Carolina Bank, SC
Personal Checking Accounts


Our personal checking accounts offer a variety of features and benefits and are designed to meet different lifestyles and financial needs. Choose the one that meets your personal requirements.

Carolina Banker's Club
Designed For Customers Who Want Few Limitations

• $100.00 deposit to open
• $7.00 per month club fee
• $10,000 Accidental Death Insurance Coverage
• No minimum balance required to avoid a monthly service charge 
• Personalized wallet checks at no charge
• No issue charge on Traveler's Checks (Travelers Checks for Two excluded)
• Notary Service at No charge
• Optional $500 Overdraft Privilege after 30 day qualification period 

Budget Checking 

For Value Conscious Customers

• $100.00 deposit to open
• No Maintenance Fee or Check Charge Fee regardless of balance
• Automatic $500 Overdraft Privilege after 30 day qualification period
• Monthly e-Statements provided. $3.00 paper statement fee per month if paper statement is required by customer
 

Student Checking 

• $100.00 deposit to open
• Available to full-time students only 
• No check charge fee or maintenance fee regardless of balance
• Statements issued and mailed out monthly


Direct Deposit  Account
Security Combined With Limited Check Needs

• No minimum deposit to open. Direct Deposit can be opening deposit
• A maintenance fee of $3.00 will be charged each statement cycle (monthly)
• Withdrawals are limited to over-the-counter withdrawals - No checks are issued on this account.
• *Allowed up to five (5) over-the-counter withdrawals per statement cycle


Carolina Bankers Club Plus Checking
Active Seniors Who Desire Interest, Service & Value

• $100.00 deposit to open
• One account owner must be 50 years of age or better
• No minimum balance requirement
• Personalized wallet style checks at no charge
• No issued charge for Traveler's Checks (Traveler's Checks for Two excluded)
• Optional Insurance Coverage - $10,000 Accidental Death Insurance Coverage at a monthly fee of $1.00
• Notary Service - No Charge
·  One Account Owner must be 50 years of age or better
• Optional $500 Overdraft Privilege after 30 day qualification period  


Carolina E Checking Plus
High Interest Yield Plus Total Access

• $100.00 deposit to open
• No Withdrawal Restrictions
• No check charge fee or maintenance fee regardless of balance
• Automatic issue of Visa debit card
• No Foreign ATM Network fees
• Monthly E-Statement Required
• Transfer Funds, Check Balances, Pay Bills online at no cost
• Interest paid on balances greater than $0.00 but less than $20,000.01 when 2 of the following requirements are met each statement cycle:
     > Have at least 2 ACH transactions per month
     > Access CarolinaLink at least once per month
     > Make at least 10 purchases using your debit card that posted you your account during the statement period (ATM withdrawals not included)
• Optional $500 Overdraft Privilege after 30 day qualification period  


Advantage Checking 

Higher Balances, Interest + Full Service

• $500.00 deposit to open
• No Fees charged if the balance stays at or above $500
• No transaction limitations
• Optional $500 Overdraft Privilege after 30 day qualification period 

*An excessive withdrawal fee of $.50 will be charged for withdrawals in excess of five during a statement cycle
** Transaction requirements apply
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