A business checking account built for steady transaction activity, helping keep frequent payments and deposits organized 

Make more from the balance you keep

Value Checking helps your business manage everyday transactions while earning more on money already in your account. With low fees and easy access, it helps the funds you keep there do more

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Your balance can earn more

Higher average balances earn higher interest rates. Maintain a $5,000 minimum average balance to waive the $10 monthly service fee.

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750 free transactions each month

The first 750 transactions each month are free, then are just $0.35 transaction each, helping you manage routine activity with confidence. 

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Online access that stays responsive

Review balances, monitor transactions, and stay informed through Business online banking, especially when account activity is consistent throughout the week.

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Up to $5,000 in free currency deposits

Deposit up to $5,000 in currency each month with no fees applied—supporting businesses that handle regular cash flow.

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Free business debit card

Access your funds easily with a business debit card provided at no cost, so everyday purchases and payments stay simple. 

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Flexible cash flow support

Pair your account with a Business Credit Card to manage expenses, smooth cash flow, and keep your operations moving forward.

Turn everyday business purchases into meaningful rewards

Your business checking account keeps things moving. Pair it with the Allegacy Visa® Business Rewards Credit Card to earn rewards on the purchases you’re already making — from office supplies to travel and everything in between.  

It’s a simple way to manage expenses, separate transactions clearly, and put your spending to work for your business. With local support and tools designed for growing North Carolina businesses, you’ll have the flexibility you need today — and the confidence to plan for what’s next. 

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Allegacy Visa Business Rewards Card
Your questions, answered

The difference typically comes down to how often payments and deposits occur. Value Checking supports accounts with higher volume transaction activity across the month, while Community Checking may fit businesses with more moderate movement. 

Yes. Value Checking can be monitored and managed through Business online banking, including balance visibility and transaction activity. 

Account details are available in the Business Fee Schedule and current rates are listed in the Deposit Rate Sheet.

Yes. As your business activity changes, your checking structure can be reviewed to better align with how funds move through your account.