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New Frontier Bank offers a variety of options to help you achieve your financial goals and make your life easier.

Checking & Relationship Packages

MVP Checking

  • $100.00 minimum opening deposit
  • No minimum balance requirements to avoid service charge
  • No transaction limitations for checks, debits, deposits or credits
  • 24-hour access to account information by phone or Internet
  • $400.00 overdraft privilege available
  • No charge for network ATM transactions
  • Free e-statements
  • ScoreCard Debit Rewards

Regular Checking

  • $100.00 minimum opening deposit
  • If average daily ledger balance falls below $750.00 for the month, the service charge will be $5.00
  • No transaction limitations for checks, debits, deposits or credits
  • Check imaging on monthly statement at no additional cost
  • 24-hour access to account information by phone or Internet
  • $700.00 overdraft privilege available
  • No charge for network ATM transactions
  • Free e-statements
  • ScoreCard Debit Rewards

NOW Account

  • $100.00 minimum opening deposit
  • If average daily ledger balance falls below $1,000.00 for the month, the service charge will be $7.50
  • Variable interest paid on principal balance, interest calculated daily, compounded and credited monthly
  • No transaction limitations for checks, debits, deposits or credits
  • Check imaging on monthly statement at no additional cost
  • 24-hour access to account information by phone or Internet
  • $700.00 overdraft privilege available
  • No charge for network ATM transactions
  • Free e-statements
  • ScoreCard Debit Rewards

Work Plus Checking Account

  • $100.00 minimum opening deposit
  • No minimum balance requirements to avoid service charge
  • No transaction limitation for checks, debits, deposits, or credits
  • 24-hour access to account information by phone or Internet
  • Free check imaging on monthly statement
  • Free money orders
  • Free Official checks
  • First box of New Frontier checks free
  • 50% discount for first year on safe deposit box
  • Free financial plan by Financial Advisor
  • No charge for network ATM transactions
  • Free e-statements
  • $400.00 overdraft privilege available
  • ScoreCard Debit Rewards
  • Eligibility requires your employer to be a customer of New Frontier Bank

Team Account

  • This product is a package of a NOW and Money Market Account
  • $200.00 minimum opening deposit ($100.00 per account)
  • If combined average daily ledger balance falls below $2,500.00 for the month, a service charge of $7.50 will only be assessed against the NOW account
  • Check imaging on monthly combined statement at no additional cost
  • 24-hour access to account information by phone or Internet
  • First box of New Frontier Bank checks free per year
  • 50% discount on safe deposit box
  • Five or more basis point premium on monthly CD specials
  • $700.00 overdraft privilege available
  • No charge for network ATM transactions
  • Free e-statements
  • ScoreCard Debit Rewards

Please refer to the NOW Account and Money Market transaction fees and limitations.

Hall of Fame Account

  • Account holders must be 55 or older
  • This account has the same features as the Team Account listed above, plus these added incentives
  • Free money orders
  • Free Official checks
  • Free New Frontier Bank checks
  • Free Notary Service
  • Free copies and faxes
  • Free e-statements
  • ScoreCard Debit Rewards

Savings, Money Market, CDs

Regular Savings

  • $100.00 minimum opening deposit
  • If average daily ledger balance falls below $200.00 for the month, the service charge will be $4.00
  • Variable interest paid on principal balance, interest calculated daily, compounded and credited monthly
  • Limit of six preauthorized transfers each month. Withdrawals or transfers to another account owned by you in our bank made by mail, messenger, ATM, or in person are not subject to these limitations. (Excessive withdrawals - $10.00 each)
  • No charge for network ATM transactions
  • 24-hour access to account information by phone or Internet

Minor Savings Account

  • Account holders must be less than 18 years old
  • No average daily balance required
  • Variable interest paid on principal balance, interest calculated daily, compounded and credited monthly
  • Limit of six preauthorized transfers each month.  Withdrawals or transfers to another account owned by you in our bank made by mail, messenger, ATM, or in person are not subject to these limitations. (Excessive withdrawals - $10.00 each)
  • No ATM card will be issued
  • Upon 18th birthday, account will convert to a Regular Savings Account and will be subject to the terms of that account

Refer to Kids Savings Club for extra features.

