Personal Banking

Whether you’re looking for a checking account with no monthly service fees or one that earns interest, we are your hometown bank to service your needs! We offer an array of Personal Banking products to suit your various needs. Our outstanding products coupled with our commitment to customer service will provide for you a long term, friendly environment to handle to your banking needs.


Golden Checking Account

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Learn about Consumer Credit Cards, Savings Clubs, and our Student Savings Accounts!

Overdraft Line of Credit

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 coverage. When your account becomes overdrawn, the Line of Credit automatically steps in to cover it. Once your Line of Credit holds a balance (i.e. you drew from it when being overdrawn), the current annual interest rate will prevail. Check the rate page for more details.

Personal Statement Savings*

Deposits and withdrawals may occur daily. Use of our VISA ATM Card (upon approval). A monthly or quarterly statement may be requested or combined with your checking account. The interest rate on this account is .20% with an Annual Percentage Yield of .20%. You must deposit $25 to open this account. 1

Safe Deposit Boxes

A safe and secure place to keep your most valuable possession without worry. Protect what's important to you. Payments on boxes made annually. Contact your local branch for available sizes and pricing.

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Personal Passbook*

Deposits and withdrawals may occur daily. You must always present the passbook to process transactions. The interest rate on this account is .20% with an Annual Percentage Yield of .20%. You must deposit $25 to open this account. 1

IRA and ROTH Retirement Accounts*

You may not make withdrawals on this account until the age of 59-1/2 without incurring a penalty. A maximum of $5,000 per reporting year may be deposited, if you are over the age of 50 you may deposit up to $6,000. The interest rate on this account is .65% with an Annual Percentage Yield of .65%. Deposits may occur daily. You must deposit $1 to open this account. 2

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* Interest rates may change without notice. There are no minimum balances required to obtain current APY.

1 If account is dormant (unused for 1 year), fees may reduce earnings.

2 If a transfer or roll out occurs, associated fees may reduce earnings.

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: