Business Online Banking
Mobile Banking with Mobile Deposit
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|Essential Business Checking||Performance Business Checking||Community Checking||Commercial Analysis|
|Designed For||Businesses with straightforward banking needs and a low number of transactions.||Established companies with a moderate level of transactions.||Non-profits with straightforward banking needs and community clubs.||Businesses with multiple accounts or a large volume of transactions.|
|Minimum Opening Deposit||$100||$500||$100||$100|
|Account Opening Bonus||_||$4501||-||_|
|Monthly Maintenance Fee||$0 or 142||$0 or 162||$0 or 102||$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 balance
Enroll and use Online Banking, including at least one paid transaction sent through Bill Pay
|One of the following:
Maintain $3,000 monthly average balance
Maintain $40,000 average combined loan balances
|$500 minimum daily balance||_|
|Earnings Credit Available to Reduce or Offset Service Fees||_||_||_||
Plus, 50% discount on Direct Connect monthly maintenance fee.4
Monthly Transactions5 Allowance At No Charge
(when minimum balance requirement is met)
|Fee for Transactions Over Monthly Allowance||$0.45||$0.45||$0.355||$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
$5 per month for >$10,000
|Check Order Discount
(From preferred provider)
|Personal Checking Account for Business Owner with No Monthly Maintenance Fee||_||
|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||
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 The per item charge is for each debit, credit or item deposited.
7 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||_||
|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|
|Paper or Electronic Statement at No Charge