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Basic Checking

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Senior Advantage Checking

OnBudget Banking

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Product Highlights
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If you want a hassle-free account with unlimited check writing, this account is for you.
This account is filled with benefits designed to help elevate your personal financial management, while earning premium interest on checking, savings, money market, and CD accounts.

This account is an exceptional value for clients 62 and older, with ATM surcharge waivers and convenient Online and Mobile Banking tools.

This account helps keep you aligned with your financial goals, with a predictable monthly maintenance fee and no overdraft fees
Requirements to Open
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$50.00
$50.00

Be age 62 or older and open the account with a minimum of $50
$50.00
Monthly Maintenance Fee
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$9.00
$15.00
$6.00
$5.00
Options to Avoid the Monthly Maintenance Fee
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To avoid monthly maintenance fee, fulfill at least one of these requirements:


$1,500 average daily deposit balance during the statement cycle OR


At least $500 deposited per month by ACH direct deposits OR


Make at least one credit card[cite::168::cite] purchase using a Nevada State Bank credit card. Cardholder must be primary owner of the checking account OR


Fee waived for students 25 years old and younger

$10,000 combined deposit balance for the following linked consumer accounts: Checking, Savings, Money Market, CD and IRA[cite::95::cite]


OR


$25,000 combined deposit and loans balance[cite::95::cite].

$500 minimum daily balance


OR


At least $250 deposited per month by ACH direct deposit

There is a flat $5.00 monthly fee for OnBudget Banking


Check writing and Online Bill Pay are not available with the OnBudget Banking product.
Statement Options
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eStatements included. Opt out of paper statements to avoid the monthly $2.50 paper statement fee.

Paper statements included at no extra cost or go paperless with eStatements and eNotices.

To avoid the paper statement fee of $2.50, the account must enroll in Online Banking and opt out of receiving paper statements[cite::78::cite]

To avoid the paper statement fee of $2.50, the account must be enrolled in Online Banking and opt out of receiving paper statements
Get cash with no fees at more than 500 Nevada State Bank network ATMs
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An ATM charge of $2.50 applies to withdrawals conducted at an ATM not owned or operated by Nevada State Bank network or other divisions of Zions Bancorporation, N.A.

No Nevada State Bank withdrawal charge on up to three (3) transactions at other banks' ATMs per month[cite::136::cite]

No Nevada State Bank withdrawal charge on the first transaction at other banks' ATMs per month[cite::136::cite]

An ATM charge of $2.50 applies to withdrawals conducted at an ATM not owned or operated by Nevada State Bank network or other divisions of Zions Bancorporation, N.A.
Prevent overdrafts with automatic transfers from another account
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$10.00 per automatic transfer from another deposit account to cover an overdraft. $5.00 per advance from your Reddi Reserve Line of Credit

No charge for Overdraft Deposit Transfers and Reddi Reserve Line of Credit[cite::85::cite] Transfers

$10.00 per automatic transfer from another deposit account to cover an overdraft. $5.00 per advance from your Reddi Reserve Line of Credit

$10.00 per automatic transfer from another deposit account to cover an overdraft. $5.00 per advance from your Reddi Reserve Line of Credit[cite::98::cite]
Receive discounts on checks ordered through Nevada State Bank
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Yes[cite::86::cite]
Yes[cite::86::cite]

Annually receive exclusive checks for a $5.95 handling fee per order OR a $5.00 credit toward the purchase of another style[cite::138::cite]

Check writing is not available with the OnBudget Banking account
Receive a discount of 50 percent on a Safe Deposit Box where available
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N/A
Yes
Yes[cite::97::cite]
N/A
Complimentary Online Banking services: Online and Mobile Banking, Bill Pay Mobile, Remote Deposit, Purchase Alerts, and Zelle®[cite::193::cite]
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Yes[cite::166::cite]
Yes[cite::166::cite]
Yes[cite::166::cite]
Enjoy the benefits on online and mobile banking, mobile check deposits, purchase alerts and Zelle® [cite::193::cite]


Online bill pay is not available with the OnBudget Banking account.
No monthly maintenance fee for additional Savings or Money Market accounts linked to your relationship
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Standard fees apply
Yes[cite::140::cite]
N/A
N/A
Complimentary Cashiers Checks - Up to 5 per month
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N/A
Yes
N/A
N/A

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