Money Market

  • $100.00 minimum opening deposit
  • If average daily ledger balance falls below $2,500.00 for the month, the service charge will be $10.00
  • Variable interest paid on principal balance, interest calculated daily, compounded and credited monthly
  • Check imaging on monthly statement at no additional cost
  • Limit of six preauthorized transfers each statement cycle, including payments by check to third parties. Withdrawals or transfers to another account owned by you in our bank made by mail, messenger, ATM, or in person are not subject to these limitations. (Excessive withdrawals - $10.00 each)
  • 24-hour access to account information by phone or Internet
  • No charge for deposits/credits or network ATM transactions

Team Account

  • This product is a package of a NOW and Money Market Account
  • $200.00 minimum opening deposit ($100.00 per account)
  • If combined average daily ledger balance falls below $2,500.00 for the month, a service charge of $7.50 will only be assessed against the NOW account
  • Check imaging on monthly combined statement at no additional cost
  • 24-hour access to account information by phone or Internet
  • One order of New Frontier Bank checks free per year
  • 50% discount on safe deposit box
  • Five or more basis point premium on monthly CD specials
  • $700.00 overdraft privilege available

Please refer to the Now Account and Money Market transaction fees and limitations.

Hall of Fame Account

  • Account holders must be 55 or older
  • This account has the same features as the Team Account listed above, plus a few added incentives
  • Free money orders
  • Free Official checks
  • Free New Frontier Bank checks
  • Free Notary Service
  • Free copies and faxes

Health Savings Account

HSA Checking Account

  • $100.00 minimum opening deposit
  • No minimum balance requirement to avoid a service charge
  • No transaction or activity limitations to avoid a service charge
  • Debit card and check writing privileges at no charge
  • Check imaging on monthly statement at no additional charge
  • 24-hour access to account information by phone or Internet

HSA Money Market Account

  • $100.00 minimum opening deposit
  • If average daily ledger balance falls below $200.00 for the month, the service charge will be $4.00
  • Variable interest paid on principle balance, interest calculated daily, compounded and credited monthly
  • Check imaging on monthly statements at no additional cost
  • Limit of six preauthorized transfers each statement cycle, including payments by check to third parties. Withdrawals or transfers to another account owned by you in our bank made by mail, messenger, ATM, or in person are not subject to these limitations. (Excessive withdrawals - $10.00 each)
  • 24-hour access to account information by phone or internet
  • No charge for deposits/credits or network ATM transactions

HSA FAQs

What is a Health Savings Account?

A Health Savings Account (HSA) is an account that you can put money into to save for future medical expenses. There are certain advantages to putting money into these accounts, including favorable tax treatment. You must have coverage under an HSA-qualified "high deductible health plan" (HDHP) to open and contribute to an HSA. You can use the money in the account to pay for any "qualified medical expense" permitted under federal tax law. This includes most medical care and services, and dental and vision care, and also includes over-the-counter drugs such as aspirin.

Who can have a HSA?

Any adult can contribute to an HSA if they:

  • Have coverage under a HSA-qualified HDHP
  • Have no other first-dollar medical coverage (other types of insurance like disability, dental care, vision care, or long-term care insurance are permitted)
  • Are not enrolled in Medicare
  • Cannot be claimed as a dependent on someone else's tax return

What is a HSA-qualified high deductible health plan (HDHP)?

Generally, this is health insurance that does not cover first dollar medical expenses. Federal law sets the minimum health insurance deductible requirements; the minimum deductible is adjusted annually for inflation. In addition, annual out-of-pocket expenses under the plan (including deductibles, co-pays, and co-insurance) cannot exceed the federal law requirements; the maximum annual out-of-pocket expense is adjusted annually for inflation. 

