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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 bncbanksc bncbanksc     See More >
Totally Free Checking5 None None   bncbanksc     See More >
BNC Rewards Checking

Offered in Virginia Only

 None None bncbanksc bncbanksc bncbanksc Earn higher interest rates2 See More >
BNC Perks Checking

Offered in Virginia Only

 None None   bncbanksc bncbanksc Earn up to $4.99 in iTunes®, Amazon.com®, Google Play™ or Netflix purchase refunds2 See More >
BNC Beginnings None $56   bncbanksc     See More >

The following services are available with Personal Checking Accounts:

bncbanksc Cashline Overdraft Line of Credit

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.

 

 

Cardinal Checking

Cardinal Checking is our premium account for customers that want their full relationship with BNC.

Benefits:

1. No application required. Eligibility required. Contact a branch or see the Bounce Protection page for more information.

2. 3x5 Safe Deposit Box, subject to availability or credit towards a larger box

Totally Free Checking

Totally Free Checking is just that... totally free. It fits any lifestyle.

Benefits:

BNC Perks Checking

BNC Perks rewards customers with purchase refunds when easy qualifications are met.

Monthly Qualifications:

Benefits:

Perks3:

1. No application required. Eligibility required. Contact a branch or see the Bounce Protection page for more information.

2. Message, data, connectivity and usage rates may apply. Contact your wireless and/or internet service provider for details.

3. Perks are posted the last day of the statement cycle when monthly qualifications are met. If monthly qualifications are not met, there is no monthly service charge and you can try again next month to earn the perks.

4. The perks are not endorsed by iTunes®, Amazon.com®, Google Play™, or Netflix nor is there any actual or implied joint venture, affiliation, partnership, or relationship of any kind between the Bank and these entities.

©2012 Google Inc. All rights reserved. Google Play is a trademark of Google Inc.

BNC Rewards Checking

BNC Rewards Checking offers a checking account that earns rewards.

Monthly Qualifications:

Benefits:

Rewards3:

1. No application required. Eligibility required. Contact a branch or see the Bounce Protection page for more information.

2. Message, data, connectivity and usage rates may apply. Contact your wireless and/or internet service provider for details.

3. Rewards are posted on the last day of the statement cycle when the monthly qualifications are met. When monthly qualifications are not met, there is no service charge, you earn a lower rate of interest and you can try again next month to earn your rewards.

BNC Beginnings

BNC Beginnings is our account for customers 13 years and older who are starting a banking account.

Account Requirements:

Benefits:

1. Message, data, connectivity and usage rates may apply. Contact your wireless and/or internet service provider for details.