Checking Accounts Savings Accounts Investment Accounts Personal Loans 24 Hour Banking Convenience Services Deposit Rates Loan Rates Re-order Checks Basic Checking Regular Checking NOW Checking Money Market NOW Account Checking By maintaining a minimum daily balance of $750.00, this account features competitive interest rates on all balances and offers unlimited free checking and debiting. If for any reason the minimum daily balance dips below $750 the account fee is just $3.00 per month plus $0.30 per check or debit. However, interest is earned at all times. Opening the account is easy. All you will need is a current driver’s license, current passport or social security number. In addition, a Master Money or ATM card is available with the account which makes withdrawals and debit transactions extremely convenient. Adding overdraft protection to the account for added flexibility is another convenient option. All ATM transactions at National Grand Bank ATM machines or any ATM in the "SUM" Network will be free. Also, there are no charges for balance inquires or Point-of-Sale transactions. Look for the "SUM" Logo to avoid surcharges. Internet Banking is free to everyone. Member FDIC Equal Housing Lender