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A Comprehensive Guide to Choosing the Best North Carolina Banks & the Best Bank Rates

Introduction:

When it comes to managing your finances effectively, finding the right bank is crucial. Whether you're a resident of North Carolina or planning to move to the Tar Heel State, this guide will help you navigate the financial landscape and make an informed decision. We'll explore the key factors to consider when choosing a bank in North Carolina, as well as highlight some of the best bank rates available in the state. Let's dive in!

Determine Your Banking Needs:

Before selecting a bank, it's essential to assess your individual banking needs. Consider factors such as whether you prefer a brick-and-mortar branch or online banking, the types of accounts you require (checking, savings, or both), your average balance, and the frequency of transactions. Understanding your needs will help you narrow down the options and find a bank that aligns with your requirements.

Should I bank locally?
Research Banks in North Carolina:

North Carolina offers a diverse range of banking options, including both local and national institutions. Start by researching banks operating within the state, paying attention to their reputation, stability, and the range of services they offer. Look for established banks with a strong presence and positive customer reviews. Prominent national banks like Bank of America, Wells Fargo, and BB&T (now Truist) have branches throughout North Carolina, offering extensive services and convenient access.

Consider Community Banks and Credit Unions:

While large national banks are prevalent, don't overlook the benefits of community banks and credit unions. These institutions often focus on personalized service, community involvement, and competitive rates. North Carolina has a significant number of community banks and credit unions, such as First Citizens Bank, Coastal Credit Union, and State Employees' Credit Union. Explore their offerings, account options, and customer satisfaction levels.

Evaluate Fees and Account Requirements:

Banks differ in their fee structures and account requirements, which can significantly impact your banking experience. Look for banks that offer low or no monthly maintenance fees, reasonable overdraft charges, and transparent fee disclosures. Some institutions waive fees if you meet specific criteria, such as maintaining a minimum balance or setting up direct deposit. Assess these factors carefully to avoid unnecessary expenses.

Analyze Interest Rates and Benefits:

One of the primary considerations when choosing a bank is the interest rates they offer. Compare the interest rates for both checking and savings accounts across different banks. While interest rates may vary, it's important to find a bank that offers competitive rates to help your money grow over time. Additionally, consider other benefits such as rewards programs, cashback offers, or ATM fee reimbursements, as they can enhance your banking experience.

Explore Online and Mobile Banking Services:

In today's digital age, online and mobile banking services have become integral to convenient financial management. Ensure that the bank you choose provides robust online and mobile platforms with features like mobile check deposit, bill pay, fund transfers, and real-time balance updates. User-friendly interfaces and reliable customer support are also important aspects to consider.

Review Customer Service and Support:

Reliable customer service is vital in banking. Look for banks that offer excellent customer support through multiple channels, such as phone, email, or live chat. Prompt and efficient customer service can save you valuable time and provide peace of mind when resolving any issues or concerns.

Conclusion:

Selecting the best bank in North Carolina involves careful consideration of your banking needs, researching various options, and evaluating factors like fees, interest rates, services, and customer support. Take your time, compare different banks, and read customer reviews to make an informed decision. Remember, the right bank should align with your financial goals, offer competitive rates, and provide a seamless banking experience. By following these guidelines, you'll be well on your way to finding the best North Carolina bank for your needs.

Conclusion:

Selecting the best bank in North Carolina involves careful consideration of your banking needs, researching various options, and evaluating factors like fees, interest rates, services, and customer support. Take your time, compare different banks, and read customer reviews to make an informed decision. Remember, the right bank should align with your financial goals, offer competitive rates, and provide a seamless banking experience. By following these guidelines, you'll be well on your way to finding the best North Carolina bank for your needs.

First Bank Locations


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Show all 121 domestic offices, branches & locations

IDBranch NameBranch Address
1
001 ROBBINS
108 N Middleton St, Robbins NC 27325
2
002 DENTON
17948 S Nc Highway 109, Denton NC 27239
3
003 BISCOE
104 National Dr, Biscoe NC 27209
4
004 SEVEN LAKES
102 Lakeway Drive, West End NC 27376
5
005 TROY MONTGOMERY SQUARE
1040 Albemarle Rd, Troy NC 27371
6
007 Pinehurst Branch
5 Blake Blvd, Pinehurst NC 28374
7
008 BENNETT
3948 Chatham St, Bennett NC 27208
8
010 LOCUST
114 Main St W, Locust NC 28097
9
011 ALBEMARLE EASTGATE
1910 E Main St, Albemarle NC 28001
10
012 ALBEMARLE HIGHWAY 52 NORTH
2317 Us 52 N, Albemarle NC 28001
11
013 RICHFIELD
135 N Highway 49, Richfield NC 28137
12
014 MOUNT PLEASANT
8252 Nc Highway 49 N, Mount Pleasant NC 28124
13
016 KANNAPOLIS
421 S Main St, Kannapolis NC 28081
14
017 Charlotte Branch
4201 Congress St, Charlotte NC 28209
15
023 VASS
100 Bank Street, Vass NC 28394
16
024 CARTHAGE
109 Monroe St, Carthage NC 28327
17
027 Asheboro Branch
335 S Fayetteville St, Asheboro NC 27203
18
028 ABERDEEN
105 S Sandhills Blvd, Aberdeen NC 28315
19
029 LAURINBURG
601 S Main St, Laurinburg NC 28352
20
030 High Point-Main Branch
1200 N Main St, High Point NC 27262
21
030 High Point-Pennybyrn Branch
109 Penny Rd, High Point NC 27260
22
031 BROADWAY
229 N Main St, Broadway NC 27505
23
032 ARCHDALE
11410 N Main St, Archdale NC 27263
24
034 ROCKINGHAM
1254 E Broad Ave, Rockingham NC 28379
25
035 SEAGROVE
121 W Main St, Seagrove NC 27341
26
036 SANFORD
1333 Plaza Blvd, Sanford NC 27330
27
037 LILLINGTON
1000 S Main St, Lillington NC 27546
28
038 SANFORD SO. HORNER
2630 S Horner Blvd, Sanford NC 27332
29
042 ANGIER
415 N Raleigh St, Angier NC 27501
30
043 PITTSBORO
18 Chatham Corners Dr, Pittsboro NC 27312


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Data by FIDC (The Federal Deposit Insurance Corporation), report date: 2023-06-30

Daily Best Banks' CD Rates

Program
Rate
Bank
1 Yr
4.52%
TAB Bank: 4.52%, Min. deposit to open $1,000
1 Yr
4.50%
Popular Direct: 4.50%, Min. deposit to open $10,000
1 Yr
4.40%
Limelight Bank: 4.40%, Min. deposit to open $1,000
1 Yr
4.40%
Live Oak Bank: 4.40%, Min. deposit to open $2,500
1 Yr
4.25%
Marcus by Goldman Sachs: 4.25%, Min. deposit to open $500
1 Yr
4.25%
Bank5 Connect: 4.25%, Min. deposit to open $500
1 Yr
4.25%
Bask Bank: 4.25%, Min. deposit to open $1,000
1 Yr
4.21%
CIBC Bank USA: 4.21%, Min. deposit to open $1,000
1 Yr
4.20%
First Internet Bank of Indiana: 4.20%, Min. deposit to open $1,000
1 Yr
4.15%
Barclays Bank: 4.15%, Min. deposit to open $0

*CD Rates are subject to change without notice and may vary from bank to bank and branch to branch. Please contact your local bank for updated bank CD rates.