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 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 
  • ATM fees are reimbursed up to $12 per statement cycle for the 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 0.35% APY on balances up to $10,000. Balances greater than $10,000 earn 0.20% APY.
  • Unlimited ATM fee reimbursement per statement cycle for use of non-North State Bank ATMs 
  • Electronic or paper statements available at no charge
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, Google 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 0.35% APY on balances up to $10,000

(Balances > $10,000 earn .20% 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  table checkmark  _
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 August 3, 2018, and is subject to change. For balances greater than $10,000, a blended APY calculation will be reflected on your statement.
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.