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Personal Checking

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Reward Checking

Sure, free checking is great…but at Southcoast Community Bank, we think we can do better!  This high interest checking account offers you a great rate on your balance with no minimum balance or monthly fees.  But that’s not all – you also get ATM fee refunds, no matter whose ATM you use.  Not just in Charleston, not just in South Carolina, but nationwide! We think that’s a whole lot better!

Summary

  • 1.25% APY* paid on balances up to $30,000
  • 0.10% APY* paid on portion of balance above $30,000
  • 0.05% APY* if qualifications aren’t met
  • Nationwide ATM fee refunds when qualifications are met
  • Unlimited check writing
  • No monthly fee
  • No minimum balance
  • Free MasterCard® check card
  • Free online banking with bill pay
  • Free eStatements
  • Direct deposit available
  • FDIC insured
  • $100 deposit to open

*APY = Annual Percentage Yield

Qualifications

It’s so easy to qualify for the reward rate and ATM fee refunds…chances are, you’re doing them already! Here’s all you have to do:

  • Have 10 debit card point of sale purchases that post and clear per qualification cycle
  • Have at least one direct deposit or one auto debit monthly that will post and clear each qualification cycle
  • Elect to receive your monthly statement electronically

See how easy it is? Do these simple everyday banking tasks and you’re set! And if for some reason you don’t qualify in a given month, don’t worry—you’ll still get unlimited free checking, and you’ll receive our base rate of interest of 0.05% APY*.  And you can qualify to get the reward back the very next month!

*APY = Annual Percentage Yield

More Info

Annual Percentage Yield (APY) accurate as of October 24, 2014.  Personal accounts only.  Minimum to open account is $100. Rate tiers are as follows: Reward Rate 1.25% APY applies to balances of $.01 – $30,000 and 0.10% APY paid on balances over $30,000 as long as qualifications are met each statement cycle.  Base Rate 0.05% APY will be earned on all balances if qualifications are not met.  All balances will earn 1.25% APY to 0.10% APY as long as qualifications are met.  Rates may change after the account is opened.  Fees may reduce earnings.  Check card purchases must clear and be posted to your account within the qualification cycle to receive the reward rate.  ATM transactions do not qualify.  A direct deposit or electronic payment must be recurring, third-party initiated and post and clear your account within the qualification cycle. Other bank ATM fees will be calculated to the best of the bank’s knowledge based on the incoming data received from the bank’s EFT processor for fee refunds.  Limited number of accounts per household.

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Coast Free Checking

This checking account offers all that you want without things you don’t — that means no monthly maintenance fee, no minimum balance, and no per check charges.  So your money stays yours, the way it should be.

Summary

  • No monthly fee
  • No minimum balance
  • Unlimited check writing
  • Free MasterCard® check card
  • Free online banking with bill pay
  • Free eStatements
  • Monthly image statements available
  • Direct deposit available
  • FDIC insured
  • $50 deposit to open

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Senior Checking

If you’re 60 years of age or better, we think you’ve earned some extra privileges.  This free checking account was designed just for you, offering a solid interest rate, free custom checks, and discounted safe deposit box rentals too.  Take advantage of this account and take a break from regular checking.  You’ve earned it!

Summary

  • Interest bearing account
  • No monthly fee
  • Balances of $1,000 or more earn interest
  • Unlimited check writing
  • Free cashiers checks and custom style checks
  • Discounts on safe deposit boxes
  • Free MasterCard® check card
  • Free online banking with bill pay
  • Free eStatements
  • Monthly image statements available
  • Direct deposit available
  • FDIC insured
  • $100 deposit to open

Check out our rates.

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