Business Checking

Overview
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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

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

Community
CHECKING

FEATURES

Non-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

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

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

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

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 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	_	_	_	³
QuickBooks Integration		Plus, 50% discount on Direct Connect monthly maintenance fee.⁴
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	_	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

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.
⁵The 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	_	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