Who We Are

Nantahala Bank was organized in 2004 as a state-charted bank and is headquartered at 120 Siler Road, Franklin, NC.

We have around 530 shareholders with the vast majority of those living in the communities we serve: Franklin (Macon County, NC), Hayesville (Clay County, NC) and Murphy (Cherokee County, NC).

What Makes Us Different?

Free Checking (For Real):

Most other banks charge you between $9.00 and $29.00 per month to have an account at their bank. If you have a high enough balance, then you “might” pay a bit less. Nantahala Bank provides free checking with our personal and business eFreedom Checking, and we don’t have a minimum balance. For those customers that elect to have their statements mailed to them, we charge a $3.00 per mailed statement.

Answering your calls:

Our customers don’t get an automated system when they call the bank during office hours. Also, the calls are answered by people in our branches, many times it is the same people you deal within when you come into the bank.

Local Decisions:

Loan approvals and other key decisions are made by people in your community by people who understand the needs of local families, businesses and farmers. Because of this personal insight, this allows us to approve small business loans, home loans and other loans that big banks would reject. We specialize in owner-operated businesses and understand your needs as a business owner with growth goals.


We train some of our staff from scratch, but most have worked in other banks and they have joined our team because they like the way we treat our customers and the way we treat them. If you give us a try, I think you will agree that we have some of the best people in banking.


We utilize the same computer systems the banks ten times our size use, so we are able to provide customers the same technology available in larger banks. You can access your accounts at home, at your office, on your smart phone, etc. From your smart phone, you can deposit checks, transfer funds between accounts, make payments, and of course check all of your account balances.

No Quotas:

Nantahala Bank does not have quotas for its staff to open new accounts or sell its customers more products. We believe that if we are kind, courteous, professional and helpful to our customers and meet their financial needs, our bank will grow on its own and our customers will be better served. 


Lending money to our customers is how we make money, so you can bet we take it serious. We know there are many options available to our customers, so we bend over backwards to earn their business by making the process easy and as fast for them as possible. We also pride ourselves in being more responsive to customers and giving them a quick answer on their loan request. If we have to say no to a customer, we tell them why and what they can do to make their request more creditworthy in the future. If you are building a house or a commercial building, some banks will limit you to 5 draws for the project and/or will take two weeks or more to process a draw request. Nantahala Bank will increase draws on a construction project to meet the needs of the borrower and builder, within reason. The bank also turns around most draw requests within a couple of days.

No-Assist Safety Deposit Boxes:

Have you ever gone to your bank and had to wait to access your safety deposit box, because no one was available to let you in the Safety Deposit Vault and/or provide the second key to access your box. At Nantahala Bank, we record your handprint and let you select a Personal Identification Number, which will allow you to open the Safety Deposit Vault unassisted. Additionally, because of the access security which records your access to the area, we are also able to allow you to open YOUR box with a single key.


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