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Checking Accounts
PERFORMANCE CHECKING
Perhaps the best checking account in North Carolina!
Perform...isn't that what you want your checking account to do? Well, at North State Bank - that's just what Performance Checking does.
The Performance Checking account is a comprehensive package of banking benefits that combines interest checking with other valuable bank services. You'll receive a competitive return on your checking funds, enjoy unlimited check writing, and receive custom checks and a standard size safe-deposit box with no fee. You'll have no annual fee on your North State Bank credit card, no monthly fee on your North State Visa CheckCard and much more. Just open your account with $100 or more and you will not be assessed a regular monthly 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, savings, and CD accounts with us; or, open and maintain a North State Bank Equity Line of $15,000 or more. In any month that account requirements are not met, a $20 fee will be assessed.
If you would like to find out the current yield for the balance tier in which you are interested, please stop by the office location nearest you.
[Disclosure: Annual percentage yields are subject to change without notice. Yields are based on market conditions and are reviewed on a weekly basis.]
ONE-FEE CHECKING
Many customers want unlimited check writing and want to know exactly what their service fee is going to be. That's why we created One-Fee Checking. With an opening deposit of $100 and a low fee of $10.50 per statement cycle, you have an unlimited number of checks or drafts and an unlimited number of North State 24 ATM transactions, all with no minimum balance requirement.
REGULAR CHECKING
The Regular Checking account gives you unlimited check writing privileges without monthly fees, provided you maintain certain minimum balance requirements. Those requirements are to maintain an average monthly balance of $1,250 in your checking account or a minimum daily balance of $500 in your Regular Checking account or $2,500 minimum daily combined balance in your checking, savings and money market accounts. If balance requirements are not maintained, there is a $6 monthly fee and $.40 per debit. This account can be opened with only $100.
INTEREST CHECKING
Earn a competitive rate of interest on your checking funds and enjoy unlimited check writing. If you maintain a minimum daily combined balance of $2,500 in your checking, savings, or money market accounts, a minimum daily balance of $750 in your Interest Checking account, or an average daily balance in your Interest Checking account of $2,000, you will not be assessed a regular monthly service fee. Interest will be earned on the average collected balance in your account during a statement cycle. If one of the minimum balance requirements is not maintained, a monthly fee of $11.95 will be service charged to your account. This account can be opened with a low opening deposit of $100.
OVERDRAFT PROTECTION
Overdraft Protection provides the money you need - when you need it.
Overdraft Protection provides you the comfort level you need to write checks without worrying about overdrafts or missed purchases. Overdraft Protection is a line of credit that is linked to your checking account, after the funds in your checking account have been used, additional funds will be transferred from your line of credit to your checking account in increments of $100 to cover checks, withdrawals and other debits.
There's no charge to establish an Overdraft Protection account, finance charges accrue only when you use your credit line.
Each month, your Overdraft Protection account information will be reported to you. If you desire, we will draft your checking account for the minimum payment due on your payment date. However, you can pay off all or part of what you owe at any time.
If you have a question or would like to receive an application, please stop by the office location nearest you.
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