NOW Accounts

Flora Bank & Trust offers 2 types of NOW (Negotiable Order of Withdrawal) accounts—NOW and Super NOW.

NOW accounts are interest-bearing bank accounts that allow you to write drafts against money held in the account. A NOW account requires a lower minimum opening balance than a Super NOW account, but earns a lower interest rate.

Super NOW accounts require a higher minimum opening balance than NOW accounts, but offer a higher interest rate.

NOW Accounts

Minimum Opening Balance: $1,000.00
Fee Per Withdrawal: none
Dormant Account Fee: $10.00 per month after 1 year
Inactive Service Charge Fee: $10.00
Service Charge: $15.00 per month if average daily collected balance falls below $1,000.00

Overdraft Privilege (ODP) (for qualified account holders)

Super NOW Accounts

Minimum Opening Balance: $2,500.00
Fee Per Withdrawal: none
Dormant Account Fee: $10.00 per quarter after 1 year
Inactive Service Charge Fee: $10.00
Service Charge: $15.00 per month if average daily collected balance falls below $2,500.00

Overdraft Privilege (ODP) (for qualified account holders)

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