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Online Banking Agreement

Features and Disclosures

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Convenience Checking

Enjoy account benefits with the advantages of multi-channel banking access. Maintain a $500 minimum balance to avoid a $5.00 service charge.


  • Online Banking
  • Bill Pay
  • Mobile banking access and Mobile App
  • Text message transactions and alerts
  • Email notifications and alerts
  • Multi-channel banking access on all related accounts
  • Unlimited check writing
  • ATM or Visa® Check Card
  • No-Fee Visa® Check Card POS Transactions
  • Three (3) monthly "no fee" non-Monarch/OBX ATM usages
  • Monthly paper statement with imaged checks
  • Monthly paper or E-statement with imaged checks

Relationship Checking

A great checking package for individuals, that pays interest and rewards clients for maintaining balances in other accounts. Our relationship package allows clients to receive balance recognition on multiple personal and business checking, savings and CD accounts. Benefits (all the above plus): Pays interest to avoid a $15 service charge maintain a monthly average:

  • Checking account balances of $2,500

or monthly average:

  • Savings/Money Market balance of $10,000;

or monthly average:

  • CD/IRAs balance of $10,000

ONE® Account

Our best checking account for individuals, that pays interest like a high-yielding checking, savings and money market account. Now you can get total liquidity and increasing rates of interest based on your balance from a blended yield of the interest rate earned in a tiered rate structure. No limit on transactions, no worries about market fluctuations. Maintain a $25,000 balance in this account to avoid monthly $25 service charge. Benefits (all of Convenience Checking plus): Pays high-yielding interest and free unlimited wallet style checks, Monarch/OBX Bank pays ATM surcharges from other institutions.

Contact a Private Banker to get started or visit any Monarch Bank Office for more information.

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