Essential Checking

An Essential Checking Account Crafted for Your Everyday Needs.

Having a basic checking account is essential to your everyday life.  Your NC Community Credit Union’s Essential Checking Account makes checking-in convenient. With just $1.00 to open this account, enjoy FREE Online Banking, FREE E-Statements, low fees, and many other discounts and features. Unbank Yourself and join Your NC Community Credit Union!

I am a New Member

Apply online in 3 simple steps and start saving today with NCCFCU!

I am an Existing Member

Sign in to Online Banking to request a new account with NCCFCU.

Enjoy the Benefits of Our Essential Checking Account:

Membership Eligibility

You must live, work, worship or attend school in Wayne County, North Carolina to be eligible to join and open accounts with Your NC Community Credit Union.

When opening an account in branch, bring the following:

Valid Driver's License

If your driver’s license DOES NOT list your current address, please bring a recent utility bill, cell phone bill, bank statement or lease agreement detailing your current address. Other acceptable primary documents include: U.S. or Foreign Passport, U.S. State Issued Identification, Military Identification, Permanent Registration Car and/or US Visa.


You are not required to have your Social Security Card when you come in to open an account. To open a checking account we will need to verify your name, date of birth, address, and Social Security Number.