Explore Your Personal Checking

We make money management for personal spending easy.

Find the account that meets your needs.

Basic Checking

Our most popular account with all the services you need.


No Overdraft Checking

A simple checking account with no overdraft fees.

  • Online & Mobile Banking
  • Bill Pay 
  • Mobile Deposit
  • eDocs
  • Debit Card
  • No Overdrafts Permitted
  • No Minimum Daily Balance
  • Endorsed by BankOn
Premium Checking

Get more benefits and save money on account services.

Open now
  • Online & Mobile Banking
  • Bill Pay 
  • Mobile Deposit
  • eDocs
  • Debit Card
  • Earns Interest
  • Bounce Protection
  • No Fee Cashier's Checks
  • No Fee Domestic Wires
  • No Minimum Daily Balance











 Basic Checking No Overdraft Checking Premium Checking
Online and mobile banking ✓ ✓ ✓
Mobile deposit ✓ ✓ ✓
Bill pay ✓ ✓ ✓
Monthly statement eStatement eStatement  eStatement or paper statement
Phone banking ✓ ✓ ✓
Debit card ✓ ✓ ✓
Earns interest

✓
Bounce protection $3001
$5001
Other features
No overdraft fees2
No fee for Cashier's Checks
No fee for Domestic Wires
Service charge $0 
$5 monthly service charge3 if account does not have:
  • 1 ACH credit per month or
  • 1 ACH debit per month
$10 monthly service charge if account does not have:
  • 1 ACH credit or debit per month and
  • $1,000 average daily balance in a BNC Checking or $5,000 average daily balance in other BNC qualifying accounts4
Opening deposit $50 $25 $50
1 Account must be opened for 60 days and have 2 credits to be eligible for Bounce Protection
2 No overdrafts permitted
3 Monthly service charge is waived for customers 23 and younger
4 BNC qualifying accounts includes loan and deposit accounts of the same ownership (excludes Wealth Management accounts)
surcharge-free ATM withdrawals with MoneyPass®
With our debit cards, take advantage of more than 25,000 surcharge-free ATMs nationwide through MoneyPass. 



Bounce Protection

Get discretionary overdraft protection when you need it most. Avoid merchant fees and damage to your credit thanks to BNC National Bank's special overdraft service. See our checking account types listed above to see which ones have offer Bounce Protection.

Learn more

Order Checks

If you're already an account holder, ordering new checks is easy.

Order checks























Access local branch locations and hours.

Locate BNC National Bank branches in your area. Contact the branch or schedule a visit with our telephone and address directory.

View Branch & Location Hours

Meet our team of professionals.

Learn more about our company history and mission here at BNC National Bank and get to know our talented team of bankers ready and willing to assist you.

Meet The Team

Personal banking made easy.