Our personal checking accounts offer a variety of features and benefits and are designed to meet different lifestyles and financial needs. Choose the one that meets your personal requirements.

Carolina Banker's Club
Designed For Customers Who Want Few Limitations

• $100.00 deposit to open
• $7.00 per month club fee
• $10,000 Accidental Death Insurance Coverage
• No minimum balance required to avoid a monthly service charge 
• Personalized wallet checks at no charge
• No issue charge on Traveler's Checks
• No issue charge on three (3) Money Orders per month
• Notary Service at No charge
• Optional $500 Overdraft Privilege after 30 day qualification period 

Budget Checking 
For Value Conscious Customers

• $100.00 deposit to open
• No Maintenance Fee or Check Charge Fee regardless of balance
• Automatic $500 Overdraft Privilege after 30 day qualification period 

Student Checking 

• $100.00 deposit to open
• Certain qualifications apply
• No check charge fee or maintenance fee regardless of balance
• Statements issued and mailed out monthly

Carolina E Checking 
Free online checking services with no withdrawal restrictions

• $100.00 deposit to open
• No check charge fee or maintenance fee regardless of balance
• Automatic issue of Visa debit card
• No Foreign ATM Network fees
• Monthly E-Statement Required
• Transfer funds, check balances, pay bills online at no cost
• Optional $500 Overdraft Privilege after 30 day qualification period

Direct Deposit  Account
Security Combined With Limited Check Needs

• No minimum deposit to open. Direct Deposit can be opening deposit
• A maintenance fee of $3.00 will be charged each statement cycle
• Withdrawals are limited to over-the-counter withdrawals - No checks are issued on this account.
• *Allowed up to five (5) over-the-counter withdrawals

Carolina Bankers Club Plus Checking
Active Seniors Who Desire Interest, Service & Value

• $100.00 deposit to open
• No minimum balance requirement
• Personalized wallet style checks at no charge
• No issue charge on three (3) Money Orders per month
• No issued charge for Traveler's Checks (Traveler's Checks for Two excluded)
• Optional Insurance Coverage - $10,000 Accidental Death Insurance Coverage at a monthly fee of $1.00
• Notary Service - No Charge
• Optional $500 Overdraft Privilege after 30 day qualification period  

Carolina E Checking Plus
High Interest Yield Plus Total Access

• $100.00 deposit to open
• ** No Minimum Balance Required to Obtain Interest on deposits up to $20,000
• No Withdrawal Restrictions
• No check charge fee or maintenance fee regardless of balance
• Automatic issue of Visa debit card
• No Foreign ATM Network fees
• Monthly E-Statement Required
• Transfer Funds, Check Balances, Pay Bills online at no cost
• Optional $500 Overdraft Privilege after 30 day qualification period

Advantage Checking 
Higher Balances, Interest + Full Service

• $500.00 deposit to open
• No Fees charged if the balance stays at or above $500
• No transaction limitations
• Optional $500 Overdraft Privilege after 30 day qualification period 

*An excessive withdrawal fee of $.50 will be charged for withdrawals in excess of five during a statement cycle
** Transaction requirements apply