A great local bank for Nevadans

Posted by: mbcarl | Sep 28, 2016

Nevada State Bank is a very good option for you banking needs in Nevada. It has a good number of branch locations and ATMs throughout the state. Their checking and savings account products are also easy to set up and have low fees. One exception to the rule is that for a free checking account, you either need to have money regularly direct deposited into the account, or keep a $1500 average limit in the account each month. Their website has all of the regular functionality that you would expect from a much larger bank. For example, they have online bill pay features, transfer features, and allow viewing of all of your past statements. Whenever I go into a physical branch, the staff is always very courteous and helpful.

Nevada State Bank review

Posted by: sammy132 | Dec 7, 2014

I decided to make a checking account for this bank a couple years ago. Their service is pretty good and fast and all their employees are friendly. There were a few issues with this bank though which unfortunately made me close my account with them. First, their open times are very short. They close something at 3pm on weekdays and don't even open on weekends. This was a huge problem for me as I work on the weekdays until 5 and I'm free on weekends. Second, their ATM seems to be broken for most of the time. I wanted to deposit cash using their ATM, however, their ATM malfunctioned in the middle and ate my cash. This involved me filing a report and eventually getting my money back. Their fees are pretty good in my opinion. I once overdrew money from my card and I was hit with fees, however, they waived the fee. Overall, it's a nice bank but only for people that are free during their short open times.

As Recently As 2014/2015, NSB Still Holding Onto "New Account, Large Deposits" Overlong

Posted by: nldurell | Jun 10, 2016

I have read some of the complaints, herein, and I, too, experienced an overlong hold on a $ 10,000 deposit (cashier's check from former out-of-state bank) when I was attempting to open a new account at NSB.

Their representative took the check and said the entire $ 10,000 would not be available for 9 days. Even though I acquiesced in this policy, I later checked federal regulations on NSB's policy and have cut-&-pasted them below.

In my case, the "New Accounts" rep should have clearly and openly stated that $ 5,000 of my
$ 10,000 would be available the next business day (see I.a.1., below) and the remainder in 7 days (if, in furtherance of good customer service, they followed regulation II.B.1., below). Otherwise, regulations allowed a hold on the remaining $ 5,000 for 9 business days (see I.A.1.a., below) which is the route NSB chose to follow (of course).

The most important rule is to note that, generally, it is the type of the deposit that dictates the hold time. So as not to post an overlong review, I have limited the cited regulations to "New Accounts" and "Large Deposits: $ 5,000 or More".

I. New Account.
A. Deposit into an account that has been open for fewer than 30 days (unless you've had another account with the same institution for at least 30 days).
1. Cash, Electronic Payments & First $5,000 of Checks.
a. Next Day; Remainder 9th Business Day

II. Large Deposit.
B. Deposit other than cash or electronic payment totaling more than $5,000 in a single day.
1. First $5,000 2nd Business Day; Remainder 7th Business Day or Later.

With regard to the only other matters of concern to me, though I find in-person employee attitude to be professional and considerate, customer service at the drive-up is slow and they still want identifying documents every time I cash a check even though I've been a customer for 1-1/2 years. It seems to me that they exhibit an overall sense of distrust of the customer.

Closing Account

Nsbank is an excellent bank until you close it. $8 a day for being remotely on the negatives and trying to close it. Charges add up fast. No way of stopping them even when the money is is on the way. For this, if i could give negative 8 stars a day until this is done, then I issue them. Not right for a bank to pull that much away from anyone.



Health Grade Components

FDIC Certificate #2270
Year Established1873
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.32%
Return on Equity - YTD11.68%
Annual Interest Income$2.49B
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$68.75B$66.08B
LoansQ4 2018vs Q4 2017$46.31B$44.31B
DepositsQ4 2018vs Q4 2017$54.10B$53.00B
Equity CapitalQ4 2018vs Q4 2017$7.58B$7.61B
Loan Loss AllowanceQ4 2018vs Q4 2017$495.3MM$517.8MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$236.9MM$406.8MM
Real Estate OwnedQ4 2018vs Q4 2017$4.4MM$3.7MM
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Nevada State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Nevada State Bank Savings Account Rates

0.02%--Relationship Savings
0.02%--Public Funds Savings
0.01%--Classic Savings
0.01%--Individual Development Account
0.01%--Young Savers
0.01%--Business Savings
0.01%--Business Secured Visa Savings
0.01%--Secured Visa Savings

Nevada State Bank Money Market Rates

0.25%*$1m*-Relationship Money Market
OTHER TIERS: 0.05% $1k - $5k | 0.10% $5k - $25k | 0.15% $25k - $100k | 0.20% $100k - $1m
0.25%*$1m*-Business Money Market Sweep
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $100k | 0.20% $100k - $1m
0.25%*$1m*-Relationship IRA Money Market
OTHER TIERS: 0.03% Up to $2k | 0.10% $2k - $25k | 0.15% $25k - $100k | 0.20% $100k - $1m
0.20%*$100k*-Public Funds Money Market
OTHER TIERS: 0.05% $1k - $5k | 0.10% $5k - $25k | 0.15% $25k - $100k
0.10%*$100k*-Money Market
OTHER TIERS: 0.03% $1k - $25k | 0.05% $25k - $100k
0.10%*$100k*-IRA Money Market
OTHER TIERS: 0.03% Up to $25k | 0.05% $25k - $100k
0.10%*$100k*-Business Money Market
OTHER TIERS: 0.03% $1k - $25k | 0.05% $25k - $100k