The deductible must apply to all medical expenses (including prescriptions) covered by the plan. However, plans can pay for "preventive care" services on a first-dollar basis (with or without a co-pay). "Preventive care" can include routine pre-natal and well-child care, child and adult immunizations, annual physicals, mammograms, pap smears, etc.

How much can I contribute to my HSA? How much can my employer contribute to my HSA?

Contributions to your HSA can be made by you, your employer, or both. However, the total contributions are limited annually. Federal law sets the contribution limit and it is adjusted annually for inflation. Individuals age 55 and older can also make additional "catch-up" contributions; federal law sets the "catch-up" contribution limits. You can contribute the maximum amount for the year as long as you have qualified HDHP coverage for December.

What kinds of tax savings are possible?

A HSA provides you with the possibility of triple tax savings.

  1. Tax deductions when you contribute to your HSA account
  2. Tax-free earning through investments
  3. Tax-free withdrawals for qualified medical expenses

Consult your tax advisor to see if you are eligible for these tax advantages.

Why should I have high deductible health plan (HDHP) and HSA?

  • Security - Your high deductible insurance and HSA protect you against high or unexpected medical bills.
  • Affordability - You should be able to lower your health insurance premiums by switching to health insurance coverage with a higher deductible.
  • Flexibility - You can use the funds in your account to pay for current medical expenses, including expenses that your insurance may not cover, or save the money in your account for future medical needs.
  • Saving - You can save the money in your account for future medical expenses and grow your account through investment earnings.
  • Control - You make all the decisions about: how much money to contribute, whether to save the account for future expenses or pay current medical expenses, which medical expenses to pay from the account, and which investments to make.
  • Portability - Accounts are completely portable, meaning you can keep your HSA even if you change jobs, change your medical coverage, become unemployed, move to another state, change marital status, etc.
  • Ownership - Funds remain in the account from year to year, just like an IRA. There are no "use it or lose it" rules for HSAs.
  • Tax Savings - Tax deductions for contributions, tax-free investment earnings and tax-free qualified medical expense withdrawals.

What happens to my HSA when I die?

Your spouse can become the owner of the account and use it as if it were their own HSA. If you are not married, the account will no longer be treated as an HSA upon your death. The account will pass to your beneficiary or become part of your estate (and be subject to any applicable taxes).

Where can I get more information about HSAs?

The Department of Treasury: www.treasury.gov/resource-center/faqs/taxes/pages/health-savings-accounts.aspx

Kids Savings Club

  • Open a new checking account and we’ll open a Little Rancher's Savings Account for your child with a $10 donation from New Frontier Bank
  • Requires no average daily balance
  • Variable interest paid on principal balance, interest calculated daily, compounded and credited monthly
  • Limit of six preauthorized transfers each month.  Withdrawals or transfers to another account owned by you in our bank made by mail, messenger, ATM, or in person are not subject to these limitations.  (Excessive withdrawals - $10.00 each)
  • No ATM card will be issued
  • Your child earns Pony Bucks with each deposit they make
    Pony Buck, a reward for kid savings.
  • Upon the child’s 18th birthday, the account will convert to a Regular Savings account and will be subject to the terms of that account
  • Refer to Minor Savings Account

Debit Cards

Scorecard Rewards

  • You are automatically enrolled with the issuance of your MasterCard Debit Card.
  • Earn points for every signature based purchase
  • Redeem points online for name brand merchandise, travel, electronics, office supplies and more at www.scorecardrewards.com. Once you register you can track your reward points online.
  • Disclosure Information: Checking account and debit card required. Minimum balance to open a checking account is $100.00. Some checking accounts may require a minimum balance to avoid a service charge. Debit card purchases must be processed as credit to receive points. One point is earned for every $2 purchase with signature based transactions.  Beginning February 1, 2017, earned ScoreCard points will  be available for redemption for 48 months before they expire.  Your points will accrue for 48 months and can be found on your monthly statement. 
     

