Checking Accounts

With NCP checking, you have the convenience you want and the flexibility you need.

NCP's outstanding checking features include:

• Low Minimum $15 opening deposit when you sign up for direct deposit at the same time ($50 minimum opening deposit without direct deposit).
• No minimum balance and no monthly service fee
• Competitively priced checks in a variety of styles
• Carbon copy checks for easy record keeping
• Monthly statement either by paper or via electronic eStatements
• Quick and easy check ordering. Click here to order new checks

 

Overdraft Protection

Overdraft protection provides peace of mind. In the event that the funds in your checking account are insufficient, overdraft protection will automatically transfer money to your checking account to cover outstanding checks. The overdraft option must be selected by the member to be active.

There are two options for Overdraft Protection:

• From Your Savings Account. In accordance with Federal Regulation D, you may transfer up to six times per month from any share account designated to cover non-sufficient funds.
• From Your Overdraft Line of Credit. Alternately, you may apply for an ongoing Line-of-Credit. The interest rate for the Line-of-Credit is dependant upon the member's credit qualifications.

The overdraft option must be selected by the member, who specifies which account will provide the primary overdraft protection.