Monthly fee
$1
−$12 a year for an everyday customer: fees and interest, $2,000 kept.
State Employees' · Checking account
State Employees' Zard Checking Account
−$12 a year for an everyday customer. $1 a month. No minimum to open.
- A year, everyday customer
- −$12
- Monthly fee
- Receipt · Monthly feeChecked Nov 1, 2026
Issuer document · ncsecu.org · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 1, 2026
Issuer document · ncsecu.org · PDF
The source states this figure; we have no exact sentence on file yet.
Features
- Branch access
- Debit card
- Interest bearing
- Joint accounts
- Minor accounts
- No minimum balance
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $0ncsecu.org, checked Nov 1, 2026
- Interest compounds
- Dividends are generally compounded daily and credited monthlyncsecu.org, checked Nov 1, 2026
Fees
- Monthly fee
- $1 a monthncsecu.org, checked Nov 1, 2026
- Minimum to open
- Nonencsecu.org, checked Nov 1, 2026
- Returned item (NSF) fee
- $12ncsecu.org, checked Nov 1, 2026
- Overdraft transfer fee
- Nonencsecu.org, checked Nov 1, 2026
- ATM network
- CashPoints ATM; Visa/PLUS ATMncsecu.org, checked Nov 1, 2026
- Out-of-network ATM fee
- $0.75ncsecu.org, checked Nov 1, 2026
- Foreign transaction fee (debit card)
- 1%ncsecu.org, checked Nov 1, 2026
- Incoming domestic wire
- Nonencsecu.org, checked Nov 1, 2026
- Outgoing domestic wire
- $15ncsecu.org, checked Nov 1, 2026
- Incoming international wire
- Nonencsecu.org, checked Nov 1, 2026
- Outgoing international wire
- $35ncsecu.org, checked Nov 1, 2026
- Cashier’s check
- $2ncsecu.org, checked Nov 1, 2026
- Card replacement
- $8ncsecu.org, checked Nov 1, 2026
Who can open it
- Where
- Near its branchesncsecu.org, checked Nov 1, 2026
- Membership
- Membership required:
- Employees of the state of North Carolina, employees of North Carolina public boards of education, employees of North Carolina county departments of Social Services, Health, Mental Health, and Civil Defense, employees of associations formed for the benefit of state of North Carolina employees, employees of agencies or departments whose employees are otherwise subject to the North Carolina State Personnel Act, and employees of federal agencies assigned to North Carolina state agencies.
- Members of the North Carolina National Guard.
- Individuals retired from the above employment or service as pensioners and/or annuitants, including former employees who are “vested” and have not withdrawn or terminated future eligibility to be a pensioner and/or annuitant.
- Immediate family of an existing member, including spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships.
- Minimum age
- 13ncsecu.org, checked Nov 1, 2026
Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 2 items counted at typical fees