Business Checking Menu

To report a lost or stolen Visa Check Card during normal business hours, call your local branch office. After normal business hours, call (800) 523-4175.

Small Business Center Business Checking Accounts

Business Solutions

Business Solutions is our premier checking package for business owners. With Business Solutions you have access to a full range of free and discounted banking services that will save you and your business time and money.

Service Features

  • Open with as little as $100
  • Complimentary first order of checks (up to $100)
  • One, no-fee Business Savings Account or Business Money Market Savings Account
  • Business Internet Banking with unlimited BillPay at no charge
  • No-fee Visa┬« Business Debit Card with ScoreCard Bonus Points rewards
  • 3 X 5 Safe Deposit Box at no charge or credit toward a larger box (subject to availability)
  • E-mail statements at no charge
  • One Visa Business Credit Card with ScoreCard Bonus Points Rewards and no annual fee (Normal credit approval applies.)
  • One personal 1912 Charter Club Account is provided for each business owner with no monthly fees
  • Financial Services offered through Lincoln Financial Securities Corporation:
    • Insurance Services
    • No-cost custom business retirement plan design and implementation
    • No-cost annual review of retirement and investment accounts
    • Quarterly investment newsletter
    • No-cost financial planning

NOTE: Investments and advisory services offered through registered representatives of Lincoln Financial Securities Corporation, Member SIPC. Insurance offered through Lincoln affiliates, Four Oaks Financial Services, The Carolinas Financial Network and other fine companies. Non-deposit investment products are not deposits and are not federally (FDIC) insured, involve investment risk, may lose value, and are not obligations of (or guaranteed by) Four Oaks Bank & Trust Company. Four Oaks Financial Services and Four Oaks Bank & Trust Company and Lincoln Financial Securities Corporation are separate entities.

  • Conduct up to 250 combined checks, deposits, or items deposited per month at no charge
  • Per item charge of $.40 for each transaction item over 250 each month
  • Monthly maintenance fee of $12
  • Maintain a minimum daily balance of $1,000 to avoid monthly maintenance fee

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Small Business Interest Checking

Small Business Interest Checking pays interest on your checking funds.

Service Benefits

  • $100 minimum opening deposit
  • $12 monthly maintenance fee
  • Maintain $3,500 minimum daily balance in the account to avoid maintenance fees
  • Conduct up to 250 combined checks, deposits, or items deposited per month at no charge
  • Per item charge of $.40 for each transaction item over 250 each month

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Free Business Checking

If your transaction volume is low, then Free Business Checking can save you money.

Service Benefits

  • $100 minimum opening deposit
  • No monthly maintenance fee
  • No minimum daily balance
  • Conduct up to 150 combined checks, deposits, or items deposited per month at no charge
  • Per item charge of $.40 for each transaction item over 150 each month

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Commercial Checking

Account Analysis
Each statement cycle, service charges are calculated by an analysis of account balances and account activity. There is no service charge on the account if the earnings allowance equals or exceeds activity charges; however, if activity charges exceed earnings allowance, the service charge is equal to the difference.

Service Features

  • $100.00 minimum opening deposit
  • $16.00 monthly maintenance fee
  • $.18 per item paid
  • $.50 per deposit
  • $.085 per check deposited

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Commercial Interest Checking

Account Analysis

Each statement cycle, service charges are calculated by an analysis of account balances and account activity. There is no service charge on the account if the earnings allowance, less interest paid, equals or exceeds activity charges; however, if activity charges exceed earnings allowance, less interest paid, the service charge is equal to the difference.

Service Features

  • $100.00 minimum opening deposit
  • $16.00 monthly maintenance fee
  • $.18 per item paid
  • $.50 per deposit
  • $.085 per check deposited

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Attorney Trust Accounts

Service Features

Information available soon.

 

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