Personal Banking Products
Free Checking1:
With a non-interest bearing checking
account, you will receive a FREE debit card, FREE online banking
and online bill payment with FREE ATM withdrawals at our
locations. There is no minimum balance required and no monthly
fee.
Interest Checking:
Earn interest on your money in our interest
checking account. There is no monthly fee if you maintain the
minimum balance in this account or $1,000 daily
balance in a Regular Savings.
Gold Checking:
This account is a great way to
have it all. With the gold account, you get the benefits of both
an investment account and a premium checking account. You
can earn full market rates on your checking account, depending
on the size of your balance. You will also receive free standard
checks or $6.00 credit toward other styles, free American Express
checks, Official Checks, telephone transfers and free small safe
deposit box.
Regular Savings:
Enjoy the security of a basic savings account.
Earn a competitive interest rate on your savings account, with
unlimited withdrawals and no monthly fee if you maintain the
required minimum balance.
Minor Savings:
A great way to start a savings account for your
children. A low opening balance, no minimum balance required
and no monthly fee. Plus, the account earns interest on the
money deposited into this account.
Money Market Account:
Your Money Market Account pays competitive interest rates based on the balances you keep in the account. With this account, the interest rate is tiered so as your balance grows, the higher the interest you receive. Six (6) withdrawals per statement cycle and a minimum daily balance assure you no monthly fees. For more convenience, you will receive check and debit card access to your funds.
Premium Money Market:
The interest rate tiers are priced for the higher balances in your account. Requiring a $10,000 opening deposit, you also receive the same convenient access to your account with checks and a debit card. Six (6) withdrawals are allowed per statement cycle and maintaining the stated minimum daily balance ensures you no monthly fees.
CD/IRA:
There are a variety of Certificates of Deposit and
Individual Retirement Accounts available to suit your financial
goals. Competitive rates with flexible terms are always available.
This is an excellent way to save for your family's future and your
retirement.
Credit Cards:
MasterCard and Visa credit cards make buying
anything quick and easy. We offer several cards for your
convenience, including no annual fee and earning reward miles
on your air travel.
Consumer Loans:
Buying a new car? Financing a college
education? Need a short term loan? Our loan programs are
flexible and offer varying repayment programs.
Real Estate Loans:
Buying a home can be a complicated
process, but we can take away one worry by helping with your
loan. Talk to us today about our variety of real estate loan options.
Equity Lines:
This line of credit offers competitive interest rates;
plus your interest may be tax deductible. Equity lines may be the
prefect solution for re-decorating, home improvements, college
education, purchasing an automobile and more. Consult your tax
advisor regarding deductibility of interest.
Mortgage Financing:
The clout of a national lender and the
personal service of a hometown bank. We bring the benefit of
both. You will receive the sensitive attention you'd expect from
a local mortgage lender, along with competitive rates and terms
you'd expect from a national lender. We offer a full mortgage
product line including conventional fixed rate, adjustable rate,
FHA and JUMBO mortgage loans.
Personal Reserve/Personal Reserve Plus:
Prevent an
overdrawn checking account and enjoy the security of
having a line of credit if you need it. See our customer service
representative or loan officer for details.
24 Hour ATM Card:
Enjoy the ability to withdraw or transfer
funds from your deposit account anytime. You will receive your
card at account opening and it will be available for use within 24
hours.
Debit Card:
For even more convenience, we offer our First
Carolina State Bank Debit Card. This card looks like a credit card
but works like a check. Plus, your Debit Card also serves as your
24-hour banking card.
Online Bill Pay:
Now you can access your account online day
or night. Pay bills, balance your accounts and transfer funds from
your computer at home or work. Enjoy all the full service features
from your community bank combined with convenience.
Voice Response 24/7:
By calling 866.939.7979 and entering
access code 601, you will have 24 hour access to your account
information. At no charge, you can review account balances, verify
checks and deposits, and transfer funds between your accounts at our bank.
1Other fees may apply. See account disclosure for details.
* subject to credit approval