With online banking, you can transfer money between your Bank of the Carolinas accounts, pay bills, download your financial information, and more.
Web Bill Pay
Web Bill Pay enables you to pay bills electronically. Ask us how you can start saving time and money with Web Bill Pay today!
How can I change or reset my password? |
You may change your password by logging into Online Banking and clicking the "Administration" option on the menu. Click "Change Password" and follow the instructions on the page.
If you have forgotten your password and are locked out, please call us toll free at 336-940-4405 or 1-877-751-5755. Our office hours are Monday - Friday from 8:30am until 5:30pm. |
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What kinds of transactions can I do with Online Banking? |
| You may inquire about accounts, transfer funds between accounts, view cleared checks, request stop payments* , pay your bills online **, or download account information to your Microsoft Money software.
* Normal stop payment fee of $30.00 applies
** You must have accepted the Terms and Conditions of Web Bill Pay to use this service. You can do this through a link in Online Banking. |
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How do I enroll? |
Easy! You can enroll online. Please have the following items ready:
- SSN or Tax ID Number
- New Telebanc PIN (see instructions below)
- An account number
Then click here for enrollment.
Obtaining a New Telebanc PIN:
- Call Telebanc: 1-877-751-1895
- Enter your Telebanc ID: if you do not know your Telebanc ID, give us a call at 1-877-751-5755.
- Enter your Telebanc PIN: last 4 digits of your SSN or Tax ID Number
- You will be prompted to change your Telebanc PIN upon first time log-in. Please make note of your New Telebanc PIN to be used for future calls AND Online Banking enrollment.
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What are the browser requirements for Online Banking? |
The following browsers are compatible in Online Banking.
Internet Explorer® 7.0-9.0
Firefox® 3.0 or higher
Safari® 3.1 for Mac |
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How much does online banking cost? |
Our checking account customers enjoy Free Online Banking and Free Unlimited Web Bill Pay.
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Can my joint account holder and I share the same Username? |
No, only one individual is allowed per Username. Joint account holders should enroll separately. |
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Can I download files into Quicken with Online Banking? |
Yes! You can export transactions into Quicken® or Quickbooks® files for easy download into your respective software. From the "Accounts" option, click "Account Detail" and you'll see the download box available on that page. This feature is available for both Windows and Mac users. |
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Can I transfer money to bank accounts at other banks? |
At this time, personal online banking does not allow transfers to accounts at other banks. If you are a small business owner that requires transfers to other banks, you may consider using our Business Online Banking service. |
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Will I be able to view my cleared checks online? |
Yes, you will be able to click on your cleared check number which is hyperlinked in blue and retrieve front and reverse images of your checks. |
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Can I submit a stop payment online? |
Yes, you may submit a stop payment online. Normal stop payment charges apply. |
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How long does it take before my Web Bill Pay service is activated? |
Your Web Bill Pay service will be activated as soon as you enroll.
You can enroll for Web Bill Pay through Online Banking by clicking "Bill Payment" in the menu across the top. |
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What should the payment date be on my web bill payment? |
Your payment date is the due date listed on your bill. Bill payments cannot be made on the due date. You must allow at least at least 5 business days for processing to avoid late fees and charges. |
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How do I stop receiving e-bills? |
You must contact your vendors if you would like to stop receiving e-bills. |
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Why am I not receiving my requested e-bill? |
Ebill requests can only be generated from one website. If you have requested ebills from both your vendor and Bank of the Carolinas, you must contact your vendor to stop sending ebills and then sign on again from your online banking site. If you continue to not receive your requested ebills, please contact your vendor. |
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How safe is my personal information with Online Banking or Web Bill Pay? |
Our system ensures that data-exchanged between your PC and our computers are encrypted with 128-bit encryption - the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to 'encrypt' or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature included. |
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What does a web bill payment look like on a customer statement? |
Your statement will list web bill payments by the name you assign payees in your Web Bill Pay setup. |
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What if a company or individual does not accept electronic payments? |
Web Bill Pay service issues both paper checks and electronic checks according to the vendor's preferences. |
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What do I do if I have questions and you're not open? |
We are available Monday - Friday from 8:30am until 5:30pm to help you with your online banking needs. If you cannot reach us during those hours, you may email us at
or leave a message by phone at 336-940-4405 or 1-877-751-5755. We will return your call or email as soon as possible on the next business day. Remember not to email sensitive information such as account numbers or Social Security Numbers, as email is not secure. |
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