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Customer Care Center Hours 7am-11pm Mon-Fri, 9am-5pm Sat (1.800.262.7175)
Bank of North Carolina. The place to be...for all the right reasons.

Personal Checking

Our most popular checking account is Totally Free Checking, which gives you all the simplicity and convenience you want in an account:

  • Unlimited check writing
  • No minimum balance to maintain
  • No monthly services charge

Plus you have access to Online Banking, overdraft protection and the convenience of a Bank of North Carolina ATM/Visa Debit card. 

Personal Checking Options
This chart will help you decide which Bank of North Carolina personal checking account is best for you:

Checking Options


Totally Free

BNC Beginnings
(ages 13 and up)

Service Charge and Minimum Balance

$10,000 combined balances in CDs, checking, money market accounts, savings, IRAs or $10,000 Home Equity Line or Loan Balance or $15 per month charge.


No minimum balance requirement

No monthly service charges with enrollment in eStatements; otherwise, $5 per month

Unlimited Checks

Bounce Protection


Online Banking/Bill Pay

BNC Check/ATM Card




(Overdraft Protection)


Complimentary Checks


Complimentary Safe Deposit Box**


Complimentary Notary Service


** Complimentary 3x5 box or credit towards a larger box. Must check branch for availability.
*** Subject to credit approval.

Order Personal Checks
Time to order new Bank of North Carolina Deluxe checks? It's fast and easy. Just click here and you'll be taken to a special site for check reordering.

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