Best Banks & Checking Accounts in Winston Salem, North Carolina - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
The best checking rates for Winston Salem, North Carolina include Piedmont Advantage Credit UnionPiedmont Advantage Credit Union4997 Home Rd, Winston Salem, NC 27106A+5.0 ★Texas Ratio: 4.62% Simple+ Checking^ - Monthly Qualifications Met. Tier 1 rate applied to account at 1.75% APY, Latino Community Credit UnionLatino Community Credit Union1608 S Stratford Rd, Winston Salem, NC 27103 3037A+5.0 ★Texas Ratio: 5.99% Basic Checking at 0.10% APY, State Employees Credit UnionState Employees Credit Union1025 S PEACE HAVEN RD, WINSTON SALEM, NC 27103A-5.0 ★Texas Ratio: 15.54% Checking at 0.10% APY, Allegacy Federal Credit UnionAllegacy Federal Credit Union1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993A5.0 ★Texas Ratio: 6.91% SmartRate Checking at 0.05% APY, and Members Credit Union Winston Salem, NCMembers Credit Union Winston Salem, NC2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779A+5.0 ★Texas Ratio: 2.99% MyFi Checking at 0.01% APY. Checking account rates as of May 5, 2026 according to verified data from MonitorBankRates.
Winston Salem has 5 local institutions in our database, with checking rates as high as 1.75% APY from Piedmont Advantage Credit Union at 4997 Home Rd, Winston Salem, NC, 27106. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Winston Salem, North Carolina. Checking Account Rates Last Updated and Verified: May 5, 2026
Compare Checking Account Rates Today in Winston Salem, North Carolina & the Surrounding Area
Winston Salem, NC 27106
balance up to $20,000
Winston Salem, NC 27103 3037
No additional details provided.
Winston Salem, NC 27103 3037
No additional details provided.
WINSTON SALEM, NC 27103
No additional details provided.
Winston Salem, NC 27103 2993
No additional details provided.
Winston Salem, NC 27103 5779
No additional details provided.
Winston Salem, NC 27103 5779
No additional details provided.
Winston Salem, NC 27103 3037
No additional details provided.
Qualifying balance up to $15000
Qualifying balance up to $15000
No additional details provided.
No additional details provided.
No additional details provided.
No Fees
$15,000.00
No additional details provided.
No additional details provided.
No additional details provided.
No Min Bal; Dividends paid up to $25,000.00
Balances of $25,000+
Winston Salem, NC 27106
balance up to $20,000
Qualifying balance up to $15000
No additional details provided.
Qualifying balance up to $15000
No additional details provided.
No Fees
No additional details provided.
$15,000.00
No additional details provided.
Balances of $25,000+
No additional details provided.
No additional details provided.
No additional details provided.
Balances of $10,000 - $24,999.99
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Balances of $500 - $9,999.99
No additional details provided.
$15,000.00
$15,000.01+
No additional details provided.
No additional details provided.
Winston Salem, NC 27106
balance up to $20,000
Winston Salem, NC 27103 3037
No additional details provided.
No additional details provided.
No Fees
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Winston Salem, NC 27103 3037
No additional details provided.
Winston Salem, NC 27103 3037
No additional details provided.
No additional details provided.
No additional details provided.
$100 minimum opening deposit
No additional details provided.
No additional details provided.
No additional details provided.
No Fees
Winston Salem, NC Checking Rate Trends
Compare local Winston Salem, NC checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
North Carolina high-yield checking rates fell 0.014 points over the past 7 days to 1.323% APY.
North Carolina free checking rates fell 0.015 points over the past 7 days to 0.658% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Winston Salem, North Carolina directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Winston Salem, North Carolina. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in NC.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Winston Salem, North Carolina earn interest?
Are banks in Winston Salem, North Carolina FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Winston Salem, North Carolina
- Piedmont Advantage Credit Union
Simple+ Checking^ - Monthly Qualifications Met. Tier 1 rate applied to account — 1.75% APY - Latino Community Credit Union
Basic Checking — 0.10% APY - State Employees Credit Union
Checking — 0.10% APY - Allegacy Federal Credit Union
SmartRate Checking — 0.05% APY - Members Credit Union Winston Salem, NC
MyFi Checking — 0.01% APY
Winston Salem, North Carolina Rates & Resources
