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Checking

From just the basics to robust analytical tools, our business checking accounts are best in class.

Explore Checking

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At Your Fingertips

Every North State Bank business checking account includes these features:

Online Banking

Mobile Banking with Mobile Deposit

QuickBooks Integration

Business Checking at its Best

Essential Business Checking

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

Essential Business Checking

Performance Business Checking

For established companies with a moderate level of transactions.

Performance Business Checking

Community Nonprofit Checking

For nonprofits and community clubs with straightforward banking needs.

Community Nonprofit Checking

Commercial Analysis Checking

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

Commercial Analysis Checking

Attorney Operating Checking

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

Attorney Operating Checking

IOLTA Checking

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.

IOLTA Checking

An Even Closer Look:
Side-by-Side Comparison

	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 Fee	$0 or 14²	$0 or 16²	$0 or 12²	$14
Qualifiers to Waive Monthly Fee				-
Earnings Credit Available to Reduce or Offset Service Fees	-	-	-	³
QuickBooks Integration
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	$5,000 $5 per month for >$5,000	-
Check Order Discount (From preferred provider)	-	$50	-	-
Personal Checking Account for Business Owner with No Monthly Fee	-	Choice of eChecking or Rewards Checking	-	-
Online Banking with Bill Pay
Optional Connection to Zero Balance Account⁶	-	-	-
Paper Statement at No Charge	-		-

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.

²No monthly maintenance fee when specified account requirements are met.
³Earnings credit fluctuates at the Bank's discretion.
⁴50% 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.

⁶Zero 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	-	Interest earned is donated to the State Bar for public interest projects.
Paper or Electronic Statement at No Charge