Personal Accounts



A summary of many of our deposit products is provided below. A complete disclosure of the terms and conditions of each account may be obtained from one of our Bankers.


Direct Deposit Checking

Checking convenience with no maintenance or transaction fees if your payroll, retirement or benefit payments are electronically deposited into the account. ATM and Debit card access add additional convenience to this account. You can access this account online with our Online Banking, Mobile Banking and Online BillPay services.


Personal Checking

This checking account offers convenient access to your funds. Most fees may be avoided by maintaining a low minimum balance throughout your statement cycle. ATM and Debit card access add additional convenience to this account. You can access this account online with our Online Banking, Mobile Banking and Online BillPay services.


Flat Fee Checking

This account offers all of the convenience of a checking account for one low monthly fee. ATM and Debit card access add additional convenience to this account. You can access this account online with our Online Banking, Mobile Banking and Online BillPay services.


Student Checking

Full-time students are eligible for this account which offers the convenience of a checking account with no monthly maintenance or transaction fees. Enjoy our personal service along with convenient electronic access via ATM or Debit card access, Online Banking, Mobile Banking and Online BillPay.


Basic Checking

There are no maintenance or transaction fees associated with this account. This account is available to consumers who are 62 years of age or older or 18 years of age or younger. ATM and Debit card access add additional convenience to this account. You can access this account online with our Online Banking, Mobile Banking and Online BillPay services.


NOW

Earn a competitive interest rate while enjoying all of the convenience of a checking account. Avoid maintenance and transaction fees by maintaining a low minimum balance throughout your statement cycle. The availability of this account is restricted by federal law. Your Banker can determine whether you are eligible for this account. ATM and Debit card access add additional convenience to this account. You can access this account online with our Online Banking, Mobile Banking and Online BillPay services.


MoneyFund

Enjoy check access to your account while earning higher rates for larger balances. Avoid maintenance and transaction fees by maintaining a low minimum balance throughout your statement cycle. The availability of this account is restricted by federal law. Your Banker can determine whether you are eligible for this account. ATM and Debit card access add additional convenience to this account. You can access this account online with our Online Banking, Mobile Banking and Online BillPay services.


MoneyMarket

Earn competitive rates on your balances while having access to your funds. While in-person and ATM withdrawals are unlimited, federal law limits certain other types of transactions (including checks, pre-authorized or automatic transfers, transfers initiated by telephone, facsimile or online banking, debit card transactions and other payments to a third party) to six per monthly statement cycle. You can access this account online with our Online Banking and Mobile Banking services.


Personal Savings

Personal savings accounts are available in either passbook or statement form. While in-person and ATM withdrawals are unlimited, federal law limits certain other types of transactions (including pre-authorized or automatic transfers, transfers initiated by telephone, facsimile or online banking, debit card transactions and other payments to a third party) to six per monthly statement cycle. You can access this account online with our Online Banking and Mobile Banking services.


Basic Savings

There are no maintenance or transaction fees associated with this account. This account is available to consumers who are 62 years of age or older or 18 years of age or younger. While in-person and ATM withdrawals are unlimited, federal law limits certain other types of transactions (including pre-authorized or automatic transfers, transfers initiated by telephone, facsimile or online banking, debit card transactions and other payments to a third party) to six per monthly statement cycle. You can access this account online with our Online Banking and Mobile Banking services.


Holiday Club

This account provides a convenient way for you to accumulate savings for the holiday season. You authorize us to periodically (i.e. weekly, biweekly, etc.) transfer a specific amount into this account from one of your other deposit accounts. Each year, on the first business day of November, the full balance of accrued interest and principal will automatically be charged to this account and transferred to the checking or savings account you have designated - just in time for the holidays! There are no maintenance or transaction fees associated with this account. You can access this account online with our Online Banking and Mobile Banking services.


Certificates of Deposit

Several CD options are available with competitive interest rates, investment terms ranging from 3 to 60 months and a low $500 minimum investment. You can choose from a variety of interest payment options - interest may be compounded and capitalized monthly, directly deposited into another Northmark Bank account, or paid by check. A penalty may be imposed for early withdrawal. You can access this account online with our Online Banking and Mobile Banking services.


IRA Accounts

We offer both Traditional and Roth IRA accounts. All of our certificates of deposit are eligible as IRA investments. You can access this account online with our Online Banking and Mobile Banking services.


Consult with one of our experienced Bankers today at (978) 686-9100 or (781) 721-9100 to find a deposit account that’s right for you!