Search / Checking accounts by state / North Carolina Low-cost checking accounts in North Carolina There are 38 Bank On certified checking accounts available to residents of North Carolina. Of those, 25 carry a $0 monthly maintenance fee and 37 charge no overdraft fees at all. 12 come from local or regional institutions rooted in North Carolina, while 26 are offered by national banks serving customers across the country.
Certified accounts 38
$0 monthly fee 25
No overdraft fees 37
Local institutions 12 Piedmont Federal
Savings Bank PF Boost Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Bank of America
SafeBalance Banking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees Yes
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Alliant Credit Union
High-Rate Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 80,000+ Alliant Credit Union
Teen Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 80,000+ Ally Bank
Spending Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 75,000+ Ameris Bank
Opportunity Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Quorum Federal Credit Union
QFlex Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. ServisFirst Bank
Simple Access Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Woodforest National Bank
WBank Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
First-Citizens Bank and Trust
Sure Advantage Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Bank OZK
Freedom Advantage Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Excite Credit Union
Bank On Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
First National Bank
eStyle Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Farmers & Merchants Bank
(F&M Bank) Access Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
First Community Bank
Community Connect Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. LifeStore Bank Progress
Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Movement Bank Anywhere
Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. North State Bank
Beyond Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Discover Bank
Cashback Debit Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Chase
Secure Banking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 14,000+ First Horizon Bank
Access Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
LendingClub
Level Up Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs -1+ nbkc bank
Everything Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 90,000+ Park National Bank
Safe Start Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $25
Overdraft fees None
Free ATMs Park ATM TD Bank TD
Essential Banking Online bill pay Mobile check deposit Debit card
Monthly fee $4.95
To open $0
Overdraft fees None
Free ATMs TD Fifth Third Bank
Express Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs nationwide network of fee-free ATMs Self-Help Credit Union
Personal Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs Self-Help CU Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs 60,000+ Flagstar Bank
Flagstar One Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $1
Overdraft fees None
Free ATMs 56,000+ Regions Bank
Regions Now Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $10
Overdraft fees None
Free ATMs 2+ Atlantic Union Bank
PRISM Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs SUM® ATM Network Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Wells Fargo
Clear Access Banking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 10,000+ United Community Bank United
Essential Banking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs United and Publix Presto! Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 40,000+ United Bank
Essential Checking Online bill pay Mobile check deposit Debit card
Monthly fee $7.00
To open $25
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. nbkc bank
Money Market Account Online bill pay Mobile check deposit Debit card
Monthly fee $12.00
To open $0
Overdraft fees None
Free ATMs 90,000+ Next steps for North Carolina residents