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.
Premier Savings
Designed for both individuals and businesses, Premier Savings allows you to earn twice the interest you may be earning at another bank and easy access to your money when you need it.
- Earn high 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
- Access your account with ATM card
Regular Savings
A basic savings account for people who want immediate access to savings funds.
- 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
Round up to Save
- Each time you use your VISA® CheckCard, we'll round up your purchase to the next dollar and transfer the excess amount automatically into your SCBT Savings Account.*
- In addition, 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 and Savings Account Required.
Health Savings Account
The HSA is a savings account that allows individuals 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 taxes.5 HSA funds may be accessed at any time with an HSA VISA® CheckCard or checks.
- Earns interest
- HSA VISA® CheckCard
- First order of HSA Checks at no charge
- Phone and Online Banking
- Contributions may be tax deductible, and interest earned may be tax-deferred5
- Anytime access to pay for medical expenses
- Minimum opening balance is $5006
Minor Savings Account
An account for individuals under the age of 18 that earns interest and is opened by a parent or guardian.
- Low opening balance
- No minimum balance
- 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
Christmas Club Account
Plan ahead and avoid the stress of holiday shopping by saving all year for gifts.
- Earns interest
- Choose the amount you want transferred from SCBT savings or checking account weekly, bi-weekly or monthly into your Christmas Club Account
- On first business day of November, account balance plus interest automatically transfers into a SCBT savings or checking account
Market Rate Checking
Earn money market interest rates while enjoying convenient access to your account.7
- $1,000 minimum opening balance
- Earns money market interest rate
Premium Money Market
Maintain a higher balance and enjoy convenient account access and higher interest rates than standard Market Rate Checking.7
- $10,000 minimum opening balance
- Earns a higher money market interest rate
CDs
CDs (Certificates of Deposit) 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
5Consult your tax advisor concerning contribution amounts and tax deductibility.
6If a systematic direct deposit account is set up, then the opening balance is $50.
7Federal regulations allow you to make any number of withdrawals and transfers in person, at ATMs, or by mail. However, you may not make more than six (6) other types of transfers (including by telephone, Phone Banking, and Online Banking) or withdrawals per monthly statement cycle, with only three (3) of these by check or other transfers to thrid parties.
