C+ MyBankTracker Rating

Bank of North Carolina

About Bank of North Carolina

Bank of North Carolina is a $3.1 billion commercial bank providing a complete line of banking and financial services to individuals and businesses through full-service banking offices located throughout North and South Carolina. Bank of North Carolina is insured by the FDIC and is an equal housing lender. BNC Bancorp is the parent company of Bank of North Carolina. BNC Bancorp's stock is quoted in the NASDAQ Capital Market under the symbol "BNCN."

Bank of North Carolina logo

MyBankTracker rated based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank. See how it’s rated.

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Customer Reviews

Most Helpful Bank of North Carolina Bank Customer Reviews

  • GC
    Reviewed By Greg C. May 10, 2013

    Unbelievably Awful!

    I opened this account so I would have a local brick and mortar bank. Big Mistake. This bank charges you $3 dollars for and outbound ACH! ACH's are a free service! They are crooked. You are also charged $20 dollars for closing your account before 90 days. When I questioned this bank about why they are charging $3 dollars for a free service they justified it by saying this:

    "We researched other banks before determining our fee for Bank2Bank transfers; we feel that we implemented a very reasonable and competitive fee. The time and expense Bank2Bank transfers save are certainly worth the fee. Keep in mind the fee is only for Outgoing Transfers."

    ACH is a fee service. Avoid this one horse bank..

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  • MB
    Reviewed By Mahaley B. Oct 8, 2013

    Horrible

    I used to love Bank of North Carolina. But the longer you are with them the more they screw you and it becomes painful. Totally free checking is a lie. It is not free, because they charge you a fee, even if you go over a little, and have direct deposit coming in the next day. They tell you one thing and then do another, and then change it again and again. Half of the people (not the Salisbury store by itself) don't know what they are talking about, then when the customer gets a fee and ask why because they told you it would be ok, they change the story to cover there butts. and it is so wrong. I love the new bank I am at, I don't get charged for nothing as long as I have Direct Deposit.(because they know they will get there money as long as there is a direct deposit). When you call the Manager at BNC he just sends you back to the people who don't know what they are doing. The whole bank is wishy washy. Just be warned. They are fine for a while, you will see no fees or anything. then after about 6 months to a year you will start seeing them, like 400.00 in fees or more. Totally free my butt! The salisbury store has a few people who are honest and just there for a job. But the company as a whole is horrible

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  • Type Fee National Average
  • Monthly Inactivity N/A
  • Non-Sufficient Fund (Overdraft) N/A 0
  • Stop Payment item N/A 0
  • Return Deposit N/A 0
  • Domestic Wire Transfer (Outbound) N/A 0
  • Domestic Wire Transfer (Inbound) N/A 0
  • Non-Bank ATM N/A