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How Does Fractional Reserve Banking Work?Kernersville Financial Center & ATM E Mountain St, Kernersville, NC Directions | Full Details & Services. The Best 10 Banks & Credit Unions near Kernersville, NC � 1. Fidelity Bank � 2. Bank of Oak Ridge � 3. State Employees Credit Union � 4. First Citizens. Details. E Mountain St Kernersville, NC ; Lobby Hours. Monday-Thursday 9am-5pm, Friday 9am-6pm ; Drive Thru Hours. Monday�Thursday am�5pm. Saturday.