Account Types And Services

Commerical Interest Checking
Minimum Balance: None
Minimum To Open: None
Interest Bearing: Yes
Monthly Charge: Account Analysis is based on services used.
Statement Imaging: Free
Check Writing: Unlimited
 
Smart Business Checking
Minimum Balance: None
Minimum To Open: None
Interest Bearing: No
Monthly Charge: 300 free transactions per month*
Statement Imaging: Free
Check Writing: Limited
Special Features: *Transactions limited to 300 items or fewer per month (includes checks, deposits, and items deposited). All items processed above 300, $25 month and $.40 per item.
 
Commercial Checking
Minimum Balance: None
Interest Bearing: No
Monthly Charge: Account Analysis is based on balances. See below.
Statement Imaging: Free
Check Writing: Unlimited

Special Features: 

Brochure

Commercial Checking Account Activity Charges

  • Checks/Debits posted = .19
  • Deposits/Credits posted = .55
  • All other items deposited = .11
  • FDIC Insurance (per $1,000 of month ledger balance) = .10
  • Account maintenance (per month) = 19.95 Credit rate: As posted on average positive available balance less reserve requirements.
  • Overdraft = Carolina Bank Prime + 4.00%
 
Non-Profit Checking
Minimum Balance: None
Interest Bearing: Yes
Monthly Charge: 300 free transactions per month*
Statement Imaging: Free
Check Writing: Limited

Special Features: 

Brochure

*Transactions limited to 300 items or fewer per month (includes checks, deposits, and items deposited). All items processed above 300, $25 month and $.40 per item. **Coin and Currency charge $1.00 per $1,000.00.