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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 no monthly fee if you maintain the required minimum daily balance of $200. With a $2,500 minimum daily balance; ATM Transfers, withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

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, 3 of which can be checks 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, 3 of which can be checks 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 Reidsville Community Bank, a division of 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 1-866-939-7979 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 deposit, and transfer funds between your accounts at our bank.