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SMART Plus Checking

Features and Benefits: 
  • $100.00 deposit to open
  • Enhanced MasterCard Debit Card
  • 24/7 access to Online Banking, BillPay and Telephone Banking at no cost
  • No Foreign ATM Network fees
  • Identity Theft Protection Service and Cellular Telephone Protection Service
  • Monthly E-Statement required
  • 12-month CD interest rate 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 statement cycle
    • Access CarolinaLink at least once per statement cycle
    • Make at least 10 purchases using your MasterCard Debit Card per statement cycle (ATM withdrawals not included)
  • $2.95 Monthly Maintenance Fee
    • Fee reduced by $2.95
      • by maintaining a $5,000.00 minimum daily balance; or
      • by earning a $2.95 Relationship Credit by maintaining a $25,000 combined Average Ledger Balance in the Checking, Savings, CD and IRA accounts linked to your profile
  • Optional$500 No Bounce Banking Overdraft Privilege after 30 day qualification period
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Carolina Bank is committed to providing quick and
professional service to our customers, which is why we have a variety of ways for our customers to get in touch. Give us a call, or send us a message, we’re here to help!

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