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| ... an easy, safe way to have access to your funds. |
... perhaps the best checking account in
North Carolina! |
... have the cash you need when you need it! |
| ... makes it easy to save for a "rainy day." |
... making banking with North State even easier! |
Checking Accounts
ONE-FEE CHECKING
Many customers want unlimited check writing and want to know exactly what their service fee is going to be. That's why we created One-Fee Checking. With an opening deposit of $100 and a low fee of $10.50 per statement cycle, you have an unlimited number of checks or drafts and an unlimited number of North State 24 ATM transactions, all with no minimum balance requirement.
REGULAR CHECKING
Regular Checking provides unlimited check writing without paying the regular service fee of $6, when you maintain one of the minimum balance requirements in your checking or savings account.
INTEREST CHECKING
Earn a competitive rate of interest on your checking funds and enjoy unlimited check writing. If you maintain a minimum daily combined balance of $2,500 in your checking, savings, or money market accounts, a minimum daily balance of $750 in your Interest Checking account, or an average daily balance in your Interest Checking account of $2,000, you will not be assessed a regular monthly service fee. Interest will be earned on the average collected balance in your account during a statement cycle. If one of the minimum balance requirements is not maintained, a monthly fee of $11.95 will be service charged to your account. This account can be opened with a low opening deposit of $100.
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PERFORMANCE CHECKING
Perhaps the best checking account in North Carolina!
Perform …isn't that what you want your checking account to do? Well, at North State Bank - that's just what Performance Checking does. Take advantage of our complete package of banking services - including tiered annual percentage yields (APYs) - as you invest more, you'll earn more on your checking funds.
Balance Tiers
Less than $10,000
$10,000 - $49,999
$50,000 - $99,999
$100,000 - $249,999
$250,000 and over
If you would like to find out the current yield for the balance tier in which you are interested, please call or stop by the office location nearest you.
Performance Checking includes a competitive interest-bearing checking account with unlimited check writing, free custom checks, no annual fee credit cards (you must apply and qualify), no monthly fees on North State Bank Visa CheckCards, and much more!
Performance Checking is a relationship product. In order to qualify for no monthly service fees, you must have another account with us and maintain a qualifying relationship. A customer service representative can provide you with the information you need in order to start taking advantage of Performance Checking today!
[Disclosure: Annual percentage yields are subject to change without notice. Yields are based on market conditions and are reviewed on a weekly basis.]
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OVERDRAFT PROTECTION
Overdraft Protection provides the money you need …when you need it.
Overdraft Protection provides you the comfort level you need to write checks without worrying about overdrafts or missed purchases. Overdraft Protection is a line of credit that is linked to your checking account, after the funds in your checking account have been used, additional funds will be transferred from your line of credit to your checking account in increments of $100 to cover checks, withdrawals and other debits.
There's no charge to establish an Overdraft Protection account, finance charges accrue only when you use your credit line.
Each month, your Overdraft Protection account information will be reported to you. If you desire, we will draft your checking account for the minimum payment due on your payment date. However, you can pay off all or part of what you owe at any time.
If you have a question or would like to receive an application, please call or stop by the office location nearest you.
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Savings Accounts
REGULAR SAVINGS
A Regular Savings Account provides a safe way to put money away for the future while earning a competitive rate of interest. With a minimum daily balance of $300, there is no monthly fee, and two withdrawals per month are allowed at no charge. The monthly fee if the minimum is not kept is $4. Use your Regular Savings Account with a minimum daily balance of $500 to qualify for no service fee on your North State Bank Regular Checking Account or a $1,000 minimum daily balance to qualify for no service fee on your North State Bank Interest Checking Account.
MONEY MARKET ACCOUNT
Earn competitive interest rates while having access to your funds on deposit with us. A minimum daily balance of $1,000 assures you market rates with no monthly fee. Interest rates are tiered so that as you save more, you receive a higher rate of interest. If your balance falls below the $1,000 minimum daily balance requirement during a statement cycle, your account will be assessed a $10 fee. By law, there are limits to the number and types of transactions allowed to a Money Market Account. See a customer service representative for more information on these limitations and any additional fees. This account can be opened with a $1,000 deposit.
CERTIFICATES OF DEPOSIT
A certificate of deposit is a safe, easy way to get a higher rate of interest on your long or short-term savings. With as little as $1000, you can open a Certificate of Deposit (CD) with us. For added savings, your interest can be reinvested in your certificate, or if you prefer, you may receive a monthly check for the amount of your interest. Interest rates on most CDs are tiered so that you earn a higher rate of interest on higher balances. The tiers are based on balances of <$9,999, $10,000 to $49,999, $50,000 to $99,999 and $100,000 and over. All of our CDs are automatically renewable.
INDIVIDUAL RETIREMENT ACCOUNTS
Individual Retirement Accounts (IRAs) are great ways to save for retirement. A number of options are available, including both the popular Roth IRA and an Education IRA, for using an IRA to save for college education needs. Your selection will depend on your investment goals. Depending on the option you choose, an IRA can provide either tax-deferred or tax-free savings at competitive interest rates.
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Other Services
NETBANKER ONLINE BANKING AND ONLINE BILL PAYMENT
For more information on NetBanker - online banking from North State Bank and online bill payment.
Click here!
NORTH STATE BANK 24 ATM CARD
Your ATM card gives you easy access to your checking and savings funds on deposit with us from any ATM that is part of the STAR® or Cirrus® ATM network - which means you have access to thousands of ATMs nationwide and internationally. Plus, you can use your North State Bank 24 ATM card to pay for gas, groceries, or other goods and services anywhere STAR (formerly HONOR®) cards are accepted.
NORTH STATE BANK VISA® CHECKCARD
A Visa CheckCard gives you all of the safety and ease of a credit card, but it works like a check! You can make purchases anywhere Visa and STAR cards are accepted. Your Visa CheckCard from North State Bank also functions as your ATM card - so there is no need to carry both cards. When you use your card, funds to cover the cost of the purchase or to cover an ATM withdrawal are automatically debited from your checking account with us. There is no monthly fee for your North State Bank Visa CheckCard. See a customer service representative today for an application.
E-STATEMENTS
Receive your bank account statements online and view your statement the day after it is prepared. It looks exactly like the printed version, including check images. View the statement online, print it for your files, save it to your computer or email it.
CHECK IMAGING
We've made balancing your statement and recordkeeping on your account easier than ever - with Check Imaging from North State Bank. Each month you'll receive pages with images of your canceled checks in check number order. You'll be able to put these already three-hole-punched statements into a binder for easy access. It's a picture perfect way to keep your financial records in order.
VOICE RESPONSE 24 - TOLL-FREE AT 1-877-357-2265
With Voice Response 24, banking is easier than ever. Just call our automated telephone response system and access your deposit accounts to check balances, transfer funds between accounts, and verify deposits and checks paid on your account. It's toll-free and available almost anytime, day or night.
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