Personal Checking

• LIFE Platinum Account
• LIFE Gold Account
• LIFE Silver Account
• LIFE Plus Account
• Simple LIFE Account
• Starting LIFE Account for Students
• Features of LIFE
• Debit Cards
• Direct Deposit
• Online Banking/Online Bill Pay
• LIFE Checking Brochure

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Personal checking should be as individual as you are. Discover yourself in a LIFE Checking Account from National Bank of Commerce. True financial freedom starts with a checking account designed for the way you live. LIFE Personal Checking Accounts take care of what is important to you. With six unique checking packages, from basic to deluxe, LIFE Personal Checking offers an account option perfect for wherever you are in life. Each account comes with all the standard banking features you expect, plus some you just want to have. Add even more value to your account by choosing from a variety of extras from our LIFE Optional Features List. The more you bank, the more you benefit. If only life were so simple.

Applying is easy. Just call (877) 733-6862 to talk with a National Bank of Commerce Financial Service Representative. Or, visit one of our Banking Centers to explore the services right for you. It’s all about making LIFE simple. Whether you bank a little or a lot, LIFE Personal Checking has you covered.

You want a premium account that rewards you with unlimited banking services and features, preferred interest rates, and all the privileges you expect.

• Comes with ALL of our LIFE Features and optional LIFE features (see listing)
• $100 minimum opening deposit
• $10,000 minimum daily balance ($10 monthly maintenance fee if balance falls below $10,000)
• Earns Money Market type rates in an account offering unlimited check writing and interest on a four tiered rate structure

You want to maintain a higher account balance with the benefit of earning interest and adding banking features.

• Includes ALL of our standard LIFE features (see listing)
• Choose four Optional LIFE Features (see listing)
• $100 minimum opening deposit
• Interest bearing calculated on daily balance method (flat rate)
• $500 minimum daily balance ($8 monthly maintenance fee if balance falls below $500)

You want a basic checking account that helps you simplify and better manage your day-to-day life.

• Includes ALL of our standard LIFE features (see listing)
• Choose two additional LIFE Features (see listing)
• $100 minimum opening deposit
• No minimum balance
• $5 monthly maintenance fee
• With Direct Deposit of a paycheck or Social Security check, the maintenance fee may be avoided.

You’re 50 or over and want a flexible account with no fees or balance requirements, maximum banking features, PLUS the opportunity to earn interest on your money.

• Includes ALL of our standard LIFE features and optional LIFE features (see listing)
• $100 minimum opening deposit
• No monthly maintenance fee
• No minimum balance requirements
• Earns a flat rate of interest with a minimum daily balance of $750

When you want to add a second checking account, Simple LIFE is the answer. Simple LIFE Accounts offer ALL of the standard features as your original LIFE Account, with no monthly maintenance charge or minimum balance requirements and only $100 minimum to open. A Simple LIFE Account cannot be the client's main account, but rather a supplemental account.

With National Bank of Commerce's new starting LIFE checking account, students ages 15-21 can learn financial responsibility and have more financial freedom. Here are some features:

• Only $50 to open an account
• No minimum balance requirements
• No service charges
• Complimentary e-statements, online banking and bill pay
• Complimentary box of starter checks
• One time use of “Accidents Happen” (one NSF fee waive per year - for when you make those silly mistakes
• And more! See your Financial Service Representative for details!

Click HERE for Starting LIFE Checking brochure

Standard LIFE Features automatically included with all personal checking accounts:

• Debit Card⁽¹⁾
• Transaction fees refunded automatically at any non-National Bank of Commerce ATMs - no receipts to save!!
• Complimentary e-statements, online banking and bill pay
• Monthly image statement with photocopies of your cancelled checks or e-statements
• Unlimited check writing
• Free Notary Public Services
• Direct deposit
• Complimentary use of National Bank of Commerce's Internet Stations in our Banking Centers
• Complimentary use of Business Center and meeting space in our Banking Centers
• National Bank of Commerce's "ENRICH" quarterly newsletter

Additional Optional LIFE Feature (number of options vary by account types)

• One National Bank of Commerce Personal Savings or Simple LIFE Checking Account with no monthly maintenance fee
• Free National Bank of Commerce logo wallet style checks
• 50% discount on other wallet style personalized checks
• No fee for Cashier Checks
• No fee for American Express Traveler Checks
• 50% discount on Safe Deposit Box rental
• No annual fee for a Personal or Executive Line of Credit⁽¹⁾ (available only for clients 62 and older)
• No fee for Domestic Wire Transfer
• No fee for Stop Payments
• 1/4% bonus on 12 to 60 months Certificate of Deposits⁽²⁾⁽³⁾

The ultimate tool for banking on the go, your National Bank of Commerce Debit Card⁽¹⁾ lets you access your money anytime, from thousands of ATM locations worldwide. Any ATM machine is your ATM machine, and any other banks’ ATM transaction charges are automatically refunded to your LIFE Account. Funds you withdraw are automatically deducted from your LIFE Checking Account, and you can track every transaction through Online Banking or your monthly e-statements. Use your versatile and convenient Debit Card⁽¹⁾ to:

• Withdraw up to $800 cash (daily)
• Transfer funds between accounts
• Check account balances
• Get automatically refunded on all ATM charges from other bank ATMs. There are no receipts to keep up with!
• Get cash advances from your Personal Line of Credit⁽¹⁾

Never stand in a teller line on payday again. When you enroll in Direct Deposit, your paycheck is electronically transferred into your personal account on the day you are paid. It’s the quickest way to access your money, and the service is free with any LIFE Checking Account.

With National Bank of Commerce’s Online Banking, you can view your checking, money market or loan account balances, transfer funds, view check images, make loan payments and more – whenever, wherever. Add Online Bill Pay to make all of your monthly payments online, and never buy a stamp again! With state-of-the-art security, banking is always ready when you are.