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Best Checking Accounts – North Carolina

First Bank strives to provide our customers with the best checking accounts in North Carolina. That is why each of our checking accounts comes with unique benefits such as free online and mobile banking, free online bill pay, and free use of our CashPoints® network.

Best Checking Accounts - North Carolina

Compare Checking Accounts from First Bank in North Carolina

First Bank strives to provide our customers with the best checking account options. That is why each of our checking accounts comes with unique benefits and features. Our checking account options include:

Everywhere Checking — our most basic account.

  • Free online and mobile banking*
  • Free online bill pay
  • Free eStatements or paper statements
  • Free use of CashPoints® network*
  • Earn rewards points when you register and use your First Bank debit or credit card*

Everywhere Plus — earn interest on the money you save.

  • Free online and mobile banking*
  • Free online bill pay
  • Free eStatements or paper statements
  • Free CashPoints® network*
  • Earn rewards with your First Bank debit or credit card*
  • Interest at a minimal balance requirement*

Everywhere Premium — enjoy premium benefits.

  • Free online and mobile banking*
  • Free online bill pay
  • Free eStatements or paper statements
  • Free CashPoints® network*
  • No transaction fees on out-of-network ATM withdrawals
  • Earn rewards when you register and use your First Bank debit or credit card*
  • Free member checks or 50% discount on alternate check designs
  • 4 free official checks per statement cycle
  • Interest at a minimal balance requirement

Campus Checking — an account specifically for students under 25.

  • No monthly maintenance fees
  • Free online and mobile banking*
  • Free online bill pay
  • Free eStatements or paper statements
  • Free CashPoints® network*
  • No First Bank transaction fees on 8 out-of-network ATM withdrawals per month
  • Earn Rewards Points at hundreds of online retailers when you use your First Bank debit or credit card

Senior Checking — for customers over 55.

  • Free online and mobile banking*
  • Free online bill pay
  • Free eStatements or paper statements
  • Free CashPoints® network*
  • Cash rewards with your First Bank debit or credit card*
  • Free basic checks or 50% off other designs

Checking Account Comparison Chart

We have an easy-to-scan checking account comparison chart to help you find the right fit account.

Why First Bank?

First Bank has evolved to meet the needs of our customers. We started out as a small bank in a small North Carolina town, helping local farmers and businessmen manage their finances. Since then we have expanded our services and clientele over three states, and we currently have over 75 locations in North Carolina alone.

Your search for the best checking accounts in North Carolina is over. Contact or visit a First Bank location near you to open an account or learn more.


While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. The First Bank Digital Banking Apps are available for select mobile and tablet devices. There is no charge from First Bank, but message and data rates may apply. Must enroll in First Bank Online Banking and download the First Bank Digital Banking App from the App Store or Google Play. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. Android and Google Play are trademarks of Google Inc. Free ATM network includes First Bank and CashPoints® terminals. Out of network terminal owners may charge a service fee. Member FDIC. Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep it Fee FreeTM section of the account summary table for their account type. Other account service fees may apply as described in the Account Services Fee Schedule available on our website at fees or at your local branch. Eligible personal deposits include checking, savings, Money Market, CD, or IRA. Eligible personal loans do not include residential mortgage loans. Direct deposit defined as external ACH credit. Transfers from other First Bank accounts or deposits made at a branch do not apply. See our Terms and Conditions for complete details on our One Rewards Program. Free ATM network includes First Bank and CashPoints® terminals. Out of network terminal owners may charge a service fee. Loans subject to credit approval.

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