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Personal Checking
Elite Checking Account  
Just look at some of the benefits a North Central Bank Elite checking account provides with NO minimum balance required PLUS interest, all for a low monthly fee.  
  • Free personalized member checks
  • Cash back buyers rewards program (can pay over ½ your annual account cost)
  • Free money orders
  • Free safety deposit box rental for an entire year (certain restrictions apply)
  • Community Discount Card
  • Free Notary Services
  • North Central Bank MasterCard & 1000 Scorecard Points (qualified applicants only)
  • Discounted License Sticker Renewals
  • And more money-saving benefits!!
  • Contact us for more details about this popular account and the many valuable benefits it provides. 
    Regular Checking Account  
    Enjoy unlimited check writing with no minimum balance required for a low monthly fee. Monthly fee is waived for full-time students, senior citizens age 65 or better, or if a $500 average monthly balance is maintained. 
    Independence Checking Account 
    Students can increase their financial independence with money saving benefits. 
  • Available to students 14-24
  • No monthly service charge
  • Low minimum opening balance
  • No minimum balance required
  • Free Standard ATM/Debit Card*
  • Free internet banking with bill pay*
  • E-Statements are required with this account
  • Free first box of checks
  • * Regular age & credit restrictions apply 

    NOW Account  
    Receive interest on your idle checking account funds with the North Central Bank NOW checking account. Simply maintain a $1000 average minimum balance and no service fee will apply.  
    Super NOW Account  
    Earn even more interest on your checking account by maintaining a higher average balance of $2500. 
    Overdraft Privilege  
    Convenient checking account protection that can save you money and hassle! Have you ever had your Bank return your check due to insufficient funds? Not only is it embarrassing and can result in multiple fees from your bank and the merchant where your check was returned, the merchant may no longer accept your checks in the future. Our Overdraft Privilege program is designed to help guard you against having your checks returned to avoid this situation.  
    *If you overdraw your account, the current fee is $25.00 per item. An encouragement fee of $5.00 per business day will be charged after the tenth business day that the account remains overdrawn. A fee may be imposed for covering overdrafts "created by check," in person withdrawal, ATM withdrawal, bill payments, external transfers, wire transfers, and ACH transactions. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. We typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.  
    Deposit Rates 
    Apply Now  
    Order your checks online through Harland Clarke's website.   

    North Central Bank offers a wide variety of checking accounts and services to meet everyone's needs.  Contact our new account representatives in  
    Hennepin or Ladd today! 
    It's time to get the attention  
    you deserve. 

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