Personal Account Products

As an individual, finding a personal account option that matches your needs is important. New Century Bank is proud to offer a variety of personal account products for you to choose from.

For your convenience, we've provided the details of all of our personal account options so that you can select the one that best meets your needs. If additional assistance is needed, please call us at 910-892-7080.

Basic Checking | Senior Citizens Checking
Student Checking Account | Regular Checking
Century Now Checking | Century Club Account
Century Gold Checking | Regular Savings | Gold Savings
Money Rate Investment | Other Services

Access My Personal On-Line Banking

Basic Checking - NOW FREE CHECKING

• Benefits:
  • $100.00 to open account
    
    
• How to qualify:
  • No minimum balance
  • No monthly maintenance fee
  • No per item transaction charge***

***Notice regarding ATM fees by others: If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.

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Senior Citizens Checking

• Benefits:
  • $100.00 to open account

• How to qualify:
  • For people 50 and over
  • No minimum balance
  • No monthly maintenance fee
  • No per item transaction charge***

^***Notice regarding ATM fees by others: If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.

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Student Checking Account

• Benefits:
  
  • $100.00 to open account
    
  • Up to 25 checks or withdrawals (including ATMs) ($.35 each additional transaction over 25 per month)

• How to qualify:
  
  • For students up to age 24
  • No minimum balance requirement

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Regular Checking

• Benefits:
  
  • $100.00 to open account
    
  • Unlimited Check writing

• How to qualify:
  
  • Maintain $500 minimum daily balance in your Regular Checking or
    
  • Maintain $500 minimum daily balance in your Regular Savings 
    
  • If balances not maintained $5.00 monthly maintenance fee plus $.35 per transaction

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Century Now Checking

• Benefits:
  • $100.00 to open account
    
  • Unlimited Check writing
  • Earn interest on daily collected balance (interest compounded daily and credited monthly)

• How to qualify:
  
  • Maintain $700 minimum daily balance in your Century Now Checking or
    
  • Maintain $1,000 minimum daily balance in your New Century Regular Savings 
    
  • If balances not maintained $7.00 monthly maintenance fee plus $.35 per transaction

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Century Club Account

• Benefits:
  
  • $100.00 to open account
    
  • Up to 30 transactions per month including ATMs at no additional charge ($.35 each transaction above 30)
    
  • Free New Century Bank custom checks
    
  • No fee on New Century Bank Cashier Checks (limit 3 per statement cycle)
    
  • No fee on American Express Traveler's Checks
    
  • $15.00 Discount on safe deposit box rental (Subject to availability)
    
  • Mastercard or Visa credit card with no annual fee (with credit approval)

• How to qualify:
  
  • $10.00 monthly maintenance fee (plus $.35 each transaction above 30)
  • No minimum balance requirement

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Century Gold Checking Account

• Benefits:
  • $100.00 to open account
  • Earn interest at competitive rates on daily collected balance
  • Tiered Rate based on daily balance maintained

    Tiers:	$	00.01	-	$	9,999.99
    		10,000.00	-		19,999.99
    		20,000.00	-		49,999.99
    		50,000.00	-		99,999.99
    		100,000.00	-

  • Interest compounded daily and credited monthly
    
  • Unlimited check writing if balance requirement is met
    
  • Free New Century Bank custom checks
    
  • No fee on New Century Bank Cashier Checks (limit 3 per statement cycle)
    
  • No fee on American Express Traveler's Checks
    
  • $25.00 Discount on safe deposit box rental (Subject to availability)
    
  • ¼ % discount on rate for consumer loan (with credit approval)
    
  • Mastercard or Visa credit card with no annual fee (with credit approval)
    

• How to qualify:
  
  • Maintain $2,500 minimum daily balance in your Century Gold Checking or
    
  • Maintain $5,000 minimum daily balance in your Regular Savings or
    
  • Maintain $10,000 minimum balance in New Century Bank CD or IRA or
  • Maintain $10,000 minimum daily balance in your Century Gold Savings or
    
  • Open $15,000 New Century Bank Home Equity Line of Credit or
    
  • Open $50,000 New Century Bank Mortgage Loan
    
  • If balances not maintained $15.00 monthly maintenance fee plus $.35 per transaction

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Regular Savings

• Benefits:
  
  • $100.00 to open account
    
  • Earn interest on daily collected balance (interest compounded daily and credited monthly)

• How to qualify:
  
  • Maintain $100 minimum daily balance to avoid $4 monthly maintenance fee
    
  • Two withdrawals per month ($2 fee per withdrawal after two)
  • Children under age 18 - $25.00 to open- no monthly maintenance fee
    
  • Two withdrawals per month ($2 fee per withdrawal after two)

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Gold Savings Account

• Benefits:
  • $1,000 to open account
  • Earn interest at competitive rates on daily collected balance (interest compounded daily and credited monthly)
    
    
• How to qualify:
• Maintain $1,000 minimum balance to avoid $5 monthly maintenance fee
• Up to two withdrawals allowed per month without a fee ($2 each additional withdrawal)
• If the account is closed before interest is credited, the interest is forfeited

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Money Rate Investment

• Benefits:
  
  • $1,000.00 to open account
    
  • Earn interest at competitive rates on daily collected balance (interest compounded daily and credited monthly)
    
  • Tier Rates based on balance
    

    Tiers:	$	00.01	-	$	999.99
    		1,000.00	-		9,999.99
    		10,000.00	-		19,999.99
    		20,000.00	-		49,999.99
    		50,000.00	-		99,999.99
    		100,000.00	-		and over

• How to qualify:
  
  • Maintain $1,000 minimum daily balance to avoid $5 monthly maintenance fee
    
  • Maximum of six pre-authorized withdrawals per statement cycle (no more than three of the six withdrawals may be payments by check, draft, or debit card to a third party)
  • $5 excess activity fee after 6 withdrawals.
    
  • Unlimited withdrawals or transfers in person

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Other Services

Debit Cards: While they look like a credit card, they work like a check when you make purchases. Your debit card also serves as your 24-hour ATM card.

ATM Card: Your ATM card allows you to withdraw or transfer funds at any time and access your accounts away from home.

Online Banking: Free to our personal checking account customers, online banking offers access to your accounts anytime, anywhere. Check account balances or deposits made, confirm checks that have cleared, or transfer funds between your accounts. If you have not yet signed up for online banking, call your customer service representative today to start taking advantage of these convenient services.

Online Bill Pay: New Century’s Online Bill Pay service puts money management just a few mouse clicks away. Secure and easy-to-use, you can pay bills electronically, view pending payments, set up recurring payments, view your payment history, and more. Sign up today for the convenience of Online Bill Pay.

The monthly charge for this service is $5.95; however, you may qualify for free Online Bill Pay. For more information, contact your local customer service representative.

24-HOUR TELLER — TOLL-FREE AT 1-877-610-7315
Call the automated telephone response system to access your deposit accounts to check balances, transfer funds between accounts, and verify deposits and checks paid on your account. It’s toll-free and available anytime, day or night.

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