
Personal Checking
Our mission is to provide the best banking experience possible by anticipating your needs and exceeding your expectations while assisting you in achieving your short-term and long-term financial goals. We continue this mission by offering you a variety of checking account options. Choose the account that is best for you and take advantage of all the benefits your checking account has to offer.
Accounts Comparisons
Account | Minimum Daily Balance1 | Monthly Service Charge | Interest-bearing | Images | ATM fee refunds2 | Extras | |
Cardinal Checking | $10,0003 | $154 | ![]() |
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Totally Free Checking5 | None | None | ![]() |
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BNC Rewards Checking
Offered in Virginia Only |
None | None | ![]() |
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Earn higher interest rates2 | See More > |
BNC Perks Checking
Offered in Virginia Only |
None | None | ![]() |
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Earn up to $4.99 in iTunes®, Amazon.com®, Google Play™ or Netflix purchase refunds2 | See More > | |
BNC Beginnings | None | $56 | ![]() |
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The following services are available with Personal Checking Accounts:
Other Services include:
- Complimentary Notary Service
- Complimentary Telephone Transfers through BNC Access 24
1. Required to avoid service charge
2. Account qualifications must be met in order to receive the Rewards and Perks of BNC Rewards and BNC Perks checking, including ATM fee refunds, earning a higher interest rate and iTunes®, Amazon.com®, Google Play™ or Netflix purchase refunds. These accounts are offered in Virginia only.
3. $10,000 combined in minimum daily balances (checking, savings, money market, CDs, and IRAs) or $10,000 combined outstanding balances on a loan or line of credit
4. If minimum daily balance requirement is not met
5. Customer purchases checks and is responsible for any non-sufficient funds
6. If account requirements are not met
7. Message, data, connectivity and usage rates may apply. Contact your wireless and/or internet service provider for details.
Order Personal Checks
Time to order new Bank of North Carolina Deluxe
checks? It's fast and easy. Just click here and you'll be taken to a special
site for check reordering.