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People You Know & Trust 843-839-0100

Find the account that's right for you using this comparison chart. Click on the account name for additional information about each type of account.

 Description Premier Checking

A relationship package account

Interest Checking

Earns a competitive rate of interest

Senior Checking

For customers age 55 or better

Student

Provides convenient access to funds

Free Checking

Provides free unlimited check writing

Money Market

Earn even more as your savings grow

Minimum Opening Deposit $100 $100 $100 $50 $100 $1,000
Monthly Maintenance Fee $20

$8

$0.25 per paper debit

$8 None None

$9

$10 per withdrawal over limit of 6 per statement cycle

Monthly maintenance fee can be waived with one of the balance or other qualifiers listed: $2,500 minimum daily balance or $5,000 average ledger balance or $15,000 combined daily balance in linked checking, savings, IRAs, or CDs

$25,000 outstanding balance in personal loans or home equity lines of credit
$500 minimum daily balance, or $1,000 average ledger balance, or $5,000 combined daily balance in linked checking, savings, CD or IRA Monthly direct deposit or $500 minimum daily balance or $1,000 average ledger balance or $2,500 combined daily balance in linked checking, savings, CD, or IRA None None $1,000 minimum daily balance or $2,000 average ledger balance
Earns Interest

Yes

Compounded daily and credited monthly

Yes

Compounded daily and credited monthly

Yes

Compounded daily and credited monthly

No

No

Yes

Compounded daily and credited monthly

Interest Tiers

$0.01 - $2,499.99

$2,500 - $24,999.99

$25,000 and greater

Collected balances $0.01 and greater

Collected balances $0.01 and greater

 

 

$1,000 - $9,999.99

$10,000 - $24,999.99

$25,000 - $49,999.99

$50,000 and greater

Unlimited check writing

Yes

Yes

Yes

Yes

Yes

No*

Free standard checks

Yes, for the life of the account

No

Yes, limit of 2 boxes per calendar year

No

No

No

Free QuickCard Debit Card

Yes

Yes

Yes

Yes

Yes

Yes

Unlimited No Fee or Surcharge ATM Withdrawals

Yes

Yes

Yes

Yes

Yes

No*

Ready Reserve Overdraft Protection Available (Subject to credit approval

Yes

Yes

Yes

Yes

Yes

No

Electronic Statement Available

Yes

Yes

Yes

Yes

Yes

Yes

Free Cashier's Checks

Yes

No

No

Yes

No

No

Internet Banking with Bill Payment Service

Yes

Yes

Yes

Yes

Yes

Yes*

Telephone Banking

Yes

Yes

Yes

Yes

Yes

Yes

*Federal regulations allow unlimited withdrawals and transfers at teller windows, ATMs, and by mail.  Telephone withdrawals (made via check mailed to customer) are also unlimited. All other types of transfers and withdrawals are limited to six per statement cycle, made by check, draft, debit card, or similar order to third parties.

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Premier Checking

This special package account rewards you for your relationship with South Atlantic Bank.

 Features and Benefits
  • Unlimited check writing
  • Just a $100 deposit to open
  • All balances earn interest
  • Interest is compounded daily and credited monthly
  • Four balance options to avoid fees
  • FREE standard checks for the life of the account
  • FREE cashier's checks
  • FREE QuickCard Debit Card
  • Unlimited, FREE ATM Use (Never a fee or surcharge!)
  • Free Online Banking with Bill Payment Service
  • Free Telephone Banking
  • Monthly statement via E-Docs or U.S. Mail
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Interest Checking

You can earn a competitive rate of interest while enjoying unlimited access to your funds with our Interest Checking account.

 Features and Benefits
  • Unlimited check writing
  • Just a $100 deposit to open
  • All balances earn interest
  • Interest is compounded daily and credited monthly
  • Three balance options to avoid fees
  • $8 monthly maintenance fee and $0.25 per paper check if balance is not maintained
  • FREE QuickCard Debit Card
  • Unlimited, FREE ATM Use (Never a fee or surcharge!)
  • Free Online Banking with Bill Payment Service
  • Free Telephone Banking
  • Monthly statement via E-Docs or U.S. Mail
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Senior Checking

Designed for customers age 55 or better, our Senior Checking provides unlimited check writing and a lot more, at no cost!

 Features and Benefits
  • Unlimited check writing
  • Just a $100 deposit to open
  • All balances earn interest
  • Interest is compounded daily and credited monthly
  • FREE standard checks (Limit 2 boxes per calendar year)
  • No penalty for early redemption of CDs due to medical emergency
  • FREE QuickCard Debit Card
  • Unlimited, FREE ATM Use (Never a fee or surcharge!)
  • Free Online Banking with Bill Payment Service
  • Free Telephone Banking
  • Monthly statement via E-Docs or U.S. Mail
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Student Checking

Our account provides students from the age of 14 to 22 with free, unlimited check writing. If student is younger than age 18, a parent must be a co-owner on the account. Valid student ID required.

 Features and Benefits
  • NO monthly maintenance fees
  • Unlimited check writing
  • Just a $50 deposit to open
  • No minimum balance requirements
  • FREE QuickCard Debit Card
  • Unlimited, FREE ATM Use (Never a fee or surcharge!)
  • Free Online Banking with Bill Payment Service
  • Free Telephone Banking
  • Monthly statement via E-Docs or U.S. Mail
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Free Checking

Our account provides you with free, unlimited check writing.  It's perfect for young adults or anyone who needs a basic transaction account.

 Features and Benefits
  • NO monthly maintenance fees
  • Unlimited check writing
  • Just a $100 deposit to open
  • No minimum balance requirements
  • FREE QuickCard Debit Card
  • Unlimited, FREE ATM Use (Never a fee or surcharge!)
  • Free Online Banking with Bill Payment Service
  • Free Telephone Banking
  • Monthly statement via E-Docs or U.S. Mail

Ready Reserve Overdraft Protection is available on all of the above checking accounts.

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Money Market Checking

Higher balances will earn higher rates with this premium Money Market Account.

 Features and Benefits
  • Open your account with a $1,000 deposit
  • Collected balances of $1,000 or more earn interest
  • Interest is compounded and credited monthly
  • Four interest tiers that reward you for saving
  • Limited check access*
  • Free Online Banking with Bill Payment Service
  • Free Telephone Banking
  • Monthly statement via E-Docs or U.S. Mail  

*Federal regulations allow unlimited withdrawals and transfers at teller windows, ATMs, and by mail.  Telephone withdrawals (made via check mailed to customer) are also unlimited. All other types of transfers and withdrawals are limited to six per statement cycle, made by check, draft, debit card, or similar order to third parties.

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