Nevada State Bank Checking Account Rates

0.70%--IOLTA Checking
0.04%*$100k*-Premium Interest Checking
OTHER TIERS: 0.03% Up to $100k
0.01%--Public Funds Interest Checking

Nevada State Bank CD Rates

2.15%$5k-14 Month CD Special
2.00%$5k-8 Month CD Special
1.75%$1k-5 Year Premier CD
1.75%*$100k*-Business 5 Year CD
OTHER TIERS: 0.39% $1k - $100k
1.75%$1k$100kBusiness 5 Year Premium CD
1.75%$1k-Public Funds 5 Year CD
1.45%$1k-4 Year Premier CD
1.45%*$100k*-Business 4 Year CD
OTHER TIERS: 0.30% $1k - $100k
1.45%$1k$100kBusiness 4 Year Premium CD
1.45%$1k-Public Funds 4 Year CD
1.25%$1k-3 Year Premier CD
1.25%*$100k*-Business 3 Year CD
OTHER TIERS: 0.30% $1k - $100k
1.25%$1k$100kBusiness 3 Year Premium CD
1.25%$1k-Public Funds 3 Year CD
1.05%$1k-2 Year Premier CD
1.05%*$100k*-Business 2 Year CD
OTHER TIERS: 0.21% $1k - $100k
1.05%$1k$100kBusiness 2 Year Premium CD
1.05%$1k-Public Funds 2 Year CD
0.95%$1k-18 Month Premier CD
0.95%*$100k*-Business 18 Month CD
OTHER TIERS: 0.18% $1k - $100k
0.95%$1k$100kBusiness 18 Month Premium CD
0.95%$1k-Public Funds 18 Month CD
0.75%$1k-1 Year Premier CD
0.75%*$100k*-Business 1 Year CD
OTHER TIERS: 0.15% $1k - $100k
0.75%$1k$100kBusiness 1 Year Premium CD
0.75%$1k-Public Funds 1 Year CD
0.39%$1k$100k5 Year CD
0.39%$100k-5 Year Jumbo CD
0.30%$1k$100k3 Year CD
0.30%$1k$100k4 Year CD
0.30%$100k-3 Year Jumbo CD
0.30%$100k-4 Year Jumbo CD
0.21%$1k$100k2 Year CD
0.21%$100k-2 Year Jumbo CD
0.18%$1k$100k18 Month CD
0.18%$100k-18 Month Jumbo CD
0.15%$1k$100k1 Year CD
0.15%$100k-1 Year Jumbo CD
0.11%$1k-6 Month Premier CD
0.11%$1k-3 Month Premier CD
0.11%$1k-9 Month Premier CD
0.11%*$100k*-Business 3 Month CD
OTHER TIERS: 0.07% $1k - $100k
0.11%*$100k*-Business 6 Month CD
OTHER TIERS: 0.07% $1k - $100k
0.11%*$100k*-Business 9 Month CD
OTHER TIERS: 0.07% $1k - $100k
0.11%$1k$100kBusiness 3 Month Premium CD
0.11%$1k$100kBusiness 6 Month Premium CD
0.11%$1k$100kBusiness 9 Month Premium CD
0.11%$1k-Public Funds 3 Month CD
0.11%$1k-Public Funds 6 Month CD
0.11%$1k-Public Funds 9 Month CD
0.07%$1k$100k6 Month CD
0.07%$1k$100k3 Month CD
0.07%$1k$100k9 Month CD
0.07%$100k-3 Month Jumbo CD
0.07%$100k-6 Month Jumbo CD
0.07%$100k-9 Month Jumbo CD
0.06%$1k-1 Month Premier CD
0.06%*$100k*-Business 1 Month CD
OTHER TIERS: 0.05% $1k - $100k
0.06%$1k$100kBusiness 1 Month Premium CD
0.06%$1k-Public Funds 1 Month CD
0.05%$1k$100k1 Month CD
0.05%$100k-1 Month Jumbo CD

Nevada State Bank IRA Rates

2.15%$5k-14 Month IRA Special
2.00%$5k-8 Month IRA Special
1.75%$1k-5 Year Premier IRA
1.45%$1k-4 Year Premier IRA
1.25%$1k-3 Year Premier IRA
1.05%$1k-2 Year Premier IRA
0.95%$1k-18 Month Premier IRA
0.75%$1k-1 Year Premier IRA
0.39%$1k-5 Year IRA
0.30%$1k-3 Year IRA
0.30%$1k-4 Year IRA
0.21%$1k-2 Year IRA
0.18%$1k-18 Month IRA
0.15%$1k-1 Year IRA
0.11%$1k-3 Month Premier IRA
0.11%$1k-6 Month Premier IRA
0.11%$1k-9 Month Premier IRA
0.07%$1k-6 Month IRA
0.07%$1k-3 Month IRA
0.07%$1k-9 Month IRA
0.06%$1k-1 Month Premier IRA
0.05%$1k- 1 Month IRA


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.