Savings Accounts
Whether you're bankrolling your child's college tuition or just saving for a rainy day, our savings, money markets and CDs are here to save the day. All of our savings accounts earn interest and your deposits with us are FDIC insured.
Personal Savings4
A basic savings account for people who want immediate access to savings funds.
- $50 minimum opening balance
- Interest accrues daily and is paid quarterly
- Three (3) free withdrawals per quarter
- Quarterly statement
- Withdrawals/transfers via Phone Banking, Online, ATM or in-branch visit
- Free eStatements
- Round Up To Save available
- Mobile Banking
Round Up to Save
Round Up To Save is a free service that allows you to pay yourself each time you make a purchase. All you need is an SCBT checking account, savings account4 and VISA® Debit Card.
Each time you use your SCBT VISA® Debit Card, we'll round up your purchase to the next dollar and transfer the excess amount automatically into your SCBT Savings Account.
Even better, SCBT will match 5% of your contributions, up to $250 maximum annually. So, pay yourself each time you make a purchase and watch your savings grow.
SCBT Personal Checking and Savings Accounts Required.
Premier Savings4
This account allows you to earn a higher interest rate than you may be earning at another bank and easy access to your money when you need it.
- $5000 minimum opening balance
- Tiered interest rates
- Interest accrues daily and is paid quarterly
- Ten (10) free withdrawals per quarter
- Six (6) transfers per month via Phone Banking, Online, ATM or in-branch visit
- Quarterly statement
- Free eStatements
- Round Up To Save available
- Mobile Banking
Health Savings Account
The HSA is a savings account that allows individuals with a High Deductible Health Plan (HDHP) to pay for qualified medical expenses like prescriptions, co-pays, dental care, eye care and more. Contributions made to the HSA account earn interest and may help you save on taxes1. HSA funds may be accessed at any time with an HSA VISA® Debit Card or checks.
- No minimum opening balance
- No fees
- Competitive interest rates
- HSA VISA® Debit Card
- Free first order of checks
- Online Banking
- Mobile Banking
- Free eStatements
- Phone Banking
- Contributions may be tax deductible, and interest earned may be tax-deferred1
- Anytime access to pay for medical expenses
Minor Savings4
An account for individuals under the age of 18 that earns interest and is opened by a parent or guardian.
- $25 minimum opening balance
- No maintenance fee
- Interest accrues daily and is paid quarterly
- Three (3) withdrawals per quarter with no penalty
- Quarterly statement
- Withdrawals/transfers via in branch only by parent or guardian on account
- Free eStatements
- Round Up To Save available
Christmas Club
Plan ahead and avoid the stress of holiday shopping by saving all year for gifts.
- $5 minimum opening balance
- Earns interest
- Choose the amount you want transferred from your SCBT savings or checking account weekly, bi-weekly or monthly into your Christmas Club Account
- On the first business day of November, account balance plus interest automatically transfers into your SCBT savings or checking account.
- Online Banking
- Free eStatements
- Phone Banking
- Round Up To Save available
Personal Money Market3
Earn money market interest rates while enjoying convenient access to your account.3
- $5,000 mimimum opening balance
- Tiered interest rates
- Online Banking
- Free eStatements
- Phone Banking
- Mobile Banking
Premier Money Market3
Maintain a higher balance and enjoy convenient account access and higher rates.
- $10,000 minimum opening balance
- Tiered interest rates
- Online Banking
- Free eStatements
- Phone Banking
- Mobile Banking
Certificates of Deposit (CDs)
CDs can play a central role in your overall savings plan, as interest does not change over the term of the CD. Based on your needs, SCBT has competitive rates and terms and an automatic renewal option for your convenience.
- $1,000 minimum opening balance
- Maturity dates up to 5 years
1Consult your tax advisor concerning contribution amounts and tax deductibility.
2If a systematic direct deposit account is set up, then the minimum opening balance is $50.
3Transaction restrictions apply. Ask for details.
4Transaction restrictions apply. Ask for details.
*Excludes Health Savings Account and Money Market Accounts.
