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 checking and savings account for you!

Each option includes a free ATM or debit card, free eDocs, surcharge-free ATM withdrawals through MoneyPass® and checking accounts include your first order of BNC wallet style checks (you pay shipping and tax).

Basic Checking *^{Our most popular account with all the services you need.}*	No Overdraft Checking *^{A simple checking account with no overdraft fees.}*	Premium Checking Get more benefits and save money on account services.	Premium Money Market ^{Earn more as your} ^{balances grow.}	Basic Savings ^{Get started on your} ^{savings path.}
Minimum to Open
$50	$25	$50	$1,000	$100
Monthly Statements
eStatement	eStatement	Paper or eStatement	eStatement	eStatement
Monthly Fee
$0	$5 monthly fee* is waived if your account has: 1 ACH credit per month or 1 ACH debit per month	$10 monthly fee is waived if your account has: 1 ACH credit per month or 1 ACH debit per month AND $1,000+ average daily balance in BNC Checking OR $5,000+ average daily balance in other BNC qualifying accounts**	$10 monthly fee is waived if your account has: $1,000+ average daily balance	$1 monthly fee* is waived if your account has: $100+ average daily balance
Online/Mobile Banking
Yes Includes Bill Pay & Mobile Deposit	Yes Includes Bill Pay & Mobile Deposit	Yes Includes Bill Pay & Mobile Deposit	Yes Includes Bill Pay & Mobile Deposit	Yes
Interest
No	No	Yes	Yes Earn higher interest based on balances	Yes
Bounce Protection
Yes $300 to help with short-term cash needs	No	Yes $500 to help with short-term cash needs	No	No
Other Features
	No overdraft fees *monthly fee is waived for customers 23 and younger	No fee for Cashier’s Checks No fee for Incoming and Outgoing Domestic Wires *BNC qualifying accounts includes loan and deposit accounts of the same ownership (excludes Wealth* Management)	6 free withdrawals per month	6 free withdrawals per month *monthly fee is waived for customers 23 and younger
Open An Account	Open An Account	Open An Account	Open An Account	Open An Account

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.

Your Spending

Find the right checking and savings account for you!

Basic Checking

No Overdraft Checking

Premium Checking

Premium Money Market

Basic Savings

Customize your banking

eDocs

Debit Cards

Online & Mobile Banking

Bill Pay

Bounce Protection

Order Checks

Mobile Deposit

Mobile Wallet

Credit Cards

Let Us Help You

Mobile Deposit.

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