Welcome Blue Ridge Savings Customers!

Bank of North Carolina opened its doors in December 1991 in Thomasville, North Carolina. We have 25 branches, located in the following areas: In North Carolina, Thomasville, Archdale, Lexington, Northern Davidson County, High Point, Winston-Salem, Kernersville, Greensboro, Salisbury, Mooresville, Harrisburg, Concord and Raleigh. In South Carolina, Myrtle Beach, North Myrtle Beach, Surfside, Litchfield and Hilton Head. We are a Bank committed to excellence. We desire to provide the best banking experience possible to our customers and are committed to providing a challenging and rewarding environment for our employees. We have maintained solid financial strength and will continue to do so moving forward.

At Bank of North Carolina, we've always been passionate about responding to our customers' needs for quality banking products. Providing these tools and solutions is our pleasure, and we're known for delivering customer service with a kind word and friendly smile at each of our branch offices.

Due to the economic slowdown in recent years, compounded by a severe decline in real estate prices, banks across the country have been adversely affected, particularly in the Southeastern United States. At the close of business on Friday, October 14, 2011, Blue Ridge Savings was closed by the State of North Carolina Office of the Commissioner of Banks, and the FDIC was named as Receiver. Subsequent to the closure, Bank of North Carolina assumed the loans and deposits from the FDIC as Receiver for Blue Ridge Savings.

Yes! Your deposits with Bank of North Carolina are safe, sound, and readily accessible. All deposit accounts, which include checking, savings, money market, CDs and Retirement accounts, have been transferred to Bank of North Carolina regardless of the amount. Not only are your deposits safe at Bank of North Carolina, they will continue to be insured by the FDIC up to the maximum legal limit. Please visit www.fdic.gov for additional information regarding FDIC insurance.

You do not need to do anything at this time. You can continue banking exactly as you did as a Blue Ridge Savings customer. You can continue to access your money by writing checks, using ATM and debit cards or the Internet. Checks drawn on the bank will continue to be accepted. Loan customers should also continue to make their payments as usual.

Again, at this time this transition will not affect your account(s) or the way you have always done your banking. As a part of Bank of North Carolina, you can expect to have even more convenience and the same great level of service as you have come to expect with Blue Ridge Savings. Over time, we will communicate specific information about any changes or added features to your accounts.

All account numbers will remain the same at this time. We will communicate with you well in advance with specific information about any changes or added features to your accounts.

Your current arrangement for direct deposit, including Social Security checks will continue as normal without interruption.

Yes. Please continue to access your online banking and bill paying service through the Blue Ridge Savings website. As our banking systems merge, we will provide assistance and advance notice of any changes to access your accounts online.

Yes. Please continue to do your banking at your bank location. You will also have the convenience of additional branches and ATM's locations in North and South Carolina. For locations, visit bankofnc.com

At this time our hours of operation will remain the same. We will notify you well in advance with any changes in hours.

Yes, please continue to use your scanner as you normally would. Your deposits will be accepted and processed as usual.

You will continue to receive your interest payments as you have in the past. Your rates on your Certificates of Deposit may change to the current competitive rates for Bank of North Carolina. As a deposit customer you will receive a letter from Bank of North Carolina via U.S. Mail within 7 days of the transaction with an enclosure titled "Notice of Rate Changes to your Interest Bearing Deposits". Please read the document carefully.

The accounts transferred to Bank of North Carolina will be separately insured for at least six months after the acquisition. This grace period gives you the opportunity to restructure the accounts, if necessary. (If you are a deposit customer you will receive additional information about your deposit accounts via U.S. Mail within 7 days of the acquisition.) Please read that letter and the other enclosed documents carefully and contact us with additional questions.

You can withdraw some or all of your funds from your deposit accounts without penalty until you enter a new agreement with Bank of North Carolina, provided you are not using your deposits to secure a loan. You have until April 14, 2013 to claim or arrange to continue your account(s) with Bank of North Carolina. There are several ways that you can claim your account(s). As a deposit customer you will receive a letter via U.S. Mail within 7 days of the transaction which will include procedures for how to claim your deposits in a separate enclosure titled, "Notice to Depositors." Please read the documents carefully. For your convenience you can also complete a Claim Form at your branch location that will claim all of your deposit accounts.

Yes, your current products and services will remain the same for the time being. As we integrate our systems and review the accounts at both banks, some changes may occur to your accounts. You will be notified at least 30 days in advance of any changes and we will be happy to walk you through any changes that may occur.

Most loans have been assumed by Bank of North Carolina. Your payment amount and due date are the same. You will continue to make payments as you have in the past. If you are having your payment deducted from your account, it will continue as it as in the past. You should make your checks payable to Bank of North Carolina and send your payments to the same address you have always used.

You should ask a bank loan officer for details about your account.

No. Your safe deposit box, fees and annual renewal date will remain the same. You can go to your local branch and access your safe deposit box; however, no action on your part is required because of this transaction.

At the present time, your bank office will remain open and you can continue to do your banking at this location.

We are currently evaluating the situation and hope to retain as many employees as possible.

If you have more questions about your account(s) or about this transition, simply call your branch. A bank representative will be there to answer your questions.