From just the basics to analysis, our business checking accounts are best in class. Each business checking account includes:
Business Checking
Business Online Banking
From just the basics to analysis, our business checking accounts are best in class. Each business checking account includes:
Business Online Banking
Mobile Banking with Mobile Deposit
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| Essential Business Checking | Performance Business Checking | Community Nonprofit Checking | Commercial Analysis | |
|---|---|---|---|---|
| Designed For | Businesses with straightforward banking needs and a low number of transactions. | Established companies with a moderate level of transactions. | Nonprofits and community clubs with straightforward banking needs. | Businesses with multiple accounts or a large volume of transactions. |
| Minimum Opening Deposit | $100 | $500 | $100 | $100 |
| Account Opening Bonus | _ | $4501 | $501 |
_ |
| Monthly Maintenance Fee | $0 or 142 | $0 or 162 | $0 or 122 | $14 |
| Monthly Maintenance Fee is Waived with | One of the following: Deposit payment proceeds from your North State Bank merchant services account into your Essential Business Checking account -or-$1,500 minimum daily balance -or- Enroll and use Online Banking, including at least one paid transaction sent through Bill Pay |
One of the following: Maintain $3,000 average daily balance -or- Maintain $40,000 average combined loan balances |
$500 minimum daily balance | _ |
| Earnings Credit Available to Reduce or Offset Service Fees | _ | _ | _ |
 3 |
| QuickBooks Integration |  |
 Plus, 50% discount on Direct Connect monthly maintenance fee.4
|
 |
 |
|
Monthly Transactions5 Allowance At No Charge
|
150 |
500 | 150 | 0 |
| Fee for Transactions Over Monthly Allowance | $0.45 | $0.45 | $0.45 | $0.18 per debit; $0.45 per credit; $0.08 per item deposited |
| Cash Processing Per Month At No Charge | $1,000 $5 per month for >$1,000 |
$10,000 $5 per month for >$10,000 |
_ | _ |
| Check Order Discount (From preferred provider) |
_ | $50 | _ | _ |
| Personal Checking Account for Business Owner with No Monthly Maintenance Fee | _ |
 Choice of
eChecking or
Rewards Checking |
_ |
_ |
| Online Banking with Bill Pay |  |
 |
 |
 |
| Optional Connection to Zero Balance Account6 | _ | _ |
_ |
 |
| Paper or Electronic Statement at No Charge | Electronic statement at no charge; $3 per paper statement |  |
Electronic statement at no charge; $3 per paper statement |
 |
1Bonus is paid after the following requirement is met during one of the statement cycles between 90 to 180 days following the account opening date: 50 or more transactions in a statement cycle for Performance Business Checking account, 20 or more for a Community Nonprofit Checking account, including: paid debit card transactions (not including ATM transactions), ACH debits and credits, and deposits and payments made through Online Banking. Account Opening Bonus is not available for accounts that received a previous account opening bonus related to a business checking account. Limit one business account opening bonus per physical address, and/or Federal Tax ID. Must be registered to do business in NC. A converted account may be eligible if the current account was opened within the last six months. Subject to change without notice.
2 No monthly maintenance fee when specified account requirements are met.
3 Earnings credit fluctuates at the Bank's discretion.
4 50% discount on $15 per statement cycle fee for Direct Connect service.
5 Transactions refers to any combination of deposits, paid items and deposited items, including paper and electronic.
2 No monthly maintenance fee when specified account requirements are met.
3 Earnings credit fluctuates at the Bank's discretion.
4 50% discount on $15 per statement cycle fee for Direct Connect service.
5 Transactions refers to any combination of deposits, paid items and deposited items, including paper and electronic.
6 Zero Balance Account is subject to fees and conditions.
Attorney Checking Accounts
| attorney operating checking | iolta checking | |
|---|---|---|
| Designed For | Attorney operating funds and can be combined with an IOLTA account |
Attorneys participating in the IOLTA program set up by the North Carolina State Bar, this account earns interest (less service charges). Interest earned is donated to the State Bar for public interest projects. |
| Minimum Opening Deposit | $100 | $100 |
| Monthly Maintenance Fee | $14 | $14 |
| Earnings Credit Available to Reduce or Offset Service Fees | _ |
 1 |
| QuickBooks Integration |  |
 |
| Per Item Transaction Fee |
$0.18 per debit; $0.45 per credit; $0.08 per item deposited | $0.18 per debit; $0.45 per credit; $0.08 per item deposited |
| Interest | _ |  |
| Paper or Electronic Statement at No Charge |
 |
 |
1 Earnings credit fluctuates at the Bank's discretion.