Check 'N Save Negotiable Order of Withdrawal (N.O.W.) Account
A competitive interest bearing account for those who maintain higher balances and have unlimited check writing needs.
Personal Check 'N Save (N.O.W.) Account Overview
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- $100 Opening DepositEasy to get started by depositing a minimum of $100 in your account
- No Service Charge if Required Balance is Maintained*See account requirements and service fees below
- Maximize Your InvestmentEarn interest when balance requirements are made
- Variable Interest RateFunds earn competitive current rates with IBC Bank's interest rate
- Calculated InterestInterest is calculated using the collected balance
Oklahoma accounts, as allowed by law, a dormant fee of $5 /month after 1 year without customer initiated transactions, such as deposits or withdrawals
Account Requirements and Service Fees:- Maintain average collected balance of $3,000 or more, or a minimum daily balance of $1,500 to avoid service charge
- Variable rate of interest. Requires a minimum daily balance of $1,500 to earn interest.
- Not available to corporations, partnerships, LLCs or any other for-profit corporations
- Ownership of N.O.W. accounts is limited by Federal Regulation
- Interest is calculated using investable balance
- Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (e.g. checks)
- $10.95 service charge per month if balance requirements are not met
- Per debit charge is $0.25
- Postage fee based on number of enclosures
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