| Smart Choice Checking |
| Minimum Balance: None |
| Minimum To Open: $100 |
| Interest Bearing: No |
| Monthly Charge: None |
| Check Writing: Unlimited |
Special Features:
- 1st order free Carolina Club checks.
- 2% fee American Express Travelers Cheques, $10 minimum.
- Free Visa® Check Card (subject to approval).
- 3 Free ATM withdrawals per month, then $2 each.
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| SmartBanker Checking |
| Minimum Balance: none |
| Minimum To Open: $10,000 |
| Interest Bearing: tiered* |
| Monthly Charge: none |
| Check Writing: unlimited |
Special Features:
- Free Carolina Club checks.
- Free Visa® Check Card (subject to approval).
- Free ATM withdrawals - anytime, anywhere.
*Lowest balance in cycle determines monthly interest rate.
Click here for current rates!
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| Regular Checking |
| Minimum Balance: $450.00* |
| Minimum To Open: $100 |
| Interest Bearing: No |
| Monthly Charge: $7.50/mo if balance falls below minimum |
| Check Writing: Unlimited |
Special Features:
- *Minimum balance of $450.00 or monthly average of $1,250.00 or savings balance of $750.00.
- Free Visa® Check Card (subject to approval).
- Free ATM withdrawals - anytime, anywhere.
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| Student Checking (ages 16-24) |
| Minimum Balance: None |
| Minimum To Open: $100 |
| Interest Bearing: No |
| Monthly Charge: $0.99/Mo |
| Check Writing: Unlimited |
Special Features:
- Free Visa® Check Card (subject to approval).
- Free ATM withdrawals - anytime, anywhere.
- Age between 16-24 to open.
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| SmartBanker Money Market |
| Minimum Balance: $1,000.00 |
| Minimum To Open: $1,000.00 |
| Interest Bearing: tiered |
| Monthly Charge: $12.00/mo if balance falls below $1,000.00 |
| Check Writing: Transactions in excess of legal limit, $10.00 each |
Special Features:
- Tiers are $0-$9,999.99; $10,000-$24,999.99; & $25,000 and up.
- Account balances below $1,000 will be charged $12.00 monthly fee.
Click here for current rates!
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| Club Checking |
| Minimum Balance: None |
| Minimum To Open: $100 |
| Interest Bearing: No |
| Monthly Charge: $9.95/mo. |
| Check Writing: Unlimited |
Special Features:
- Free Carolina Club checks.
- 25% discount on safe deposit box (subject to availability).
- No fee on American Express Travelers Cheques.
- Free official bank checks.
- Free Visa® Check Card (subject to approval).
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| Premier Checking |
| Minimum Balance: $2,000.00* |
| Minimum To Open: $100 |
| Interest Bearing: Yes |
| Monthly Charge: $14.95/mo. if balance falls below minimum |
| Statement Imaging: Free |
| Check Writing: Unlimited |
Special Features:
- Free Carolina Club checks; no annual fee on Visa or Mastercard (subject to credit approval).
- Free 3x5" safe deposit box (subject to availability).
- No fee on American Express Travelers Cheques.
- Free official bank checks.
- Free Visa® Check Card (subject to approval).
Click here for current rates!
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Additional Information: *No fee with $2,000 minimum balance in checking, $2,500 in regular savings, aggregate $5,000 in related deposits, $10,000 balance maintained on a Carolina Bank Home Equity Line of Credit, or $75,000 mortgage loan.
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| Platinum Checking (age 49+) |
| Minimum Balance: None |
| Minimum To Open: $100 |
| Interest Bearing: Yes |
| Monthly Charge: None |
| Statement Imaging: Available |
| Check Writing: Unlimited |
Special Features:
- Free Carolina Club checks; no annual fee on Visa or Mastercard (subject to credit approval).
- Free 3" x 5" safe deposit box (subject to availability).
- No fee on American Express Travelers Cheques.
- Free official bank checks.
- Free Visa® Check Card (subject to approval).
- Customer must be 49 years or older.
Click here for current rates!
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