Business Checking

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 

Essential Business CHECKING

FEATURES
For businesses with straightforward banking needs and a low number of transactions.

  • Open with $100 deposit
  • 150 monthly transactions1 at no charge
  • Three ways to avoid monthly maintenance fee 
  • QuickBooks integration 
More details

Performance
BUSINESS CHECKING

FEATURES
For established companies with a moderate level of transactions.

  • Open with $500 deposit
  • $4501account opening bonus 
  • $50 check order discount when ordering from preferred provider
  • Choice of a personal eChecking or Rewards Checking account for business owner with no monthly maintenance fee
  • Choice of electronic or paper statement at no charge 
  • 500 monthly transactions2 at no charge
  • Three ways to avoid monthly maintenance fee 
More details

Community
CHECKING

FEATURES
N
on-profits with straightforward banking needs and community clubs. 

  • Open with $100 deposit
  • Monthly maintenance fee is waived with $500 minimum daily balance
  • 100 monthly transactions at no charge if minimum balance is maintained; a $0.35 transaction fee will be charged for each item1 in excess of 100
  • QuickBooks integration 
More details

COMMERCIAL
ANALYSIS

FEATURES
For businesses with multiple accounts or a large volume of transactions. This account includes the option to combine accounts to maximize use of balances. 

  • Open with $100 deposit
  • Earnings credit may reduce or offset service fees 
  • QuickBooks integration 
  • Electronic or paper statements at no charge 
More details

Attorney
Operating
Checking

FEATURES
This account is exclusively for attorney operating funds and can be combined with an IOLTA account.

  • Open with $100 deposit
  • Earnings credit may reduce or offset service fees 
  • Electronic or paper statements at no charge 
More details

IOLTA
CHECKING

FEATURES
Designed for 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.

  • Open with $100 deposit
  • Interest is compounded daily and credited monthly
More details

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 
Scroll to view the rest of the table.
  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  
-or-
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
-or-
Maintain $40,000 average combined loan balances
$500 minimum daily balance _
Earnings Credit Available to Reduce or Offset Service Fees _ _ _
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3
QuickBooks Integration table checkmark
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Plus, 50% discount on Direct Connect monthly maintenance fee.4  
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Monthly Transactions5 Allowance At No Charge 

150

500 100 
(when minimum balance requirement is met) 
0
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
 $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  _
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Choice of 
eChecking or
Rewards Checking
_
_
Online Banking with Bill Pay  table checkmark
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Optional Connection to Zero Balance Account6  _ _
_
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Paper or Electronic Statement at No Charge Electronic statement at no charge; $3 per paper statement  table checkmark table checkmark 
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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, 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. A converted account may be eligible if the current account was opened within the last six months. Only available to residents of NC. 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.
The per item charge is for each debit, credit or item deposited.
6Transactions refers to any combination of deposits, paid items and deposited items, including paper and electronic.
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   _
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QuickBooks Integration  table checkmark table checkmark
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  _ table checkmark
Paper or Electronic Statement at No Charge
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1 Earnings credit fluctuates at the Bank's discretion.