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Today, there are more demands on your time than ever before—that's why Bank of North Carolina is working hard to make banking more convenient for you. With convenient access to your Bank of North Carolina accounts 24 hours a day, you have ultimate control of your finances.

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ATM Locations

Report a Lost or Stolen Card

ATM/Debit Card Informational Safety Tips
As with all financial transactions, please exercise discretion when using an ATM. For your own safety, be careful. The following suggestions may be helpful:

  • Record each transaction in your account record, but not while at the ATM.
  • Always save your receipts. Do not leave them at the ATM because they may contain important account information.
  • Compare your records with the account statements you receive.
  • Do not lend your ATM/debit card to anyone.
  • Do not leave your card at the ATM.
  • Protect your ATM/debit card as if it were cash.
  • Protect the secrecy of your Personal Identification Number (PIN).
  • Do not tell anyone your PIN.
  • Do not give anyone information regarding your ATM/debit card or provide your PIN over the telephone. A Bank of North Carolina representative would NEVER call and ask you for this information.
  • Do not keep your PIN with your card. For example, do not keep a record of your PIN in your wallet or purse.
  • If your ATM/debit card is lost or stolen, notify us immediately. If the Bank is closed, call 24-hours a day at (866) 546-8273
  • When you use an ATM, be mindful of your surroundings.


Tips to Avoiding ATM Surcharges

  • Use your bank's ATM as most banks don't charge their own customers a surcharge.
  • Use the "cash back" feature available at many grocery stores, convenience stores, and discount stores when making a purchase.
  • Withdraw more cash during each ATM visit but visit ATMs less often.
  • Use your debit card rather than cash when possible.

What is an ATM Surcharge?
An ATM surcharge is an ATM transaction fee that is imposed by the owner of the ATM. The owner of the ATM may be your bank, another bank, and even a non-bank business. An ATM surcharge may be imposed in addition to any transaction fees charged by your bank. Bank of North Carolina does not assess ATM transaction fees or ATM surcharge fees to its customers.

How do I avoid ATM surcharges?

  • Use Bank of North Carolina's ATM machines.
  • Use the "cash back" feature available at many grocery stores, convenience stores, and discount stores when making a purchase.
  • Withdraw more cash during each ATM visit but visit the ATMs less often.
  • Use your debit card rather than cash when possible.
  • Ask for cash back when making a deposit with a teller.

How will I know how much an ATM will charge me?
There will be a sign posted on the ATM itself stating if any charge will apply. Once you have inserted your card and entered your PIN, a notice of any charge must appear, giving you the option of canceling the transaction without being accessed a fee.

How do I know which financial institution owns the ATM?
There is a sign posted on the ATM stating the name of the financial institution.

Does Bank of North Carolina charge me for using an ATM machine not owned by Bank of North Carolina?
No, but the owner of the ATM may charge you.

Will I be charged if I use my card to make a purchase at a merchant and ask for cash back?
Generally, no. However, a small number of businesses have started charging a "cash back" fee.

If I am a Bank of North Carolina customer and use another bank's debit, credit or ATM card at a Bank of North Carolina ATM, will I be assessed a surcharge fee?
Yes. Only Bank of North Carolina ATM and debit cards can be used at a Bank of North Carolina ATM without being charged a surcharge fee.

Does Bank of North Carolina assess a surcharge for balance inquiries, deposits, or transfers?
No, only cash withdrawals are subject to an ATM surcharge.

Report a Lost/Stolen Card
You should notify Bank of North Carolina immediately if your card is lost or stolen. If the Bank is closed, call toll free at (866) 546-8273 to report a lost or stolen card.

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