New Carlisle Federal has a checking plan to fit your individual needs, whatever your time and place in life. From free basic checking to interest bearing accounts for personal or business use, you'll find the convenience, safety, service, and features you want in our Lifestyle Checking Accounts.

Lifestyle Freedom Checking
A free, non-interest bearing account with no monthly service charge, no minimum balance requirement, and unlimited check writing with no additional fees. So you have the freedom to use your account as often as you like. Or, you can access your account with your New Carlisle Federal ATM or Visa Check Card®. Your Visa Check Card allows you to pay for your purchases without writing a check. Use it where you find the VISA® logo.

Lifestyle Choice Checking
With Lifestyle Choice checking you can enjoy the advantage of an interest-bearing account. Maintain the average balance requirement of the account and pay no service charge. You can access your New Carlisle Federal account by check, ATM, or Visa Check Card®. There's no service charge or minimum balance requirement for customers age 65 or older. See a new account representative for current interest rates, average balance requirement and more information.

Free Check Safekeeping
Will all New Carlisle Federal Lifestyle Checking Accounts, we'll keep your cancelled checks safe and secure for you. Copies of individual checks can be obtained from our offices if needed. Or, if you prefer, all images of cancelled checks will be returned to you each month for a small monthly fee.

Whether your savings goal is short- or long-term, New Carlisle Federal has the safe, secure investment tools and competitive rates to optimize your return, while making your goal easier and more convenient to achieve.

Savings Accounts
From Statement Savings that provides a monthly record of all your transactions...to a Money Management Account that gives you higher money market interest rates, New Carlisle Federal has a variety of options to fit your particular need and place in life. You can even take advantage of our automatic deposit plan to make your money grow without even thinking about it.

Certificates of Deposit
Investing your funds for a longer period of time in a New Carlisle Federal CD is a great way to lock into higher rates while choosing the term that suits you... from as little as three months up to four years or longer. And a New Carlisle Federal CD renews automatically at maturity to keep your investment growing without missing a beat.

IRAs
Tax-deferred savings at competitive rates make retirement easy with a traditional Individual Retirement Account. Or, you can take advantage of tax-free savings with a Roth IRA from New Carlisle Federal. Your IRA funds can be invested in any of our Certificate of Deposit options.

BankDirect - Electronic Business Services
We offer electronic banking solutions for our business customers to make banking easier. BankDirect offers the ability to deposit your checks without making a trip to the bank, pay state and federal taxes electronically, pay invoices by phone or the internet, allow your customers to pay your invoices by phone or internet, collect recurring payments electronically, move funds between your corporate accounts, offer direct deposit for your employee's payroll and eliminate wire transfer fees.

Analysis Business Account
The Analysis Business Account is available for corporations and partnerships. A monthly fee is instituted and certain transactions are charged a service fee. These service charges may be reduced by an earnings credit which is based on the average collected balance less reserve requirements. The earnings credit rate is the savings account rate plus 1%.

Sole Proprietor
Sole proprietors can open this interest bearing account with 15 free checks per month. There is an average balance requirement of $500 to avoid the monthly service charge fee. Additional fees apply for certain transactions including ATM transactions.

Non-Profit Checking
Any non-profit organizations such as churches, scouts, PTOs, Boosters, etc. can open a non-profit checking account. This is an interest bearing account with 10 free checks per month. Maintain an average balance of $500 and avoid the monthly service charge fee. Cancelled checks will be returned with your monthly statement.

Small Business Checking
For small business we have designed a non-interest bearing checking account with a minimum opening deposit of $50.00. You will receive 150 transactions free per month and a charge of $0.50 for each transaction over 150. There is no minimum balance requirement for this checking account. Transactions include deposits, deposited items, checks written, ACH deposits and withdraws and any item that would post to the account.

Other Business Services
Business Time Deposits
Direct Deposit of Payroll
Voice Master®
Night Deposit
Depository for Taxes
Safe Deposit Box

Learn how to switch your accounts with our switch kit and enjoy the benefits of being a New Carlisle Federal customer. It's as easy as 1-2-3!

Identification Procedures Requirements: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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