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NOW Account

An account that pays interest on your balance and provides easy access to your money.


  • $500.00 minimum deposit to open this account.


  • Interest on checking when you maintain a $500 average collected daily balance in your checking account.
  • Interest will be compounded monthly and added to your account monthly.
  • Unlimited check writing
  • Free personalized checks for individuals age 60 and over (bank's choice of designs)

Account Fees:

  • A monthly service charge of $10.00 will be imposed every statement cycle unless you maintain a minimum average collected daily balance of $500.00.
  • A dormant service charge of $2.00 per statement cycle will be charged after 12 months of inactivity. Dormant accounts with a $0.00 balance will be closed.
  • Please refer to the fee schedule for all account fees and charges, which is provided at account opening and available upon request.

Notice of Availability:

Privacy of Consumer Financial Information Notice – Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information on the Bank’s website at At your request, we will also mail you a free copy if you call us at 701-748-2900.

By your side for almost 100 years!