Checking Accounts

From basic checking to a premium banking package, we have a checking account that offers you the right financial fit. Any checking account can be opened with as little as $100

Benefits Included with All Checking Accounts

At Yadkin Bank, every checking customer enjoys a host of FREE BENEFITS, including:

  • MasterCard Check Card
  • No fees for ATM withdrawals at more than 60,000 locations nationwide
  • Online Banking and Bill Pay
  • 24-Hour Telephone Banking
  • Direct deposit and automatic transfers
  • No-annual-fee credit card (subject to credit review)\
  • Compass Club newsletter (for customers age 50 and over)
  • Mobile Banking


Product Comparison

Product Comparison Chart

For your convenience, we have provided a side-by-side comparison chart
of our various personal checking accounts.

View Chart
EZ Move

EZ Move

If you've decided to select Yadkin Bank for your financial needs, we thank
you and look forward to serving you.

Learn how today!

We'll do everything we can to help make the move easy.

To expedite the move from your current bank, all you have to do is follow the three easy steps below. We can help you complete, mail and track the applicable forms for you. As for your old checks and or debit cards, simply bring them with you when you come in to open your account(s), and we can destroy them for you.

Step 1

Discontinue using your current checking account. Allow any outstanding checks or drafts to clear your old account.

Step 2

Authorize the switching of any direct deposits and automatic payment drafts from your old account to your new account by completing either a:

Direct Deposit - Authorization to Change form or

Direct Draft - Authorization to Change form
(one form per deposit or draft).

Step 3

Present the completed forms to a Customer Service Representative, and we'll handle the rest on your behalf.

Please call your nearby branch if you have any questions. Click here for a list of all branch locations and direct phone numbers.



Prestige Banking

Get rewarded for your total banking relationship with an unmatched combination of premium products, benefits and services, including:

  • Tiered interest on collected balances
  • No YVB fee on use of any ATM anywhere1
  • Free paper statements with check images or eStatement
  • Free 3 x 5 safe deposit box or credit toward a larger box (subject to availability)
  • Free Prestige checks
  • No-fee cashier’s and traveler’s checks

To avoid the $27 monthly fee, simply meet one of the following minimum daily balance requirements:

  • $2,500 in Prestige Banking
  • $10,000 in total deposits
  • $10,000 in a business checking account (principal owner only)
  • $15,000 on a home equity line or personal loan
  • $100,000 on a mortgage loan (2-year exemption)


Prestige Gold

This account offers all the benefits of Prestige Banking exclusively to customers age 50 and older.

Avoid the $16 monthly fee by meeting one of the following:

  • Minimum daily balance of $100 in Prestige Gold
  • Direct deposit of payroll, pension or Social Security


Advantage Checking

Get checking, CD and loan benefits - all in one value package.

  • Tiered interest on collected balances
  • Free paper statements or eStatements with check images
  • Preferred CD rates with direct deposit
  • Discount on home equity line closing costs
  • Two free out-of-network ATM transactions per statement1
  • Free first order of wallet-style checks
  • Double interest on WISE Savings for first year

Avoid the $16 monthly fee by meeting one of the following requirements:

  • Minimum daily balance of $500 in Advantage Checking
  • Minimum daily balance of $2,500 in total deposits
  • Direct deposit of payroll, pension or Social Security


Classic Checking

Enjoy a variety of basic banking services at your convenience.

  • No per-check charges
  • No minimum balance requirements
  • Low $5.50 per month fee
  • Receive a $5.50 credit when you sign up for eStatements


1 No bank ATM fee when using an ATM outside of the surcharge-free AllPoint, MoneyPass or CashPoints networks. We are not responsible, however, for surcharges imposed by ATM owners not participating in these networks.


Cyveillance Site Seal