Personal-Business

Free Personal & Business Checking.

Special features include:
* No minimum balance
* No monthly service charge
* Unlimited Check Writing & Withdrawals
* Free Visa Check Card Available. Click for more information.
* Free Access to Personal & Business Internet Banking
* Free Unlimited Bill Payments
* Free Check Images Returned with Statement
* No Foreign ATM Surcharges (assessed by our bank)
* Overdraft Line Available                                                                                                                                      * Commercial Services - Click for more information.

NOW Account

NOW / GOLDEN Interest Checking Account

Special features include:
* $1,000 minimum balance
* Earns Interest
* No monthly service charge if minimum balance is not maintained ($5.00)
* Unlimited Check Writing & Withdrawals
* Free Visa Check Card Available. Click for more information.
* Free Access to Personal & Business Internet Banking
* Free Unlimited Bill Payments
* Free Check Images Returned with Statement
* No Foreign ATM Surcharges (assessed by our bank)

Personal-Business Demand Deposit Loan Accounts

This valuable service can attach a revolving line of credit to your checking account (subject to credit approval). This can provide your checking account with extra overdraft protection. No account fees exist, except when in use, at which time the current annual interest rates will prevail. Check the rate page for more details.

Important Information

Our bank uses the average daily balance method to calculate interest on your account, if applicable. This method applies a periodic rate to the average daily balance in the account 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. The above mentioned account descriptions are not all encompassing. To request a full account opening disclosure by mail contact:

National Bank of Coxsackie
3-7 Reed Street
Coxsackie, NY 12051-0400
Attention: New Account Opening
(518) 731-6161 Voice or Email at: dgardner@nbcoxsackie.com

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