CHECKING ACCOUNTS
MONEY MARKET ACCOUNTS
SAVINGS ACCOUNTS
CERTIFICATES OF DEPOSIT
LENDING
ELECTRONIC BANKING
IRAs


Account Types And Services

Smart Choice Checking
Minimum Balance: None
Minimum To Open: $100
Interest Bearing: No
Monthly Charge: None
Check Writing: Unlimited
Special Features: 
  • Visa® Check Card (subject to approval).
  • 3 Free ATM withdrawals per month, then $2 each.

 
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, excluding shipping and handling.
  • Visa® Check Card (subject to approval).
  • Free ATM withdrawals - anytime, anywhere.

*Lowest balance in cycle determines monthly interest rate.

Click here for current rates!


 
Regular Checking
Minimum Balance: None
Minimum To Open: $100
Interest Bearing: No
Monthly Charge: $9.95 per month
Check Writing: Unlimited
Special Features: 
  • Visa® Check Card (subject to approval).
  • Free ATM withdrawals - anytime, anywhere.

 
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!
 
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, excluding shipping and handling.
  • $10 Safe Deposit Box discount per year (subject to availability).    
  • Four (4) free official bank checks per month.
  • Free Visa® Check Card (subject to approval).

Click here for current rates!

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.


 
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, excluding shipping and handling.
  • $10 Safe Deposit Box discount per year (subject to availability).    
  • Four (4) free official bank checks.
  • Visa® Check Card (subject to approval).
  • Customer must be 49 years or older.


Click here for current rates!