PERSONAL
Checking
At First Carolina Bank, we developed unique checking products - to ensure just the right fit, suited to your lifestyle, financial goals, and banking needs.
Explore our flexible checking options!
Minimum deposit to open
Monthly fee
Minimum balance
Paper statement fee
E-statements
Interest bearing*
Personal checks fee
Official checks fee
Safe deposit box fee
FREE
online banking, bill payment, debit card, mobile banking, mobile deposits, notary services, and financial planning with our wealth management team
online banking, bill payment, debit card, mobile banking, mobile deposits, notary services, and financial planning with our wealth management team
Convenient Checking
Simplify how you manage your money with a low opening deposit and no monthly fees or minimum balance.
Minimum deposit to open
$25
Monthly fee
$0
Minimum balance
$0
Paper statement fee
$5
E-statements
FREE
Official checks fee
$10
FREE
online banking, bill payment, debit card, mobile banking, mobile deposits, notary services, and financial planning with our wealth management team
online banking, bill payment, debit card, mobile banking, mobile deposits, notary services, and financial planning with our wealth management team
Value Checking
Earn interest on a checking account that meets your day-to-day financial needs.
Minimum deposit to open
$100
Monthly fee
$5
Waived with $1,500 minimum daily balance in Value Checking OR minimum daily balance of $5,000 in combined deposit accounts (Checking, Savings, Money Market, CD, IRA) OR $25,000 personal loan balance
Waived with $1,500 minimum daily balance in Value Checking OR minimum daily balance of $5,000 in combined deposit accounts (Checking, Savings, Money Market, CD, IRA) OR $25,000 personal loan balance
Minimum balance
$1500 minimum daily balance
Paper statement fee
$5
E-statements
FREE
Interest bearing*
Personal checks fee
FREE
First Order – Single Basic Personal Checks
(excludes shipping & handling)
First Order – Single Basic Personal Checks
(excludes shipping & handling)
Official checks fee
$10
FREE
online banking, bill payment, debit card, mobile banking, mobile deposits, notary services, and financial planning with our wealth management team
online banking, bill payment, debit card, mobile banking, mobile deposits, notary services, and financial planning with our wealth management team
*Variable Rate; Interest compounded daily & credited to account monthly
Carolina Checking
Have it all! With Carolina Checking, you get the benefits of both an investment account and a premium checking account.
Minimum deposit to open
$100
Monthly fee
$15
Waived with $3,000 minimum daily balance in Carolina Checking OR minimum daily balance of $15,000 in combined deposit accounts (Checking, Savings, Money Market, CD, IRA) OR $50,000 personal loan balance
Waived with $3,000 minimum daily balance in Carolina Checking OR minimum daily balance of $15,000 in combined deposit accounts (Checking, Savings, Money Market, CD, IRA) OR $50,000 personal loan balance
Minimum balance
$3000 minimum daily balance
Paper statement fee
FREE
E-statements
FREE
Interest bearing*
Personal checks fee
FREE
Single Basic Personal Checks
(or 25% discount on other products; excludes shipping & handling)
Single Basic Personal Checks
(or 25% discount on other products; excludes shipping & handling)
Official checks fee
FREE
Safe deposit box fee
FREE
3x5 safe deposit box
(or $30 credit toward larger box)
3x5 safe deposit box
(or $30 credit toward larger box)
FREE
online banking, bill payment, debit card, mobile banking, mobile deposits, notary services, and financial planning with our wealth management team
online banking, bill payment, debit card, mobile banking, mobile deposits, notary services, and financial planning with our wealth management team
*Tiered Variable Rate; Interest compounded daily & credited to account monthly
Running low on checks?
You can reorder through our provider, Main Street, without visiting a branch!
Additional Benefits:
- Wire Transfers
- Standby Letters of Credit
- Automatic Clearing House (ACH) Services
- Official Checks
- Gift Cards
- Safe Deposit Boxes
- Phone Transfers
- Bank by Mail
