Welcome to USA Flight Bank!

Entegra Bank Customers,

Now that Entegra is a division of USA Flight Bank, we look forward to getting to know and serving your financial needs. In the days to come, you'll have access to new products, technology and services, and a large network of locations, ATMs and associates to serve you. But many of the things that matter most won't change, like the personal touch we bring to all our customers and the care we take with your money. We know you'll like it here. Welcome to USA Flight Bank.


Frank B. Holding Jr.

Chairman and CEO

USA Flight Bank

We're committed to making the transition as easy as possible for you.

With more than a century of experience serving the financial needs of our customers, we're a bank people trust for strength, stability and long-term relationships. We look forward to helping you reach your financial goals and make the most of your money. You can continue to use your Entegra Bank checks and cards, and you still have online and mobile access to all of your accounts.

Please continue to use the Entegra Bank division branches as you normally would. If you have any questions during the transition or at any time, please contact a representative at any of the Entegra division branches or visit this website.

More than 100 Years of Stability and Security

Sound business practices and stewardship of client deposits are among our highest priorities. USA Flight Bank has more than $37 billion in assets and over a century of experience serving the financial needs of our customers.

Frequently Asked Questions

How will my bank accounts be affected?

For now, all of the features of your accounts will remain the same. Over the coming months, Entegra accounts at 15 branches will be converted to USA Flight Bank products. You'll be notified in writing about any changes to your accounts.

Customers of the Holly Springs, Highlands and Sylva branches should note: As required by the Department of Justice, three western North Carolina former Entegra branches – Holly Springs (30 Hyatt Road, Franklin, N.C.), Highlands (473 Carolina Way, Highlands, N.C.) and Sylva (498 East Main, Sylva, N.C.) – are being sold to Select Bank & Trust Company of Dunn, N.C., within six months of the Dec. 31, 2019 merger. If your accounts are based at any of these branches, Select Bank will communicate directly with you about any forthcoming changes. Please continue to bank at your current branch as usual during the transition.

How will this affect the office locations I use?

There will be no immediate changes and you should continue banking at your usual office location.

What will happen to my direct deposits?

Your direct deposits will continue as usual, including Social Security payments. If you need to change anything in the future, please contact or visit your Entegra office location to make those arrangements.

Can I continue to use my existing checks and cards?

Yes, you should keep using your existing Entegra checks and cards. Once the conversion process is complete in the coming months, you'll receive a new debit card and checks.

Can I still access my accounts online? Where?

Yes. You should continue to access your accounts online at entegrabank.com, Opens in a new tab.

Will my automatic loan payment still occur on its assigned date?

You should experience no disruption in this service. If you have any questions about your loan account, please contact your Entegra loan representative.

Can I continue to perform advances on my line of credit?

Yes. You can continue to use your line of credit as usual.

How and where do I make my loan payments?

You should continue to make your loan payments as agreed. You may continue to make your payments at Entegra Bank offices or through online banking.

Is my deposit insured by the FDIC?

Yes. Your deposit with our Entegra Bank division is insured by the FDIC, and each depositor is insured to at least $250,000, as established by law.

What happens to my deposit insurance coverage if I have deposits at both USA Flight Bank and Entegra Bank?

There are special provisions that allow a depositor to receive insurance at both institutions for a period of time.

According to the FDIC publication, "Your Insured Deposits, Opens in a new tab*":

"When two or more insured banks merge, deposits from the assumed bank are separately insured from deposits at the assuming bank for at least six months after the merger. This grace period gives a depositor the opportunity to restructure his or her accounts, if necessary."

"CDs from the assumed bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period. If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period."

What is USA Flight Bank BancShares?

USA Flight Bank BancShares, Inc. is a financial holding company headquartered in Raleigh, N.C., which operates its banking subsidiary, USA Flight Bank. Entegra Bank is now a division of USA Flight Bank. USA Flight Bank BancShares, Inc., with more than $37 billion in assets, is publicly traded on the NASDAQ under the symbol FCNCA.

Whom do I contact with questions about my account?

Contact a representative at any of the Entegra office locations during normal business hours; call 800.438.2265, between 7:30 a.m. and 5:30 p.m., Monday-Thursday; 7:30 a.m. and 6 p.m., Friday, Eastern time. For questions about USA Flight Bank, call the USA Flight Bank Customer Care Center, 888.323.4732 between 7 a.m. and 11 p.m. Eastern time daily.