Search
  • People You Know & Trust
  • Call Us at 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 Free Checking

Provides free unlimited check writing

Interest Checking

Earns a competitive rate of interest

Senior Checking

For customers age 50 or better

Premier Checking

A relationship package account

Money Market

Earn even more as your savings grow

Minimum Opening Deposit $100 $100 $100 $100 $1,000
Balance Requirement to Avoid Fees None $500 minimum daily balance, or $1,000 average ledger balance, or $1,000 minimum daily balance in a linked savings account None $2,500 minimum daily balance $5,000 average ledger balance $15,000 combined daily balance in checking savings, IRAs or CDs $25,000 home equity line of credit $1,000 minimum daily balance or $2,000 average ledger balance
Fees None $8 monthly maintenance fee and $0.25 per paper debit if balance requirements is not maintained None $20 monthly maintenance fee if balance is not maintained

$9 monthly maintenance fee if balance requirement is not maintained

$10 per withdrawal over limit of 6 per statement cycle

Pays Interest

No

Yes

Compounded daily and credited monthly

Yes

Compounded daily and credited monthly

Yes

Compounded daily and credited monthly

Yes

Compounded daily and credited monthly

Interest Tiers

 

Collected balances $0.01 and greater

Collected balances $0.01 and greater

$0.01 - $2,499.99
$2,500 - $24,999.99
$25,000 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

No*

Free standard checks for the life of the account

No

No

Yes

Yes

No

Free MasterCard® Debit Card

Yes

Yes

Yes

Yes

Yes

Unlimited No Fee or Surcharge ATM Withdrawals

Yes

Yes

Yes

Yes

No*

Ready Reserve Overdraft Protection Available (Subject to credit approval

Yes

Yes

Yes

Yes

No

Electronic Statement
Available

Yes

Yes

Yes

Yes

Yes

Special CD Rates

No

No

No

Yes

No

Free Official Checks

No

No

No

Yes

 

Internet Banking with Bill Payment Service

Yes

Yes

Yes

Yes

Yes*

Telephone Banking

Yes

Yes

Yes

Yes

Yes

Other Benefits

 

 

No penalty for early redemption of CDs due to medical emergency

No penalty for early redemption of CDs due to medical emergency

 

*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.

back to top

Free Checking

Our account provides you with free, unlimited check writing.  It's perfect for college students, 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 MasterCard® 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

back to top

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 requirement options to avoid fees
  • $8 monthly maintenance fee and $0.25 per paper check if balance is not maintained
  • FREE MasterCard® 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

back to top

Senior Checking

Designed for customers age 50 or better, our Senior Checking provides unlimited check writing and a lot more, at no cost!

 Features and Benefits
  • NO monthly maintenance fees
  • Unlimited check writing
  • Just a $100 deposit to open
  • All balances earn interest
  • Interest is compounded daily and credited monthly
  • FREE standard checks for the life of the account
  • No penalty for early redemption of CDs due to medical emergency
  • FREE MasterCard® 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.


back to top

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 requirement options to avoid fees
  • FREE standard checks for the life of the account
  • FREE official checks
  • No penalty for early redemption of CDs due to medical emergency
  • FREE MasterCard® 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.


back to top

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.


back to top