Best Banks & Checking Accounts in Winston Salem, North Carolina - June 2026
Brian McKay
Brian McKay
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The best checking rates for Winston Salem, North Carolina include Allegacy Federal Credit UnionAllegacy Federal Credit Union1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993A5.0 ★Texas Ratio: 6.46% SmartRate Checking at 3.00% APY, Piedmont Advantage Credit UnionPiedmont Advantage Credit Union4997 Home Rd, Winston Salem, NC 27106A+5.0 ★Texas Ratio: 4.57% 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: 5.83% Checking Accounts at 0.10% APY, State Employees Credit UnionState Employees Credit Union1025 S PEACE HAVEN RD, WINSTON SALEM, NC 27103A-5.0 ★Texas Ratio: 14.47% Checking at 0.10% APY, and Emergency Responders Credit UnionEmergency Responders Credit Union1777 Link Rd, Winston Salem, NC 27103 4625B+4.8 ★Texas Ratio: 17.22% Checking Accounts at 0.05% APY. Checking account rates as of June 16, 2026 according to verified data from MonitorBankRates.
Winston Salem has 6 local institutions in our database, with checking rates as high as 3.00% APY from Allegacy Federal Credit Union at 1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993. 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: June 16, 2026
Compare Checking Account Rates Today in Winston Salem, North Carolina & the Surrounding Area
Winston Salem Checking Account Rates
Winston Salem, NC 27103 2993
Qualifications Required: enrollment in eStatements; at least 20 debit card transactions per cycle; a direct deposit or ACH debit per cycle; When requirements are met, APY for balances over $25,000 will vary based on the account balance and reflects a blended rate. Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Up to $25 in ATM fees will be refunded per month when requirements are met. Fees could reduce earnings on the account.
Winston Salem, NC 27106
balance up to $20,000; Tier 1 rate applied to account balance up to $20,000
Winston Salem, NC 27106
Qualifications Required: Monthly Qualifications Met; Tier 1 rate applied to account balance up to $20,000
Winston Salem, NC 27103 3037
No additional details provided.
Winston Salem, NC 27103 2993
Qualifications Required: enrollment in eStatements; at least 20 debit card transactions per cycle; a direct deposit or ACH debit per cycle; When requirements are met, APY for balances over $25,000 will vary based on the account balance and reflects a blended rate. Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Up to $25 in ATM fees will be refunded per month when requirements are met. Fees could reduce earnings on the account.
WINSTON SALEM, NC 27103
No additional details provided.
Winston Salem, NC 27106
Qualifications Required: Monthly Qualifications Met; Tier 2 rate applied to portion of balance in excess of $20,000
Winston Salem, NC 27106
$20,000; Tier 2 rate applied to portion of balance in excess of $20,000
Winston Salem, NC 27103 4625
No additional details provided.
Winston Salem, NC 27106
Tier 3 rate applied to entire account balance
Winston Salem, NC 27103 2993
Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. Balance requirements for each APY tier are outlined in the rate table. Each preferred checking account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Fees could reduce earnings on the account.
Winston Salem, NC 27103 2993
If account requirements are not met, all balances earn 0.05% APY. Fees could reduce earnings on the account.
Winston Salem, NC 27103 5779
�� Fees may reduce earnings.
Winston Salem, NC 27103 5779
�� Fees may reduce earnings.
Winston Salem, NC 27103 2993
APY = Annual Percentage Yield. Rates are variable and subject to change. This account does not include check-writing privileges; if checks are presented or ordered through an outside vendor, they will be returned. Access to Digital Banking may be subject to certain restrictions. Mobile banking and text alerts require enrollment. Allegacy does not charge for these services; however, standard message and data rates from your mobile carrier may apply.
Level 2 on balances up to $15000
Qualifications Required: monthly qualifications are met; Qualifying balance up to $15,000.00
Level 1 on balances up to $15000
No additional details provided.
*$100 minimum opening deposit
Winston Salem High Yield Checking Rates
Winston Salem, NC 27103 2993
Qualifications Required: enrollment in eStatements; at least 20 debit card transactions per cycle; a direct deposit or ACH debit per cycle; When requirements are met, APY for balances over $25,000 will vary based on the account balance and reflects a blended rate. Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Up to $25 in ATM fees will be refunded per month when requirements are met. Fees could reduce earnings on the account.
Winston Salem, NC 27106
Qualifications Required: Monthly Qualifications Met; Tier 1 rate applied to account balance up to $20,000
Winston Salem, NC 27106
balance up to $20,000; Tier 1 rate applied to account balance up to $20,000
Level 2 on balances up to $15000
Qualifications Required: monthly qualifications are met; Qualifying balance up to $15,000.00
No additional details provided.
Level 1 on balances up to $15000
*$100 minimum opening deposit
*$100 minimum opening deposit
No additional details provided.
Qualifying balance up to $15,000.00; N/A
No additional details provided.
Balances of $50,000+
No additional details provided.
No additional details provided.
No additional details provided.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Rates are subject to change daily and fees may reduce earnings. The account must be funded within 30 days to remain open. APY may change at any time before or after account is opened. Call 314.731.0229 for the most up to date rates.
Balances of $10,000 - $49,999.99
Qualifications Required: 15 or more Debit Card Transactions Posted Per Month; APY on average daily balances above $10,000
No additional details provided.
Winston Salem Rewards Checking Rates
Qualifying balance up to $15,000.00; N/A
No additional details provided.
Qualifying balance $15,000.01+; N/A
No additional details provided.
No additional details provided.
Winston Salem Free Checking Rates
Winston Salem, NC 27106
Qualifications Required: Monthly Qualifications Met; Tier 1 rate applied to account balance up to $20,000
Winston Salem, NC 27106
balance up to $20,000; Tier 1 rate applied to account balance up to $20,000
Winston Salem, NC 27106
Qualifications Required: Monthly Qualifications Met; Tier 2 rate applied to portion of balance in excess of $20,000
Winston Salem, NC 27106
$20,000; Tier 2 rate applied to portion of balance in excess of $20,000
Winston Salem, NC 27106
Tier 3 rate applied to entire account balance
No additional details provided.
Minimum Balance to Open Account: $5.00
No additional details provided.
New checking clients can earn up to $600 when completing qualifying activities. Promotional offers are not available for customers with an existing Old National Bank personal checking account (including owners; signers on joint accounts), personal checking accounts closed within the last 36 months or have been paid on an Old National personal checking promotional bonus in the past 36 months or Old National Bank employees.
No Fees
No additional details provided.
No additional details provided.
No additional details provided.
Winston Salem Student Checking Rates
Qualifications Required: 0-14 Debit Card Transactions Posted Per Month; APY on average daily balances $10,000 or less
Qualifications Required: 15 or more Debit Card Transactions Posted Per Month; APY on average daily balances above $10,000
Winston Salem Business Checking Rates
No additional details provided.
No additional details provided.
*$100 minimum opening deposit
*$100 minimum opening deposit
No additional details provided.
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 0.046 points over the past 7 days to 0.886% APY.
North Carolina free checking rates fell 0.064 points over the past 7 days to 0.904% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Winston Salem, North Carolina checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
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 sourcing this data 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
- Allegacy Federal Credit Union
SmartRate Checking — 3.00% APY - Piedmont Advantage Credit Union
Simple+ Checking^ - Monthly Qualifications Met. Tier 1 rate applied to account — 1.75% APY - Latino Community Credit Union
Checking Accounts — 0.10% APY - State Employees Credit Union
Checking — 0.10% APY - Emergency Responders Credit Union
Checking Accounts — 0.05% APY
Winston Salem, North Carolina Rates & Resources
