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Deposit Products

All rates listed below are variable. Rates are accurate as of
May 07, 2008.

Checking Accounts

Regular | Business

Basic Free Checking Account
Apply for an account online
Balance of
$1,000+		 Annual Percentage Yield (APY)
0.25%		 Interest Rate
0.25%
Less Than
$1,000		 Annual Percentage Yield (APY)
0.10%		 Interest Rate
0.10%

  • $10 Minimum to Open
  • No Monthly Service Charges
  • No per check charges
  • Night Depository
  • ATM/Point of Sale Access (NYCE, Plus & MasterCard Networks)
  • Direct Deposit/Automatic Withdrawal
  • 24 Hour access using our 800 number
  • Internet access using BANKNBSB eBanker
  • Rate subject to change after account is opened

Free Checking Plus
Non-Interest Bearing
Apply for an account online

  • $10 Minimum to Open
  • No Monthly Service Charges
  • First order of checks free
  • Night Depository
  • Free foreign ATM transactions (surcharges may apply at non-SUM ATM's)
  • Free Online Banking with Bill-Payment
  • ATM/Point of Sale Access (NYCE, Plus & MasterCard Networks)
  • Direct Deposit/Automatic Withdrawal
  • 24 Hour access using our 800 number
  • Internet access using BANKNBSB eBanker
Teen Checking
Apply for an account online

This account offers the same features and benefits as adult checking accounts PLUS some extras just for teens.
  • $1 minimum to open
  • Open to teens aged 15 - 17
  • Checking account responsibility course must be completed prior to account being opened Click Here for Course
  • Parent or legal guardian must be account co-owner
  • No overdraft privilege
  • Free non interest-bearing checking with unlimited check writing
  • Free checks
  • Free debit/ATM card
  • Free online banking and bill payment
  • Free ATM transactions at SUM ATMs
  • Account converts to Free Checking Plus when owner reaches age 18
  • Direct deposit/automatic withdrawal
  • 24 hour access using our 800 number
  • .50% first time consumer or auto loan discount
  • Cash for good grades*

*Report cards must be submitted between 1/15 – 2/28 or 6/15 – 7/31; 2 submissions per year; $5 will be deposited into the student’s account for GPA of at least 3.0 or equivalent.

To open a Teen Checking Account:
1) Complete the online checking account responsibility course: Click Here for Course

2) Complete the online account application: Apply for an account online

That’s it! We will contact you to make arrangements to complete the account opening process through the mail, in person at the branch of your choosing, or at our next school banking day!

Free Business Checking
Non-Interest Bearing
Apply for an account online

  • $10 Minimum to Open
  • No Monthly Service Charges
  • Night Depository
  • Free foreign ATM transactions (surcharges may apply at non-SUM ATM's)
  • Free Online Banking with Bill-Payment
  • ATM/Point of Sale Access (NYCE, Plus & MasterCard Networks)
  • Direct Deposit/Automatic Withdrawal
  • 24 Hour access using our 800 number
  • Internet access using BANKNBSB eBanker
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Savings Products

Passbook | Statement Savings | Club


Passbook Savings
Apply for an account online
Annual Percentage Yield (APY)
1.02%		 Interest Rate
1.00%
  • $10 Minimum
    to Open
  • No Monthly Service Charges
  • Night Depository
  • Bank By Mail
  • Direct Deposit
  • 24 Hour account information using our 800 number
  • Internet access using BANKNBSB eBanker (viewing & credit transactions only)
  • Rate subject to change after account is opened


High Five Savings FOR KIDS
Apply for an account online
Annual Percentage Yield (APY)
5.00%		 Interest Rate
4.81%
  • $1 Minimum
    to Open
  • Balances over $500 will earn statement savings rate.
  • Account converts to statement savings account when owner reaches age 18.
  • Limit one account per minor tax owner.
  • No Monthly Service Charges
  • Night Depository
  • Bank By Mail
  • Direct Deposit
  • 24 Hour account information using our 800 number
  • Internet access using BANKNBSB eBanker
  • Transaction Limitations Apply
  • Rate subject to change after account is opened

Statement Savings
Apply for an account online
Annual Percentage Yield (APY)
1.02%		 Interest Rate
1.00%

  • $10 Minimum
    to Open
  • No Monthly Service Charges
  • Night Depository
  • Bank By Mail
  • ATM Access (NYCE & Plus Networks)
  • Direct Deposit/Automatic Withdrawal (Transaction limits apply)
  • 24 Hour access using our 800 number
  • Internet access using BANKNBSB eBanker
  • Rate subject to change after account is opened
  • Transaction Limitations Apply

Club Accounts
Apply for an account online
Annual Percentage Yield (APY)
.50%		 Interest Rate
.49%

  • $2 Minimum to Open
  • Direct Deposit
  • Passbook Account
  • Checks are mailed at maturity
  • No need to open a new account at maturity
  • No monthly service charges
  • Vacation Clubs Mature June 1
  • Christmas Clubs Mature November 1
  • Internet access using BANKNBSB eBanker (viewing & credit transactions only)
  • Rate subject to change after account is opened
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