Checking Just Got Easier Total access. That’s what an NMTW Checking Account provides. These easy to manage accounts allow you to make payments with traditional checks, online bill paying, or EFT (electronic funds transfer). Plus, the Visa® Debit card that accompanies every account allows you to make purchases, deposit, withdraw, and transfer funds around the clock by phone, online, or at an ATM. Of course, we also love to see you in person at one of our branches and you can also continue to mail your deposits. See which account best suits your needs:
Make sure you’re always covered and add an overdraft line of credit to your account.
Ordering checks is always easy – and FREE - with our online system. Make the switch now! With our Switch Kit, you can quickly transfer your outside accounts to NMTW.
Read our EFT agreement  to learn more about terms and conditions. In addition to our Visa® Debit card, we also offer VISA® Platinum, VISA® Classic, and MasterCard® credit cards.
Checking Account Comparison| Account Feature | Access Checking | Net Checking | Advantage Checking | Benefit Checking | Youth Checking | | Earns Interest | No | No | .10% or 1.25% | .25% | No | | | | | | | | | Minimum balance | None | None | .10% -under $2,500 1.25%-$2,500 & over | None | None | | Minimum to avoid service charge | None | None | None | None | None | | Direct Deposit | No | Yes | Yes | No | No | | | | | | | | | ATM/Debit Fees | 8 Free at surcharge free ATMs
$.50 balance inquiries at non-NMTW ATMs
No Annual Fee | Unlimited Free at surcharge free ATMs
$.50 balance inquiries at non-NMTW ATMs
No Annual Fee | Unlimited Free at surcharge free ATMs
$.50 balance inquiries at non-NMTW ATMs
No Annual Fee | Unlimited Free at surcharge free ATMs
$.50 balance inquiries at non-NMTW ATMs
No Annual Fee | Unlimited Free at surcharge free ATMs
$.50 balance inquiries at non-NMTW ATMs
No Annual Fee | | Rewards | No | Yes | No | No | No | | | | | | | | | Checks | Free standard checks
First order only | 12 Starter Checks free | Free standard checks
First order only | Free Lifetime | Free standard checks | | Per check fee | None | None | None | None | None | | Check copies | Free online or $2 | Free online or $2 | Free online or $2 | Free online or $2 | Free online or $2 | | Overdraft Transfer available | Yes- $5.00 per transfer 6 max per month | Yes- $5.00 per transfer 6 max per month | Yes- $5.00 per transfer 6 max per month | Yes- $5.00 per transfer 6 max per month | Yes- $5.00 per transfer 6 max per month | | Overdraft Line of Credit available | Yes | Yes | Yes | Yes | Yes | | Online Bill Pay | FREE | FREE | FREE | FREE | FREE | | Online Banking | FREE | FREE | FREE | FREE | FREE | | e-Statements | FREE | FREE | FREE | FREE | FREE | | Telephone Access | FREE | FREE | FREE | FREE | FREE |
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