Checking

ONE-FEE CHECKING

If it is simplicity that you are looking for, One-Fee Checking may be the perfect choice for you.

  • Unlimited checkwriting
  • Unlimited North State Bank ATM transactions
  • For a fee of $10.50 per statement cycle, enjoy a no minimum balance requirement
  • Open with a $100 deposit

REGULAR CHECKING

Regular Checking offers unlimited checkwriting privileges without a monthly fee, provided you maintain one of these balance requirements:

  • An average daily balance of $1,250 in your Regular Checking account, or
  • A minimum daily balance of $500 in your Regular Checking or Savings account, or
  • A $2,500 minimum daily combined balance in your checking, savings and money market accounts.
  • Open with a $100 deposit

For balances that fall below the minimum requirement, a fee of $6 and $0.40 per debit item will apply per statement cycle.

INTEREST CHECKING

An Interest Checking account at North State Bank pays competitive interest rates while providing the convenience of unlimited check-writing:

  • No regular monthly service fee will be charged if you maintain a minimum daily combined balance of $2,500 in your checking, savings or money market accounts; or a minimum daily balance of $750 in your Interest Checking account; or an average daily balance in your Interest Checking account of $2,000.
  • Interest is compounded daily and paid monthly based on the average collected balance in your account during a statement cycle, and is reported to you on a monthly statement.
  • Unlimited North State Bank ATM transactions
  • Open with a $100 deposit

For balances below the minimum requirement, a fee of $11.95 will apply per statement cycle.

PERFORMANCE CHECKING

Performance Checking is a comprehensive package of banking benefits that combines interest checking with other valued services.

  • A competitive interest rate
  • Unlimited checkwriting
  • Unlimited North State Bank ATM transactions
  • Custom checks at no charge
  • Standard size safe-deposit box at no charge
  • No per-statement cycle service fee if you maintain a minimum balance in Performance Checking or in a Regular Savings account of $2,500; or maintain an aggregate balance of $10,000 or more between your checking, money market, savings, and CD accounts with us; or open and maintain a North State Bank Equity Line of $15,000 or more.
  • ATM surcharge fee reimbursement for use of non-North State Bank ATMs when minimum daily balance is maintained.
  • Open with a $100 deposit

For balances below the minimum requirement, a monthly fee of $20 will apply.

OVERDRAFT PROTECTION

A plan for protection against overdrafts is available for any North State Bank checking account. Applications are subject to credit approval. If you have a question or would like to receive an application, stop by the office location nearest you.

View the schedule of fees.

Fees may reduce earnings.