Personal Banking Services

Northern State Bank of Virginia offers a variety of personal banking services, from checking accounts to investment accounts.

Checking Accounts

  Regular Checking Best Value Checking NOW Checking JOY Checking Plus (50+)
Minimum Opening Deposit $100 $100 $500 $100
Minimum Average Daily Balance to Waive Monthly Maintenance Fee None None $500 ($5 every month average daily balance falls below $500) None
Monthly Maintenance Fee None $6 None $5
Monthly Paper Statement Fee $1 Included Included Included
Check Order Benefit None Club Checks Included None Club Checks Included
Interest Bearing No No $1000 average monthly balance required to obtain interest $1000 average monthly balance required to obtain interest
Additional Benefits
  • Debit Card
  • Notary Service
  • Online Banking
  • E-Statements
  • Phone Banking
  • Debit Card
  • Notary Service
  • Online Banking
  • E-Statements
  • Phone Banking
  • Photocopies
  • Money Orders
  • No Foreign ATM Fees* 
  • Debit Card
  • Notary Service
  • Online Banking
  • E-Statements
  • Phone Banking
  • Debit Card
  • Notary Service
  • Online Banking
  • E-Statements
  • Phone Banking
  • Photocopies
  • Money Orders
  • No Foreign ATM Fees*
  • Reduced Safe Deposit Box Rates
  • Free Wire Transfers
  • Free Stop Payments 
  * Please note that there still may be a charge from the ATM owner

Savings Accounts

Customers are allowed only 6 automatic or preauthorized withdrawals from a savings account each statement cycle per Federal Regulations.

Regular Savings

  • $100.00 minimum opening deposit
  • $100.00 minimum average daily balance needed to avoid a fee
  • $5.00 monthly fee if account falls below the minimum average balance
  • No monthly service fee
  • Quarterly compounding frequency
  • Free E-statements
  • Free online banking
  • ATM card available

Minor Savings (Under 18 years old)

  • $1.00 minimum opening deposit
  • No monthly service fee
  • Quarterly compounding frequency
  • Free E-statements
  • No minimum balance required
  • Free online banking
  • ATM card available

Money Market Savings

  • $1,000.00 minimum opening deposit
  • $500.00 minimum average daily balance needed to avoid a fee
  • $5.00 monthly fee if account falls below the minimum average balance
  • No monthly service fee
  • Free E-statements
  • Free online banking
  • ATM card available

Premier Savings

  • $10,000.00 minimum opening deposit
  • $5,000.00 minimum average daily balance needed to avoid a fee
  • $5.00 monthly fee if account falls below the minimum average balance
  • No monthly service fee
  • Free E-statements
  • Free online banking
  • ATM card available

Time Deposits

Make your savings work for you by investing in our competitive rate certificates and IRAs.  Northern State Bank of Virginia allows you to invest your money from 3 to 84 months in our Certificates of Deposit at varying rates.  Check out our certificate specials.

Loans

Take advantage of the many types of personal loans we have to offer. For consumers, we offer the following types of loans:

  • Real estate loans
    • Purchase
    • Refinance
    • Construction
    • Home equity
    • Home equity lines of credit
    • Seasonal homes
    • Lake homes
    • Land loans
    • VA loans
    • FHA loans
    • USDA loans
  • Auto
  • Recreational vehicles
  • Overdraft protection

Call and talk to one of our loan officers about your financing needs today.

Northern State Bank NMLS 440572

Other Services

Northern State Bank of Virginia offers a variety of other financial services to its customers:

  • ATM/debit cards
  • Credit Cards
  • 24-hour main bank ATM access
  • Automatic Loan Payments
  • Night drop
  • Convenient drive-up at both locations
  • Branch office with extended hours of 10 AM – 7 PM and Saturday 9 AM – 2 PM
  • Safe deposit boxes at both locations
  • Phone banking
  • Online banking
  • E-statements
  • Money orders
  • Notary service
  • Wire transfers
  • ACH processing
  • Remote deposit capture (RDC)
  • Merchant credit card processing

Email is not secure and should not be used to communicate confidential information with the bank. Also, we recommend that you do not use email to notify us regarding time-sensitive matters such as lost cards, stop payment requests, transfer requests or loan questions.

I understand ×

You are leaving NSBOV.com

Northern State Bank of Virginia has no control over information at any site hyperlinked from this site. Northern State Bank of Virginia makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Northern State Bank of Virginia of any information in any hyperlinked site. In no event shall Northern State Bank of Virginia be responsible for your use of a hyperlinked site.

I understand ×