Checking Plans

Life is complicated. That’s why we offer personal checking accounts that are simple and straight-forward to make it easier for you to manage your day-to-day finances.

Unlike most banks, SCNB offers you much more than just free checking… like discounts on local and online shopping, local services, travel, recreation, prescriptions, vision care and more.* Just take a look at the benefits video to find out more on the many ways you can save money. Our accounts come with free check safekeeping so you can avoid the hassle of storing your cancelled checks.

To open your SCNB account, just visit any one of our branch locations and our representatives will gladly assist you with the personal checking account that will best serve your needs. Your account is available with free Internet Banking and Bill Pay service, our free Express Info Line at 1-800-286-SCNB (7262) plus access to our conveniently located ATMs with your free SCNB check card. For peace of mind, our Advancheck overdraft protection is also available on personal checking and NOW accounts. When you’re running low on checks, just click on check reorder and place your order online.

Click here to compare the benefits of the SCNB checking accounts.

SCNB Value

SCNB Free

SCNB Gold 50

SCNB Gold 50 Plus

NOW (Negotiable Order of Withdrawal )

Money Market

SCNB Value

Our most popular account, SCNB Value checking provides you with unlimited check writing with no per check fees, free basic logo checks (one box per order), no fee official checks, personal identity protection, emergency travel assistance services, discounts on dining, shopping, local services, travel, hotel accommodations, theme park admissions, prescriptions and more. Click here for additional details.

SCNB Free

Enjoy unlimited check writing with absolutely no monthly fees, no per check charges and no balance requirements. Click here for additional details.

SCNB Gold 50

It’s the SCNB Free checking and whole lot more for individuals 50 plus. Get $5,000 travel accidental death insurance, personal identity protection, discounts on dining, shopping, travel, hotels, local services and recreational facilities such as sporting events, theme park admissions and more. Click here for additional details.

SCNB Gold 50 Plus

If you’re 50 or over, the SCNB Gold 50 Plus gives you all the benefits of the SCNB Gold 50 (see above) plus interest on your checking balances, free basic logo checks (one box per order), no fee official checks, pharmacy, vision, and hearing savings programs and more. Click here for additional details.

NOW (Negotiable Order of Withdrawal)

The SCNB NOW account offers you unlimited check writing and full liquidity of funds while earning interest on your balance. Click here for additional details.

Money Market

Get a higher rate of interest and still maintain liquidity with the Money Market account. As a limited transaction account, you can transact up to six pre-authorized transfers – including three third-party checks – per month.

*Certain fees may apply to the Value Checking, Gold 50 Plus, NOW and Money Market Accounts. See your SCNB branch representative for details. Advancheck overdraft protection is subject to credit approval. Information on interest accruals and current interest rates and APYs (Annual Percentage Yields) for the NOW, Money Market and Gold 50 Plus accounts can be obtained by contacting any one of our branch locations.

Terms & Conditions Privacy

Member FDIC