Your Spending

Your life is busy enough as it is. We make managing your money easy.

Young couple on a patio, enjoying coffee on an autumn day with friends.

Find the right account for you!

Checking accounts designed with your financial needs in mind.

Really Free

Checking

Elite Free

Interest Checking

Direct Free

Interest Checking

Premier

Interest Checking

Free for everyone!

Free for customers 50 and over!

Free for customers with direct deposit or any automatic payment!

For customers seeking a higher interest rate!

No minimum balance
No monthly service charge

Competitive interest rate
No minimum balance
No monthly service charge
Free return of check images

Competitive interest rate
No minimum balance
No monthly service charge
Free return of check images

Higher interest rate with an average daily balance of $1,500 or more
Competitive interest rate if average daily balance falls below $1,500
Only $6 monthly charge if average daily balance falls below $1,500
Free return of check images

All accounts include:

A free debit card, first order of BNC wallet style checks (customers pay shipping and tax), free online banking, free bill pay, free eDocs, and a free easy-to-balance monthly statement. Minimum opening deposit is only $50.

Protect your accounts & identity from fraud by reducing paper mail. With eDocs we email you a notification when your account statements and notices are ready. You simply log in to your Online Banking to view, print or download your account statements and notices.

Enable the following eDocs in Online Banking today:

Debit Cards

Debit cards give you convenient access to your money when you are on the go. And, your ATM withdrawals are surcharge-free through MoneyPass ATMs!

Making it easier to manage your accounts with convenience and security.

With Online & Mobile Banking, you can easily:

Organize and personalize your account dashboard consistently across all devices.
Chat with us in real-time during business hours.
Use enhanced security with two-factor authentication.
Control when, where, and how your debit card is used.

Learn More

Bill Pay

Save stamps and time by using Bill Pay to make one-time and recurring payments. Your payment history is readily accessible when you need it.

Bounce Protection

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be costly, inconvenient and potentially embarrassing experience. At BNC National Bank, we do not encourage overdrafts. To avoid fees, we encourage you to manage your finances responsibly by keeping track of your account balance and reconciling it regularly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That's why we provide Bounce Protection, a special overdraft service for BNC National Bank's customers.

Mobile Deposit allows you to deposit checks using your BNC Mobile App. Simply take a picture of the front and back of your endorsed check, and then submit for deposit to your approved BNC National Bank checking, savings, or money market account.

You can enjoy all the benefits of your BNC National Bank debit card using a Mobile Wallet! For added security, your real card number is never stored in a Mobile Wallet - instead, your card and transactions made using your card from the Mobile Wallet are tokenized.

Choosing the right credit card is easier than ever. Whether you want to pay
down balances faster, maximize cash back, earn rewards or begin building
your credit history, we have the ideal card for you!
No matter which card you choose, you'll enjoy important features like:

Convenient and Flexible Purchasing Power. Accepted at millions of
locations worldwide.
Mobile purchasing capability for added convenience.
Zero Fraud Liability.* You won’t be liable for fraudulent purchases
when your card is lost or stolen.
Cardmember Service available 24 hours a day/365 days per year.
Plus much more!

Learn more about Credit Cards

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Talk with us!

Your Spending

Find the right account for you!

Really Free

Checking

Elite Free

Interest Checking

Direct Free

Interest Checking

Premier

Interest Checking

All accounts include:

Customize your banking

eDocs

Debit Cards

Online & Mobile Banking

Bill Pay

Bounce Protection

Mobile Deposit

Mobile Wallet

Credit Cards

Let Us Help You

Mobile Deposit.

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