SecurLOCK Equip

  • Get control of your debit cards and protect them against fraud by downloading SecurLock Equip to your iphone or android smartphone and register your card(s).
  • SecurLOCK Equip is a new mobile app that allows you to control how, when and where your debit cards are used.   It is a simple and secure way to manage and monitor your payment transaction activity.  SecurLOCK Equip can help keep your New Frontier Bank debit cards safe and provide instant notifications whenever your card is used.
  • SecurLOCK Equip requires you have a debit card account issued from New Frontier Bank.  You will also need an Apple or Android smartphone.  After downloading the app, you will be instructed to enter your full debit card account number then other authentication information.  Once registered, you can begin using the app immediately.
  • The app is provided to you at no charge so you have more control over your card and you can register as many of your debit cards as you want as long as they have been issued by New Frontier Bank.

Online Banking

New Frontier Bank’s Online Banking allows you the convenience of managing your finance and paying your bills at NO CHARGE!  Bill Pay non-usage fee may apply. Contact your Financial Service Specialist for details.

With just a click of the mouse you can check your balance, check recent transaction activity, reconcile your statement, look at check images, and pay your bills.

E-Statements are now available at no charge with the ability to view statements and check images up to one year prior.

Just click on the Online Banking button below.

Online Banking

 

Online Banking Fraud Prevention Best Practices

User ID and Password Guidelines

Create a “strong” password with at least 8 characters that includes a combination of mixed case letters, numbers, and special characters.  Online Banking at New Frontier Bank requires a minimum of 8 characters with at least 3 alpha, 2 numeric, and 1 special character.  A password’s security can be greatly increased by just repeating the special character a number of times.  For example, abcd1234! isn’t as secure as abcd1234!!!!!!!!!!

Change your password frequently. Online Banking at New Frontier Bank requires users to change their passwords every 90 days and cannot repeat the past 6 passwords utilized.

Never share username and password information with third-party providers or anyone.

Avoid using an automatic login feature that saves usernames and passwords.

General Guidelines

Do not use public or other unsecured computers for logging into Online Banking.

Check your last login date/time every time you log in as well as the message about any failed logins.  This message appears on the first screen after you successfully log in to Online Banking.

Review account balances and detail transactions regularly (preferably daily) to confirm payment and other transaction data and immediately report any suspicious transactions to your financial institution.

View transfer history available through viewing account activity information.

Whenever possible, use Bill Pay instead of checks to limit account number dissemination exposure and to obtain better electronic record keeping.

Take advantage of and regularly view system alerts; examples include:
Balance alerts
Transfer alerts
Password change alerts
ACH Alerts (for cash management users)
Wire Alerts (for cash management users)

Do not use account numbers, your social security number, or other account or personal information when creating account nicknames or other titles.

Whenever possible, register your computer to avoid having to re-enter challenge questions and other authentication information with each login.

 

Review historical reporting features of your online banking application on a regular basis to confirm payment and other transaction data.

Never leave a computer unattended while using Online Banking.

Never conduct banking transactions while multiple browsers are open on your computer.

An FBI recommended best practice is to suggest that company users dedicate a PC solely for financial transactions (e.g., no web browsing, emails, or social media).

Safe Deposit Box

Be safe, secure and close to home. Move your valuables to a Safe Deposit Box at New Frontier Bank. Your New Frontier Bank Safe Deposit Box will provide the safety, security and accessibility you require for all of your small valuables and important documents. Safe Deposit Boxes are available at our Zumbehl location.

Check out our great prices:

Size Annual Price Team Account Member Price
3x5 $30.00 $15.00
3x10 $60.00 $30.00
5x10 $70.00 $35.00
7x10 $90.00 $45.00
10x10 $120.00 $60.00

 

Safe deposit boxes are rented based upon availability. Prices are subject to change. FDIC coverage does not include safe deposit box contents.

Employee at new Frontier Bank, Angela Southards.
Angela Southards
Retail Banking Manager, Vice President
“I enjoy getting to know all of our customers and helping them with anything they need. Our customers enjoy our personal service and convenient locations. If your current bank is not giving you the quality service you deserve and you would like a step up, I’ll be happy to help you personally.”