Additional Terms & Conditions
Monarch Checking
Bank Like Royalty
Personal Checking Rates
Monarch Checking
$0 - $50,000
Interest Rate
2.96%
APY2
3.00%
Minimum Balance to Earn APY
$0
Monthly Maintenance Charge
$0
$50,000.01 + above
Interest Rate
0.01%
APY2
0.01%
Minimum Balance to Earn APY
$50,000.01
Monthly Maintenance Charge
$0
Disclosures
2 APY – Annual Percentage Yield. APYs stated are accurate as of November 30, 2024. Rates may change without notice and may change after the account is opened. Interest is compounded and credited monthly. This is a tiered account and your APY will vary based on your account balance. Balances between $0.00 and $50,000 earn 3.00% APY. Balances above $50,000 earn 0.01% APY on only that portion of your balance resulting in an APY of 3.00% to 1.51% assuming a balance of $100,000. Your periodic statement will reflect a blended rate. Customer must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Personal Schedule of Fees for product and service fee information.
Features
Minimum to open
$10
APY1
Mobile banking
Online billpay
Mobile check deposits
E-statements
Your Credit Score by SavvyMoney®
ATM surcharge rebates
UNLIMITED
Standard wallet-style checks
FULL PRICE2
Active debit card required
Send and receive money with Zelle®
Digital wallet services
FedNow participant
Real-time payments participant
Money orders and official bank checks
-
1 APY – Annual Percentage Yield. APYs stated are accurate as of November 30, 2024. Rates may change without notice and may change after the account is opened. Interest is compounded and credited monthly. This is a tiered account and your APY will vary based on your account balance. Balances between $0.00 and $50,000 earn 3.00% APY. Balances above $50,000 earn 0.01% APY on only that portion of your balance resulting in an APY of 3.00% to 1.51% assuming a balance of $100,000. Your periodic statement will reflect a blended rate. Customer must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Personal Schedule of Fees for product and service fee information.
2Check order charges and taxes may vary depending on the product and shipping method selected. Free orders of wallet-style checks includes taxes and USPS standard first-class mail service with non-traceable shipping.
Fees
Monthly Maintenance Charge
$0
Paper Statement Fee
This fee will be waived for the first two statement cycles. No monthly statement fee is charged on accounts receiving e-statements.
$3
Even when no monthly maintenance charge applies, other transaction and service fees may apply, including insufficient funds (NSF) fees. Terms and conditions apply. See Personal Schedule of Fees for more information.
1APY = Annual Percentage Yield. APY stated is accurate as of 3/1/24 and fixed through 11/29/24. Variable rate determined as of 11/30/24, subject to change without notice. Fees could reduce earnings on the account. Interest is compounded and credited monthly. Offer may change at any time and is available for personal accounts only. $10.00 minimum required to open the account. Balances between $0.00 and $50,000 earn 5.00% APY. Balances above $50,000 earn 0.05% APY on only that portion of your balance resulting in an APY of 5.00% to 2.50% assuming a balance of $100,000. Your APY will vary based on your account balance. Your periodic statement will reflect a blended rate. Active Debit card and eStatements are required. $3.00 fee for paper statements. This fee is waived for the first two statement cycles. See NVBT Schedule of Fees for product and service fees. Contact a NVTeam for details.
Apex Money Market
Peak Rates for Your Savings
Personal Checking Rates
APEX Money Market
$10 - $99,999.99
Interest Rate
2.47%
APY2
2.50%
Minimum Balance to Earn APY
$10
Monthly Maintenance Charge
$0
$100,000 - $499,999.99
Interest Rate
2.71%
APY2
2.75%
Minimum Balance to Earn APY
$100,000
Monthly Maintenance Charge
$0
$500,000 + above
Interest Rate
3.20%
APY2
3.25%
Minimum Balance to Earn APY
$500,000
Monthly Maintenance Charge
$0
Disclosures
2 APY – Annual Percentage Yield. APYs stated are accurate as of November 30, 2024. This is a tiered account. Stated APY for each tier will apply to the entire balance in your account. Tier levels and APYs are subject to change without notice. Interest is compounded daily and credited monthly. Customer must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. Monarch Checking account with an active debit card required. E-Statements required to avoid a $3.00 paper statement fee. See Personal Schedule of Fees for product and service fee information.
Features
Minimum to open
$10
APY1
Mobile banking
Online banking
Mobile check deposits
E-statements
Your Credit Score by SavvyMoney®
Standard wallet-style checks
FULL PRICE2
FedNow participant
Real-time payments participant
Monarch checking account required
Send and receive money with Zelle®
1 APY – Annual Percentage Yield. APYs stated are accurate as of November 30, 2024. This is a tiered account. Stated APY for each tier will apply to the entire balance in your account. Tier levels and APYs are subject to change without notice. Interest is compounded daily and credited monthly. Customer must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. Monarch Checking account with an active debit card required. E-Statements required to avoid a $3.00 paper statement fee. See Personal Schedule of Fees for product and service fee information.
2Check order charges and taxes may vary depending on the product and shipping method selected. Free orders of wallet-style checks includes taxes and USPS standard first-class mail service with non-traceable shipping.
Fees
Monthly Maintenance Charge
$0
Paper Statement Fee
This fee will be waived for the first two statement cycles. No monthly statement fee is charged on accounts receiving e-statements.
$3
Even when no monthly maintenance charge applies, other transaction and service fees may apply, including insufficient funds (NSF) fees. Terms and conditions applicable. See Personal Schedule of Fees for more information.
1APY = Annual Percentage Yield. APYs stated are accurate as of 10/2/2023. Minimum deposit of $10.00 must remain on account to earn stated APY. This is a tiered account. Stated APY for each tier will apply to the entire balance in your account. Tier levels and APYs are subject to change without notice. Customer must have a Monarch Checking account with an active debit card and e-Statements. Fees could reduce earnings on the account.