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	Cardinal	Totally Free
Service Charge and Minimum Balance Requirements	$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.	None
Unlimited Checks
Bounce Protection
Online Banking/Bill Pay
BNC Check/ATM Card
Images
Interest-Bearing
Cashline*** (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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