
The North Carolina public board of education.What to look out for: To be eligible for membership at SECU, you or an immediate family member need to be working or formerly employed by one of the following: The credit union's checking account has a low minimum opening deposit, but there's a $1 monthly service fee that can't be waived.

Its CDs also pay a decent rate and require a low minimum opening deposit of $250. The State Employees Credit Union Share Account earns a slightly higher rate than most brick-and-mortar bank accounts.
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It has over 273 locations and 1,100 free ATMs, making it one of the biggest financial institutions throughout the state. Why it stands out: State Employees Credit Union is a good option if you'd like to bank with a credit union over a bank.

The First Citizens Bank Online Savings Account has a $50 minimum opening deposit, and you won't need to fulfill any minimum balance requirements. It has a budgeting tool that helps you track expenses, create a budget, and monitor debt.

The First Citizens Bank Free Checking Account is one of the bank's strongest products. It's the third-largest financial institution in the state, and it offers a free savings and checking account. Why it stands out: First Citizens Bank is a great choice if you prefer traditional banking.
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