Customer Care Center Hours 7am-11pm Mon-Fri, 9am-5pm Sat (1.800.262.7175)

ATM/Debit Cards

Instead of writing checks, use your card to pay for purchases from your checking account. It's accepted wherever VISA is accepted. You can also access your accounts anywhere in the country where there's an automatic teller machine. There is no transaction fee to use any BNC Bank ATM.



  • Keep track of your purchases through BNC Online Banking
  • Accepted at millions of locations where VISA is accepted
  • Safer than carrying cash




bncbankscPeace of Mind On The Go!

Keep 24/7 tabs on your debit or ATM card, straight from your phone. BNC Mobile Banking offers anti-fraud text alerts with smsGuardian. This service gives cardholders the ability to receive and respond to text alerts on suspect transactions sent to their cell phone or other SMS text messaging device, for their enrolled ATM cards. Approve or reject the charge at the touch of a button. If you believe your card has been compromised, a professional fraud analyst will block your card and contact you immediately.

Sign Up Now  smsGuardian User Guide


Features of smsGuardian

  • Two-way text communication keeps you informed
  • One year enrollment period; cancel at any time
  • All major phone carriers supported
  • Quick notification of unusual activity gives you peace of mind.

When you enroll in the service, you will receive a text message alert if one of these transactions occurs with your Bank of North Carolina debit card:

  • International Transactions
  • 5 or more Transactions in 24 hours
  • Card Not Present
  • Out of State Transactions

Note: Message and data rates may apply. Contact your wireless service provider for details.