Bank of NC Customer Care Center Hours 7am-11pm Mon-Fri, 9am-5pm Sat (1.800.262.7175)
E-Banking Mobile Banking

Mobile Banking

BNC Mobile Banking enables you to use your cell phone or iPad to do your banking quickly, easily and securely—anytime, anywhere! BNC Mobile Banking supports all account types including checking, certificates-of-deposits, money markets, loans and lines-of-credit.

You must be an Online Banking customer with Bank of North Carolina and you must enroll your mobile device in Mobile Banking.



  • Free iPhone, iPad or Android App
  • Access your accounts anywhere, anytime



*Connectivity and usage rates may apply. Contact your wireless service provider for details.


Mobile Banking FAQs

Mobile Banking is a service we offer to our customers at no additional charge. However, please check with your phone service provider for text and web access charges that will be related to using Mobile Banking.

Web-enabled mobile banking uses secure SSL traffic. This 128-bit encryption, the highest form of encryption currently available, is used to secure your sessions. Other security tools are in place to ensure the integrity of your data, including firewalls and filtering routers that secure computers from online access and a trusted operating system, which protects information from both internal and external threats.

Mobile Banking can be utilized with texting for view only functions, such as viewing balance, view account history, and stopping the service.

As a security feature, only one phone per online banking ID can have access. Access to accounts in online banking is driven by ownership and that level of access is carried into your Mobile Banking service. Additional Online Banking IDs can be established at no cost for multiple account owners who can then utilize Mobile Banking as well.

To use our Mobile Banking service, you will need to meet the following minimum requirements:

  • You must first either have an established Online Banking ID or enroll in Bank of North Carolina’s Online Banking service
  • Your mobile device must be web or text enabled
  • Your mobile network must allow secure SSL traffic—you may need to contact your mobile provider to determine this
  • You may then enroll for Mobile Banking via Online Banking from your computer; log into your Online Banking account, go to the Options tab, then Mobile Settings page and enter the requested information

Yes, BNC offers a FREE app that can be downloaded within the App Store for both iPhone and Android users. You must be enrolled for Mobile Banking before using the app.

Yes, the only difference is that iPhone and Android users can now access mobile banking through an app instead of a webpage; all operations remain the same.

Yes, we offer a smartphone enhancement that updates the look and feel of mobile banking for today’s sophisticated mobile devices.

Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings and make any changes to the Wireless Provider or Phone Number.

If you simply get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers or phone numbers, log in to your Online Banking account from your computer and update your Mobile Settings information. You will not receive SMS Text Messages regarding Mobile Banking transactions if your phone number is not correct.

When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.

Functionality is limited to sending payments to already established payees. To add a new payee, log into the Online Banking site from your computer, select Bill Payment and add a new payee. You can then submit payments to that payee via your mobile device.

You will need to contact the bank to make sure that your savings account is tied to your online banking ID. Once it is tied, you will be able to view and interact with the account through web-enabled and text-only mobile banking.

You will only be able to view 15 days of transaction history on your mobile devices. There is not a search feature.

Log into your Online Banking from your computer, select the Options tab, select Mobile Settings, then deselect Activate Mobile Banking Access. Click Agree to deactivate.