Best Banks & Checking Accounts in Winston Salem, North Carolina - March 2026
Brian McKay
Brian McKay
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The best checking rates for Winston Salem, North Carolina include 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, Atlantic Union BankAtlantic Union Bank22 Miller St Ste 520, Winston Salem, NC 27104A+5.0 ★Texas Ratio: 1.56% Preferred Checking at 0.05% APY, Emergency Responders Credit UnionEmergency Responders Credit Union1777 Link Rd, Winston Salem, NC 27103 4625B+4.8 ★Texas Ratio: 17.88% Checking Accounts at 0.05% APY, and Allegacy Federal Credit UnionAllegacy Federal Credit Union1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993A5.0 ★Texas Ratio: 6.91% Preferred Checking at 0.05% APY.
Looking for the best checking accounts in Winston Salem, North Carolina? You have two main choices: convenient local branches or high-yield online accounts.
The tables below compare the top rates available to residents of Winston Salem, North Carolina, featuring both local banks and credit unions near you.
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: March 20, 2026
Winston Salem, NC Checking Rate Trends
Compare local Winston Salem, NC checking rate quotes against the statewide average
Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
North Carolina high-yield checking rates rose 0.247 points this week to 0.413% APY, up from 0.167% last week.
North Carolina rewards checking rates rose 0.436 points this week to 1.403% APY, up from 0.967% last week.
Compare Checking Account Rates Today in Winston Salem, North Carolina & the Surrounding Area
Winston Salem, NC 27103 3037
No additional details provided.
WINSTON SALEM, NC 27103
No additional details provided.
Winston Salem, NC 27103 3037
No additional details provided.
Winston Salem, NC 27103 3037
No additional details provided.
Winston Salem, NC 27104
No additional details provided.
Winston Salem, NC 27103 4625
No additional details provided.
Winston Salem, NC 27103 2993
No additional details provided.
Winston Salem, NC 27104
No additional details provided.
Winston Salem, NC 27104
No additional details provided.
Winston Salem, NC 27104
No additional details provided.
Winston Salem, NC 27104
No additional details provided.
Winston Salem, NC 27104
No additional details provided.
Winston Salem, NC 27104
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 27104
No additional details provided.
Winston Salem, NC 27104
No additional details provided.
Winston Salem, NC 27104
No additional details provided.
WINSTON SALEM, NC 27101 5365
No additional details provided.
Winston Salem, NC 27103 2993
No additional details provided.
WINSTON SALEM, NC 27101 5365
No additional details provided.
Marion, NC 28752 7925
Qualifying balance up to $15000
Waynesville, NC 28786 5807
No additional details provided.
Waynesville, NC 28786 5807
No additional details provided.
Asheville, NC 28810 0001
No additional details provided.
Statesville, NC 28625 2797
Qualifications Required; Qualifying balance up to $10,000.00
Wake Forest, NC 27587
No additional details provided.
Liberty, NC 27298
No additional details provided.
Marion, NC 28752 7925
Qualifying balance up to $15000
Whitakers, NC 27891 8621
No additional details provided.
Gastonia, NC 28054
No additional details provided.
Whitakers, NC 27891 8621
No additional details provided.
Charlotte, NC 28262
No Fees
Dunn, NC 28334
Qualifications Required: Have at least 20 debit card purchases post and clear each monthly statement cycle; Have at least 1 automatic payment, bill pay, or direct deposit post and clear each monthly statement cycle; Access Online Banking or Mobile Banking once each monthly statement cycle; Receive e-statements; Qualifying balance up to $10,000.00
Gastonia, NC 28052
Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month
Raleigh, NC 27612
Qualifying balance up to $15,000.00
Charlotte, NC 28210
Qualifications Required: At least 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.
Greensboro, NC 27408
No additional details provided.
Whitakers, NC 27891 8621
No additional details provided.
Raleigh, NC 27615
Qualifying balance up to $10,000.00
Asheville, NC 28810 0001
No additional details provided.
Gastonia, NC 28052
Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month
Raleigh, NC 27612
Qualifying balance up to $15,000.00
Charlotte, NC 28210
Qualifications Required: At least 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.
Asheville, NC 28810 0001
No additional details provided.
Randleman, NC 27317
No additional details provided.
Canton, NC 28716
No additional details provided.
Goldsboro, NC 27534 7513
$2,500 +**
Asheville, NC 28810 0001
*If qualifications are not met
Goldsboro, NC 27534 7513
$0 - $2,499
Winston Salem, NC 27103 3037
No additional details provided.
Moyock, NC 27958 8740
No additional details provided.
Charlotte, NC 28262
No Fees
Yanceyville, NC 27379
No additional details provided.
Liberty, NC 27298
No additional details provided.
Liberty, NC 27298
No additional details provided.
Cary, NC 27518
No additional details provided.
Winston Salem, NC 27103 3037
No additional details provided.
Waynesville, NC 28786 5807
No additional details provided.
Asheville, NC 28810 0001
For March 1, 2026
Waynesville, NC 28786 5807
No additional details provided.
Winston Salem, NC 27103 3037
No additional details provided.
Winston Salem, NC 27103
$2,500 minimum opening deposit required
Winston Salem, NC 27103
$2,500 minimum opening deposit required
Winston Salem, NC 27103
$100 minimum opening deposit required
Marion, NC 28752 7925
No additional details provided.
Asheville, NC 28810 0001
Monthly Service Charge is $25.00; Earns 0.250% / 0.25% APY on balances $5,000.00 - $49,999.99; 0.499% / 0.50% APY on balances $50,000.00 - $249,999.99; 0.747% / 0.75% APY on balances $250,000.00-$999,999.99; 0.995% / 1.00% APY on balances $1,000,000.00+
Gastonia, NC 28054
$100 minimum opening deposit
Wake Forest, NC 27587
No additional details provided.
Raleigh, NC 27609
No additional details provided.
Greensboro, NC 27408
No additional details provided.
Canton, NC 28716
No additional details provided.
Charlotte, NC 28226
No additional details provided.
Waynesville, NC 28786 5807
No additional details provided.
Charlotte, NC 28262
No Fees
Matthews, NC 28105 4928
No additional details provided.
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
- Latino Community Credit Union
Basic Checking — 0.10% APY - State Employees Credit Union
Checking — 0.10% APY - Atlantic Union Bank
Preferred Checking — 0.05% APY - Emergency Responders Credit Union
Checking Accounts — 0.05% APY - Allegacy Federal Credit Union
Preferred Checking — 0.05% APY
Winston Salem, North Carolina Rates & Resources
