Personal Banking

Offering a complete array of personal products and services, we are with you every step of the way on your path to financial wellness.

NPB offers a wide variety of solutions for your personal banking needs

With a focus on our community members and their needs, we strive to make banking easier, more secure, and more accessible than ever before. Join us today to experience banking by The Golden Rule and start on the path to better financial wellness.

We are Your Bank.

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Deposit Products

  • Checking – At New Peoples Bank, there’s no “one size fits all” when it comes to banking service. Banking is a lifestyle and we have personal checking accounts suited to every season of life.
  • Savings – Whether you’re saving for the future or keeping money for a rainy day, we want to help you reach your saving and financial goals no matter what they are with the savings account that is right for you.
  • Certificate of Deposit – The benefits of a CD include the safety of knowing that you have a secure investment backed by the FDIC (up to $250,000), receive better returns than a regular Savings Account, and are able to select from a wide variety of terms that fit your needs.
  • Individual Retirement Accounts – An IRA allows you to save money for retirement in a tax-advantaged way with tax-free growth or on a tax-deferred basis. Sometimes a 401K does not meet the needs of retirement, but an IRA can help close the gap in your retirement needs.
  • Club Accounts – Special accounts with your specific needs in mind, our club accounts are here to help you save for vacation and the holidays! Check out our Christmas Club account to help save money for holiday shopping or our Vacation Club account to more easily separate your vacation money from your other accounts with a separate debit card to easily track your vacation spending.
  • IntraFi Network Deposits – Expand your peace of mind with the ability to insure investment amounts over $250,000 with FDIC insurance. By choosing IntraFi Network Deposits through NPB, you allow your money to work for the local community, while keeping your funds safe, secure and working for you.

Personal Services

  • GenGold® – The perfect benefits package that offers real savings on products and services that you use every day! ID Theft Protection, SavingsXpress, Cash Back Rewards, and Travel Services are just some of the benefits that you can enjoy with GenGold® Ultimate.
  • uChoose® Rewards – Your VISA® Debit Card is more rewarding than ever with uChoose® Rewards. You shop. You earn. You choose your rewards.
  • OOPS & OOPS Plus – Optional Overdraft Protection Service: From time to time we all have experienced that embarrassing moment when the balance in our checking account is less than we thought. We want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned.
  • Safe Deposit Boxes – Enjoy the safety and convenience of keeping your important papers and belongings in one of our safe deposit boxes.
  • Savings Round Up – The easiest way to meet your savings goals. After enrollment, your debit card purchases will automatically be rounded up to the nearest dollar and the change will be deposited into your savings account. 

Explore Personal Services

Loans

  • Personal Loans – We want to help you prepare for your future and help make your dreams come true. With personal loans for financing vehicles, home improvements, or personal investments, we want to help you with what matters most.
  • Mortgage Loans – Welcome Home – Whether you’re buying your first home, upsizing for your growing family, downsizing for your retirement, or simply refinancing your existing mortgage, our mortgage professionals are ready to help with guidance, advice, and quick decisions.
  • Home Equity Lines of Credit – Do you have a great home improvement idea? Maybe you need money for unexpected expenses. A Home Equity Line of Credit allows you to use the equity in your home for expenses or other situations as they arise. The interest may be tax deductible for home improvement expenses.

Personal Card Services

  • Debit Cards – Personal Debit Cards from VISA® that allow you to make withdrawals from your checking or savings account from any NPB ATM or from any of the more than 55,000 surcharge-free ATMs in the Allpoint® ATM Network.
  • Credit Cards – Choose between our Rewards Credit Card and our Platinum (Low Rate) Credit Card for a credit card that works for you.
  • iDesign – Make a statement or celebrate life’s moments with your own custom VISA® check card.

Digital Banking

  • Online & Mobile Banking – Online & Mobile Banking with NPB makes managing your finances simple and secure so that you can easily bank on your time effortlessly from anywhere.
  • Bill Pay – Checkfree Online Bill Pay is free for all NPB customers. Pay virtually anyone, establish recurring automatic payments, and much more.
  • NPB Alerts – Know exactly what is happening with your money and watch for suspicious activity with our free customizable alerts. Set up as many or as few alerts as you want for real-time account information to conveniently monitor your finances exactly the way you choose.
  • Telebanc – With NPB’s telephone banking, your account information is just a phone call away. Available 24 hours a day, seven days a week from any phone.
  • E-Statements – Fast, easy, green, secure and free!
  • Make a Loan Payment – Easily make a loan payment online!
 

Mortgage Loans

Buying or refinancing your home is exciting, and at New Peoples Bank, we aim to make the experience as easy, simple, and secure as possible. With our variety of real estate loan options, we're sure you'll find one that's right for you. Our mortgage team is ready to work with prospective buyers and current homeowners.

Explore Mortgage Loans

Are you prepared for your family’s financial future?

Our Financial Services team is standing by to help you better prepare yourself and your family for the road ahead.

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Learning Center

Are you interested in learning more about banking or becoming better equipped for your own personal finances?

There are many ways to brighten your financial future!