VERIFIED FOR NORTH CAROLINA
Get a business credit card in North Carolina
See the banks, credit unions, and national issuers that offer one, and which to apply to first.
Free to look. No credit check.
LOCAL OPTIONS
Local banks and credit unions in North Carolina
Verified means we checked the bank's own website on that date. Click the date to see the page.
| Name | Type | How to apply | Verified |
|---|---|---|---|
US Bank |
Bank | Online | Verified 2026-09-24 |
PNC |
Bank | Online | Verified 2026-09-24 |
Truist |
Bank | Online | Verified 2026-09-14 |
First Citizens |
Bank | Online | Verified 2026-09-24 |
Fifth Third Bank |
Bank | Online | Verified 2026-09-15 |
First Carolina Bank |
Bank, cards by Elan | Online | Verified 2026-09-14 |
Truliant Federal Credit Union Membership: You can become a member if you meet any of the following criteria: Association Membership through the American Consumer Council, geographic Location requirements, Family Ties to existing members, or Employment with partner companies. |
Credit union | Online | Verified 2026-09-14 |
Sharonview Federal Credit Union Membership: Sharonview membership is available to anyone who meets one of these criteria (current/retired employees of select employer groups, relatives of existing members, residency in a community charter area, or membership through a local association). |
Credit union | Online | Verified 2026-09-14 |
Champion Credit Union Membership: As long as you live, work, worship, or attend school in one of these counties, you can have an account with Champion Credit Union: Buncombe, Graham, Henderson, Haywood, Jackson, Madison, Macon, Swain, and Transylvania Counties. |
Credit union | Online | Verified 2026-09-14 |
Regions Bank |
Bank | Online | Verified 2026-09-14 |
US Bank
PNC
Truist
First Citizens
Fifth Third Bank
First Carolina Bank
Truliant Federal Credit Union
Membership: You can become a member if you meet any of the following criteria: Association Membership through the American Consumer Council, geographic Location requirements, Family Ties to existing members, or Employment with partner companies.
Sharonview Federal Credit Union
Membership: Sharonview membership is available to anyone who meets one of these criteria (current/retired employees of select employer groups, relatives of existing members, residency in a community charter area, or membership through a local association).
Champion Credit Union
Membership: As long as you live, work, worship, or attend school in one of these counties, you can have an account with Champion Credit Union: Buncombe, Graham, Henderson, Haywood, Jackson, Madison, Macon, Swain, and Transylvania Counties.
Regions Bank
See which bank to apply to first in North Carolina
Our funding plan puts these banks in the order that protects your credit.
WORKS FROM ANYWHERE
National issuers that work from North Carolina
| Name | Type | How to apply | Verified |
|---|---|---|---|
American Express |
Bank | Online | Verified 2026-09-14 |
Chase |
Bank | Online | Verified 2026-09-24 |
Wells Fargo |
Bank | Online | Verified 2026-09-24 |
Navy Federal CU Membership: Our field of membership is open to the armed forces, the DoD, veterans and their families. |
Credit union | Online | Verified 2026-09-14 |
Elan Financial (white-label) |
Bank, cards by Elan | Online | Verified 2026-09-14 |
Service Credit Union Membership: Members of the American Consumer Council (Not a member? Visit the ACC online and join for free with promo code "Service") |
Credit union | By phone | Verified 2026-09-14 |
American Express
Chase
Wells Fargo
Navy Federal CU
Membership: Our field of membership is open to the armed forces, the DoD, veterans and their families.
Elan Financial (white-label)
Service Credit Union
Membership: Members of the American Consumer Council (Not a member? Visit the ACC online and join for free with promo code "Service")
NEXT STEPS
How to use this list
1
Pick a local bank or credit union above and open a business checking account.
2
Some banks want your deposit to sit for a few weeks before you apply. Ask when you open the account.
3
Apply for the card. If you already bank with a national issuer, ask them first.
QUESTIONS
Common questions
No. National issuers apply online from anywhere. Local banks and credit unions on this page may need a branch visit or a home address in their service area.
Only if you meet its membership rule, shown in the table above. Most credit unions require you to live, work, or belong to a group in their area.
Yes. Each row shows the date we checked it against the bank's own site. We recheck this list on a schedule and fix anything that changes.
Most card applications add a hard pull. Our issuer application rules page shows which bank pulls which bureau.
See every state, read the full state list, the issuer application rules, or how bureaus track your applications in our credit bureau pull database.
Ready to build a plan for North Carolina?
We show you which of these banks to apply to, and in what order.
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