North Cascades Bancshares owns and operates North Cascades National Bank, which was established in 1986. North Cascades National Bank offers a range of financial products, such as ATMs and safe-deposit boxes. The bank s services include overdraft protection, card processing, and online and telephone banking. It provides bill payment and commercial lending services. North Cascades National Bank also offers certificates of deposit, savings, individual retirement, and personal and business checking accounts. The bank additionally provides commercial real estate, home equity, agriculture and construction loans. North Cascades National Bank is a member of the Federal Deposit Insurance Corporation and Equal Housing Lender.