Banks in Highlands, NC

Bank branch map: Highlands

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 3 banks and credit unions operate 3 locations in Highlands, according to the FDIC. 3 of them have coordinates on record and are on the map. 1 publish opening hours.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Highlands

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: First Citizens Bank, Regions Bank and First Bank have the most locations in Highlands, with 1 each. 3 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

First Bank 1 branch · main office Southern Pines, NC Bank · 1

First Bank has 1 branch in Highlands, 102 across North Carolina and 116 nationwide. FDIC records list its main office in Southern Pines, NC and show it operating since 1934. With $13.03 billion in total assets on June 30, 2026, it ranks No. 138 of 4,232 U.S. banks by total assets. The 242 Highlands Branch at 473 Carolina Way dates to 1995 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 242 Highlands Branch

  473 Carolina Way, 28741

  Hours: see the bank's site
  DirectionsWebsite

First Bank: profile, branches and contacts

First Citizens Bank First-Citizens Bank & Trust Company · 1 branch · main office Raleigh, NC Bank · 1

First Citizens Bank has 1 branch in Highlands, 196 across North Carolina and 518 nationwide. FDIC records list its main office in Raleigh, NC and show it operating since 1898. With $236.32 billion in total assets on June 30, 2026, it ranks No. 19 of 4,232 U.S. banks by total assets. The Highlands Branch at 615 N 4th St dates to 1990 in FDIC branch records. Its published hours do not list Saturday.

• Highlands Branch

  615 N 4th St, 28741

  (828) 526-9692Today 9 am to 5 pm

  All hours

  Mon to Fri 9 am to 5 pm; Sat to Sun closed

  Hours: First Citizens Bank branch locator (All The Places), checked Oct 10, 2026

  DirectionsBranch page

First Citizens Bank: profile, branches and contacts

Regions Bank 1 branch · main office Birmingham, AL Bank · 1

Regions Bank has 1 branch in Highlands, 6 across North Carolina and 1,256 nationwide. FDIC records list its main office in Birmingham, AL and show it operating since 1928. With $159.79 billion in total assets on June 30, 2026, it ranks No. 27 of 4,232 U.S. banks by total assets. The Highlands Main Branch at 161 Spring Street dates to 2003 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Highlands Main Branch

  161 Spring Street, 28741

  Hours: see the bank's site
  DirectionsWebsite

Regions Bank: profile, branches and contacts

Banking in Highlands: the local picture

Short answer: 3 banks run 3 branches in Highlands according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 3 banks, 0 have their main office in Highlands, 2 elsewhere in North Carolina and 1 out of state, according to the FDIC.

The bank with the longest record here is First Citizens Bank, operating since 1898 according to the FDIC. In FDIC branch records, the longest-running branch is First Citizens Bank's office at 615 N 4th St, dating to 1990; the newest is Regions Bank's at 161 Spring Street, from 2003.

Of the 1 location with published hours. None open on Saturday. 2 locations have no published hours in these sources.

Saturday hours in Highlands

Short answer: None of the 1 Highlands location with published hours lists Saturday hours. 2 locations do not publish hours in these sources; call ahead.

Bank branches show hours only where the bank publishes them in a source this page uses; 2 of the 3 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.

Chase, Bank of America and other national banks

Which big national banks have branches in Highlands, and where the nearest one is if they do not.

Short answer: In Highlands: Regions Bank (1). No branches in Highlands: Chase (nearest in Asheville, 49 mi), Wells Fargo (nearest in Cashiers, 7 mi), Bank of America (nearest in Hendersonville, 45 mi), PNC Bank (nearest in Franklin, 14 mi), U.S. Bank (nearest in Charlotte, 132 mi), Truist (nearest in Waynesville, 32 mi), Fifth Third Bank (nearest in Brevard, 29 mi), Huntington (nearest in Charlotte, 133 mi), TD Bank (nearest in Hendersonville, 45 mi), BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Highlands to the nearest branch in North Carolina.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Highlands residents like anyone else.

Banks near Highlands

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Cashiers (7 miles) and Franklin (13 miles). Franklin, 13 miles away, has the most banks nearby: 6.

Bank branch openings and closings in Highlands

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Highlands between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Highlands by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Highlands offices.

Short answer: First Citizens Bank is the largest bank with offices in Highlands, with $236.32 billion in total assets on June 30, 2026, No. 19 among U.S. banks by total assets. Regions Bank is second with $159.79 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Highlands: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.