Bank of the Carolinas (NC) is a state-chartered commercial bank that provides retail banking services primarily in central North Carolina. The Company offers a comprehensive line of financial products and services, including deposit accounts such as Carolinas Checking, Carolinas Grand Account, certificates of deposit (CDs), Coverdell Education Savings and traditional and Roth individual retirement accounts (IRAs); personal loans and lines of credit; automobile, home and business loans, and equipment financing. Bank of Carolinas also offers an array of business banking services including business checking, business savings, business lending, retirement plans and other business services, such as automated clearing house services, automatic loan payments, direct deposit and currency and coin services. The Company has seven full-service locations in Advance, Asheboro, Carthage, Cleveland, Harrisburg, Landis and Mocksville, North Carolina.