Personal Checking

We have a checking account for every stage of life. All personal checking accounts include these features: 
Open with a $100 deposit 
One Non-Sufficient Fund (NSF) Fee waived (per calendar year) 
Online Banking with Bill Pay 
Mobile Banking with Mobile Deposit 
Digital Wallet for Apple Pay, Android and Samsung Pay  
VISA Debit Card 

Rewards Checking

Features
  • Up to $120 a year in cash back ($10 a month)1
  • No monthly maintenance fee when you maintain $100 minimum account balance 
  • Up to $12 in monthly ATM fee reimbursement per statement cycle automatically refunded for use of non-North State Bank ATMs
More details

eChecking

FEATURES

No monthly maintenance fee when you meet the following qualifiers each month:
- Receive an electronic statement  
- Enroll and use Online Banking, including at least one paid transaction sent through Bill Pay  
- Receive at least one direct deposit 

More details

Performance Checking 2.0

FEATURES
  • $200 account opening bonus1 
  • Premium 0.25% APY on balances up to $10,000. Balances greater than $10,000 earn standard APY.
  • Unlimited ATM fee reimbursement per statement cycle for use of non-North State Bank ATMs 
More details

Hero Checking

FEATURES
  • Available to: firefighters, law enforcement, military (active, reserves & veterans), healthcare workers, EMS and teachers
  • $50 account opening bonus1 
  • No monthly maintenance fee when you meet the following qualifiers each month:
     -Receive an electronic statement  
    -Enroll and use Online Banking, including at least one paid transaction sent through Bill Pay  
    -Receive at least one direct deposit 
More details

We have a checking account for every stage of life. All personal checking accounts include these features: 
Open with a $100 deposit 
One Non-Sufficient Fund (NSF) Fee waived (per calendar year) 
Online Banking with Bill Pay 
Mobile Banking with Mobile Deposit 
Digital Wallet for Apple Pay, Android and Samsung Pay  
VISA Debit Card 
    Scroll to view the rest of the table.
    Features  Rewards Checking
    eChecking
    Performance Checking 2.0
    Hero Checking1
    Open With $100 $100 $100 $100
    Interest
     _ _ Premium 0.25% APY on balances up to $10,000
    (balances > $10,000 earn standard APY)2

    _
    Cashback
    Earn $10 a month when  these requirements are met each statement cycle: 
    Receive an electronic statement 
    Conduct 20  or more paid debit card transactions 
    (not including ATM transactions) 
    +
    $500 or more in direct deposits

    _ _ _
    Monthly Maintenance Fee Waived When These Qualifiers are Met Each Month
    $100 minimum monthly balance 
    Receive an electronic
    statement 
    +  
    Online Banking with Bill Pay enrollment/usage,
    including at least one paid transaction sent through Bill Pay   
    +  
    Receive at least one direct deposit
    $2,500 minimum monthly balance in a North State Bank checking or savings account
    - or-  
    Combined balance of $10,000 or more in checking, savings, money market, CD or IRA at North State Bank
    Receive an electronic
    statement 
    +  
    Online Banking with Bill Pay enrollment/usage,
    including at least one paid transaction sent through Bill Pay   
    +  
    Receive at least one direct deposit
     Monthly Maintenance Fee $03 or $10  $03 or $10  $03 or $20  $03 or $10
    Monthly Maintenance Fee Waived for Students 26 Years Old and Younger  _
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    Account Opening Bonus  _ _
     $2004  $504
    ATM Fee Reimbursement Per Statement Cycle (automatically refunded for use of non-North State Bank ATMs)  Up to $12   Up to $15   Unlimited   Up to $15 
    One NSF Fee Forgiveness (per calendar year)   table checkmark        table checkmark  table checkmark
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    Standard Order of Checks at No Charge (one box) _
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    Standard Size Safe Deposit Box at No Charge   _ _
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    Official Checks at No Charge  _


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     _
    1Available to: firefighters, law enforcement, military (active, reserves & veterans), healthcare workers, EMS and teachers.
    2Annual percentage yield. APY available as of July 5, 2017, and is subject to change without notice.
    3No monthly maintenance fee when specified account requirements are met.
    4Bonus is paid after the following requirements are met during one of the statement cycles between 90 to 180 days of the account opening date: 1) 20 or more paid debit card transactions; 2) at least one direct deposit within a statement cycle. Bonus is not available for accounts that received a previous account opening bonus related to a personal 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.