Account Details

Community Checking

Making a difference in your community shouldn't cost you a fortune in banking fees. Crescent Community is a low-cost account designed to provide exceptional service to those organizations in our communities that work to improve and enhance the overall quality of life for our families and our children.

  • Minimum Deposit to Open the Account: $100
  • Minimum Daily Balance to Avoid Monthly Fee: $100
  • Interest Bearing: No
  • Monthly Service Charge: $6.00 if balance falls below minimum
  • Check Writing, Debit Card & ATM: Unlimited debit/ATM, limit 10 checks per month*
  • Online Banking and Bill Payment: Free
  • Frills: Free Courier Service* (where available)

Account Details: *Each check in excess of ten (10) is assessed a per transaction fee of $.30. Organizations must maintain a minimum daily balance of $100 during the statement cycle in a Community Checking account to avoid a $6.00 monthly service charge.

Compare to other checking accounts. Open a Community Checking account today. Call or stop by your neighborhood location.

Business Checking

Maintain compensating balances and reduce fees with a Crescent Business Account.

  • Minimum Deposit to Open the Account: $200
  • Minimum Daily Balance to Avoid Monthly Fee: N/A Account is analyzed
  • Interest Bearing: No
  • Monthly Service Charge: Determined through account analysis
  • Check Writing, Debit Card & ATM: Unlimited
  • Online Banking and Bill Payment: Free
  • Deposits: Unlimited
  • Frills: Free courier service*; Earnings allowance to offset maintenance fee and analysis charges

Account Details: An earnings credit based on the 90-day Treasury Bill rate less 75 basis points is applied to the collected account balance to help offset maintenance and activity charges.

Compare to other checking accounts. Open a Business Checking account today. Call or stop by your neighborhood location.

Small Business Checking

Small businesses need all help they can get. That is why Crescent State Bank has an account to fit your unique needs.

  • Minimum Deposit to Open the Account: $200
  • Minimum Daily Balance to Avoid Monthly Fee: $2,000
  • Interest Bearing: No
  • Monthly Service Charge: $8.00
  • Check Writing, Debit Card & ATM: Unlimited Debit/ATM, Limit 40 checks/month
  • Online Banking and Bill Payment: Free
  • Deposits: 25 deposits per month that include 75 deposited items
  • Frills: Free courier service*

Account Details: *Small businesses are permitted 25 deposits, 75 deposited items and 50 checks per month without being assessed transaction fees. All items in excess of these limits are assessed a $.30 per item fee. Accounts that maintain a $2,000 minimum daily balance during the statement cycle avoid an $8.00 monthly service charge. Account analysis charges do not apply to Small Business Accounts.

Compare to other checking accounts. Open a Small Business Checking account today. Call or stop by your neighborhood location.

Business Interest Checking

Our interest-bearing, business checking account isavailable for sole proprietorships and not-for-profit corporations. Maintain the minimum daily balance and the monthly service charge is waived.

  • Minimum Deposit to Open the Account: $200
  • Minimum Daily Balance to Avoid Monthly Fee: $2,000
  • Interest Bearing: Yes
  • Monthly Service Charge: $12.00
  • Check Writing, Debit Card & ATM: Unlimited
  • Online Banking and Bill Payment: Free
  • Deposits: Unlimited
  • Frills: Free courier service*

Account Details: Accounts that maintain a $2,000 minimum daily balance during the statement cycle earn a competitive rate of interest on account balances. Available only to sole proprietorships and not-for-profit corporations.

Compare to other checking accounts. Open a Business Interest Checking account today. Call or stop by your neighborhood location.

IOLTA

An IOLTA account from Crescent State Bank is a free account that allows lawyers who administer client funds an opportunity to earn interest on their IOLTA Checking account, with no minimum balance requirement.

  • Minimum Deposit to Open the Account: $200
  • Minimum Daily Balance to Avoid Fees: N/A
  • Interest Bearing: Yes
  • Monthly Service Charge: N/A
  • Check Writing: Unlimited
  • Online Banking and Bill Payment: Free
  • Deposits: Unlimited
  • Frills: Free courier service*, Interest paid directly to the NC Bar Assoc.

Compare to other checking accounts. Open a IOLTA account today. Call or stop by your neighborhood location.

Business Trust Checking

Designed for businesses that regularly handle trust funds, this account features free incoming ACH transactions, wire transfers, statement and check copies and cashiers checks.

Compare to other checking accounts. Open a Business Trust Checking account today. Call or stop by your neighborhood location.

Business Escrow

This interest bearing account is for businesses that manage real estate escrow funds.

Compare to other checking accounts. Open a Business Escrow account today. Call or stop by your neighborhood location.

Commercial Sweep Account

Put your hard-earned money to work for you. With Crescent State Bank's Commercial Sweep account, excess funds in your commercial checking account are automatically swept into a Business Reserve account. A target balance is established (the minimum threshold or the amount necessary to offset maintenance and activity charges) and funds are swept into and out of the host account as needed.

Compare to other checking accounts. Open a Commercial Sweep account today. Call or stop by your neighborhood location.



*Courier service available in limited areas