Sorry, you need to enable JavaScript to visit this website.

Checking Accounts

Loan expert meeting with customer

Checking Accounts - Fast, Secure, Convenient

North Country Savings Bank in Canton, Potsdam, Ogdensburg, and Massena offers fast, secure, and convenient checking options for all customers. We also offer student checking accounts for university students looking for a local community bank.

Our interest rates can change, so please check back frequently for the most up-to-date information.

Some benefits of all checking accounts at North Country Savings Bank include:

If you're looking to move your current account to North Country Savings Bank but don't want to deal with the hassle of switching banks, our Bankers can help make the transition quick and simple - no switch kits required.

NCSB Rewards Checking Accounts

North Country Savings Bank always strives to bring better banking solutions to our communities and put more money in our customer's pockets. Customers can open a Rewards checking and savings account through North Country Savings Bank to take advantage of these free, interest-earning checking accounts.

Qualify for the highest rate with these simple qualifications. The best part? There's never a penalty fee for missing the mark on reward qualifications. Your account is always free — no matter what - and you can get back to earning your full rewards the very next cycle, no problem.

NCSB Premium Rewards

With pre-qualification and no penalty fees, this reward checking account is our way of saying "thanks" to all our customers by putting more cash in their wallets. With return rates up to 3% for qualifying customers, using your local community bank has never been so rewarding.

  • No Monthly Service Fee
  • Refunds on all ATM Transactions Nationwide

NCSB CashBack Rewards

Earn even more rewards with our CashBack Rewards checking account. This rewards account lets you earn cash back on all debit card purchases. When we say all, we mean all: there's no worrying about points or limitations on what you buy. Whether you're buying gas, groceries, concert tickets or new shoes, you'll earn cash back just by using your debit card.

  • No monthly Service Fee
  • Refunds on all ATM Transactions Nationwide
  • Cashback on all purchases made with your debit card

Totally Free Checking Account

North Country Savings Bank also offers this simple, non-interest bearing checking, ideal for customers seeking a basic, free checking account.

  • $25.00 minimum to open account
  • No monthly service charge
  • Unlimited check writing
  • Receive check images with monthly statement
  • Balances below $100 with no activity for 180 days will be converted to a No Minimum Interest Checking that has a $4 per month service charge

NCSB Effortless Checking (Basic Banking Account)

North Country Savings Bank’s most basic account is true to its name—with no monthly minimum balances and no fee on the first 12 foreign ATM withdrawals per statement cycle, you’ll never experience an easier way to bank. 

  • No Monthly Service Fee
  • No Insufficient Funds Fee
  • No Fee on the first 12 foreign ATM Withdrawals Per Statement Cycle
  • No Limit to the Number of Deposits or Withdrawals Permitted During Each Statement Cycle
  • $25 Deposit to Open Account

VIP Free Interest Checking

North Country Savings Bank's interest-bearing checking account.

  • $25 minimum to open account
  • No per-check charge*
  • Free for customers with electronic deposit of payroll, retirement, or government payment
  • Free for customers with automatic payment to North Country Savings Bank loan
  • Receive check images with monthly statement
  • Interest compounded daily and credited monthly
  • Balance below $100 and no activity for 180 days will be closed (proceeds returned to account holder)

*To qualifying customers with direct deposit or direct payment to North Country Savings Bank loan.