We have a checking account for every stage of life. All personal checking accounts include these features:
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, Google and Samsung Pay
VISA Debit Card
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| Features | Rewards Checking |
eChecking |
Performance Checking 2.0 |
Hero Checking1 |
|---|---|---|---|---|
| Open With | $100 | $100 | $100 | $100 |
| Interest |
_ | _ |
Premium 0.15% APY on balances up to $10,000
(Balances > $10,000 earn .05% 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 daily 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 daily 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 enrollment/usage + 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 | _ |  |
- | _ |
| 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) |  |
 |
 |
 |
| Standard Order of Checks at No Charge (one box) | _ | _ |
 |
_ |
| Standard Size Safe Deposit Box at No Charge | _ | _ |
 |
_ |
| Official Checks at No Charge | _ | _ |
 |
_ |
1Available to: firefighters, law enforcement, military (active, reserves & veterans), healthcare workers, EMS, teachers and all employees who work for a non-collegiate school or school system.
2Annual percentage yield. APY available as of May 1, 2022, and is subject to change. For balances greater than $10,000, a blended APY calculation will be reflected on your statement. Fees may reduce earnings.
3No monthly maintenance fee when specified account requirements are met.
4Bonus is paid after after the following requirements are met during one of the statement cycles between 90 to 180 days of the account opening date: 1) at least 20 paid debit card transactions (not including ATM 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. Limit one personal account opening bonus per household. 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.