Mobile Deposit
Mobile Deposit allows our customers to make check deposits using their smartphone and our Mobile Banking App. Deposits are limited to one check per deposit. There is no charge for this service.
- Checks must be endorse with signature AND “Mobile 1nbcaryle”
- Maximum deposit amount is $2,500.00
- Maximum daily deposits limit is $4,000.00
Click here for our full Mobile Deposit Terms and Conditions.
Mobile Banking
Mobile Banking is an extension of our Internet Banking Service that offers the ultimate on-demand service. Now you can access your account information from any mobile phone with text messaging, mobile web access or through a downloadable app.
- Search “1nb bank” from the Apple App Store or from the Google Play Store to find our app.
- Click Here for our Mobile Banking brochure.
Debit/ATM Cards
- For a lost or stolen debit card call Card Services (800) 992-3808 to stop all activity on the card.
- If fraud is suspected on your card you may receive a call from our Fraud Detection Center using (800) 279-2674.
- Text message fraud alerts will come from short code 37268.
- To return a call to our Fraud Detection Center call (866) 750-9107 and be prepared to enter your 6 digit personal message code.
- Click Here to locate other ATMs in the MoneyPass network.
- Click Here for your Mastercard Guide to Benefits
Zelle
Zelle is a convenient way to send money using your mobile banking app or online banking account.
- A fast, safe and easy way to send and request money, typically within minutes.
- Its FREE to send and request money for individuals. (A $10 fee will apply if you place a Stop Payment on a sent payment.)
- Daily and Monthly Limits apply and may vary from account to account.
Checking Accounts
Equality Checking
CareFree Checking
Minimum Average Daily Balance: $300.00
Features: This account is available to all Individuals. Students up to age 25, Seniors age 55 and older, Active Military and Churches/Organizations are exempt from the service charges if the minimum balances are not met. You have a choice of e-statements or paper statements with images. Enjoy all the benefits of unlimited check writing, MasterCard Debit Card and free Internet and Mobile Banking.
Limitations: You must deposit $300.00 to open this account.
Account Fees: The monthly service charge if the average daily balance drops below $300.00 during the statement cycle is $5.95. The fee is $4.95 if receiving E-Statements.
Secure Checking
Minimum Balance: None
Features: Secure Checking Brochure
Limitations: You must deposit $100.00 to open this account.
NOW Checking
Minimum Balance: $500
Features: This account is available to Individuals, Sole Proprietors, Not for Profit Organizations and Government Units (Partnerships and Corporations not eligible).
Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected principal in the account each day.
Limitations: You must deposit $500.00 to open this account.
Account Fees: The monthly service charge if the daily balance drops below $500.00 any day of the statement cycle is $10.00.
Money Market Checking
Minimum Balance: $1,000
Features: This account is available to all depositors.
Rate Information:This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected principal in the account each day.
Limitations: You must deposit $2,500.00 to open this account.
Account Fees: The monthly minimum balance fee if the daily balance drops below $1 ,000.00 any day of the statement cycle is $10.00.
Overdraft Privilege Policy
Reorder Checks
Savings Accounts
Regular Savings
Minimum Balance: $100
Features: This account is available to all depositors.
Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded semi-annually and will be credited to the account semi-annually.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected principal in the account each day.
Limitations: You must deposit $100.00 to open this account.
Account Fees: The semi-annual minimum balance fee if the daily balance drops below $100.00 any day of the statement cycle (Minors/Nonprofit Organizations Exempt) is $10.00.
Individual Retirement Accounts
IRA Passbook Savings
Opening Deposit: $100
Features: This account is available to all depositors.
Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded semi-annually and will be credited to the account semi-annually.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected principal in the account each day.
Limitations:You must deposit $50.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
IRA Certificate of Deposit
Minimum Balance: $250
Features: This account is available to all individuals.
Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term chosen at the time of purchase. We offer IRA certificates with varying maturities. Interest begins to accrue on the business day you open the account. Interest will be compounded quarterly and will be credited quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations: You must deposit $250.00 to open this account. You may not make additional deposits into this account. During the term of the account you may withdraw any interest that may have been credited to the account without a Bank penalty. Any withdrawal of principal prior to the maturity date is subject to a Bank penalty. Penalty free withdrawals are permitted after attaining the age of 59 ½.
Time Account Information: Your account will mature in the term chosen at the time of purchase. If you withdraw any of the principal before the maturity date, we may impose a penalty of: ORIGINAL MATURITY LESS THAN ONE YEAR –a penalty of three months’ interest plus a $30 fee will be charged to your account. ORIGINAL MATURITY OF ONE YEAR THROUGH TWO YEARS – a penalty of one year’s interest plus a $30 fee will be charged to your account. ORIGINAL MATURITY LONGER THAN TWO YEARS – a penalty of two years’ interest plus a $30 fee will be charged to your account. If you choose to redeem the certificate during the ten day grace period, you will not be paid interest from the maturity date to the date of redemption. This account will automatically renew. You will have 10 calendar days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for the period of time as disclosed in your Account Agreement.
Certificates of Deposit
Certificate of Deposit Rates
Minimum Deposit: $1,000
Features: This account is available to all individuals.
Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term chosen at the time of purchase. We offer certificates with varying maturities. Interest will be credited by having your interest added to your certificate each quarter (compound) or by having your interest deposited to a 1NB Bank checking, savings or money market account. Interest begins to accrue on the business day you open the account. Interest will be compounded quarterly and will be credited quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. During the term of the account you may withdraw any interest that may have been credited to the account without a penalty. Any withdrawal of principal prior to the maturity date is subject to a penalty.
Time Account Information: Your account will mature in the term chosen at the time of purchase. If you withdraw any of the principal before the maturity date, we may impose a penalty of: ORIGINAL MATURITY LESS THAN ONE YEAR –a penalty of three months’ interest plus a $30 fee will be charged to your account. ORIGINAL MATURITY OF ONE YEAR THROUGH TWO YEARS – a penalty of one year’s interest plus a $30 fee will be charged to your account. ORIGINAL MATURITY LONGER THAN TWO YEARS – a penalty of two years’ interest plus a $30 fee will be charged to your account. If you withdraw a portion of the principal before the maturity date, you will be charged the appropriate penalty on the portion withdrawn plus a $30.00 fee. If you choose to redeem the certificate during the ten day grace period, you will not be paid interest from the maturity date to the date of redemption. This account will automatically renew. You will have 10 calendar days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for the period of time as disclosed in your Account Agreement.
SELECTED CD RATES
(contact the bank for additional terms and rates)
$1,000 Minimum Deposit*
* A substantial penalty is imposed for an early withdraw.
| CD Term | Interest Rate | APY |
|---|---|---|
| 6 Month CD | 1.84% | 1.85% |
| 12 Month CD | 2.15% | 2.16% |
| 18 Month CD | 2.24% | 2.25% |
| 24 Month CD | 2.48% | 2.50% |
| 36 Month CD | 2.58% | 2.60% |
| 48 Month CD | 2.63% | 2.65% |
| 60 Month CD | 2.83% | 2.86% |
| APY is accurate as of November 9th 2023 | ||
| *Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest will be compounded quarterly and will be credited to the account quarterly. This CD will automatically renew for a term set by the bank and the rate at renewal will be the rate in effect at that time for the new term CD. | ||
Health Savings Account
Health Savings Account - Checking
Minimum to open: $50
Minimum Balance without a fee: $2,500
Features: This account is available to qualified individuals who are in a high-deductible health plan. The contribution is tax-deductible and can be used to pay qualified medical expenses.
Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations: You must deposit $50.00 to open this account.
Account Fees: There is a initial set up fee of $25.00. The monthly minimum balance fee if the daily balance drops below $2,500 is $2.00. A $25.00 fee will be assessed for each HSA transfer to another institution.
Bank Routing Number
The Bank’s ABA Routing Number is 081906505.
Telephone Banking Toll Free Phone Number
Toll free Phone Number: (877) 594-4335
Local Phone Number: (618) 594-4335
- 24 Hour Banking Convenience
- Loan Payments
- Private, easy and convenient banking from your touch tone phone
Be prepared to enter your Security Code, if you do not have a Security Code, please contact one of our customer service representatives at any of our four locations.
Wire Transfer
Outgoing Domestic (within the USA) Wire Fee: $25.00
Outgoing International (US Money) Wire Fee: $50.00
Outgoing International (Foreign Currency) Wire Fee: $85.00
Incoming Domestic Wire Fee: $10.00
Incoming International Wire Fee: $25.00
Trust Service
1NB Bank Trust Department is committed to its clients to provide quality service with a personal touch. The Trust Department acts as Trustee for Testamentary Trusts, Trusts Under Agreement, Self-Directed IRAs, Charitable Trusts and Land Trusts. The Trust Department also acts as Guardian of Guardianships and Conservatorships as well as Executor of Last Will and Testament. It is our policy to be discrete and professional in handling financial matters in addition to giving our clients a sense of security and comfort level in working with our personnel.
Click on one of the items below for more information on the scholarship
- Aloys & Ann Christ Scholarship Application ( Carlyle High School)
- Goldsmith- Fielder Scholarship Application (Carlyle H.S/ Central H.S/ Mater Dei H.S)
- Otto H. Bender Scholarship Application (Carlyle High School)
- Florence and Joe Seiffert Memorial Scholarship Application (Carlyle H.S./Central H.S./Mater Dei H.S.)
Safe Deposit Box
3×5: $20.00
3×10: $25.00
5×10: $40.00
10×10: $60.00
Merchant Credit Card Processing Solutions
1NB Bank partners with Talus Pay Consulting, a specialized advisory firm on payment solutions, to offer our bank customers customized credit card payment solutions. Contact us today to learn how to get a free Merchant Account Analysis and Evaluation of your current credit card processor and find out if there are cost savings available to you.
Remote Merchant Deposit
Business Online
- How to create a new ACH Transfer or ACH Template
- How to tell if an ACH Transfer is scheduled for processing
- How to edit a recurring ACH Transfer when showing Pending Origination
- How to create a ACH Transfer using a saved or previously submitted ACH Tranfer
- How to create additional users in Business Online banking
- Fee Schedule/Account Analysis Schedule
