking/Bill Pay Services
  • First Box of checks free - Nebraska National Bank wallet style
  • Nebraska National Bank ATM card for 24 hour banking nationwide
  • Nebraska National Bank Visa Check Card
  • Monthly Statement/Images


A seperate Fee Schedule applies to this account. Contact a Personal Banker if you have any questions.


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**All of Nebraska National Bank's interest bearing accounts use the daily mehtod to calculate interest(unless otherwise specifically stated). This method applies a periodic rate to the average daily balance in the account paid for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

**Interest begins to accrue on the next business day following the effective date of deposit. Interest will be compounded quarterly and will be credited to the acount quarterly with the exception of Christmas Club Savings Accounts, which is compounded annually. If you close the account before interest is credited you will not receive the accrued interest. The interest rate and annual percentage yield may change, and at our discretion, we may change the interest rate on the account.


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