Business Checking

In compliance with the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notifies you that restricted transactions are prohibited from being processed through any account with First National Bank of South Carolina. As of June 1, 2010, Regulation GG prohibits restricted transactions in your account. Restricted transactions include, but are not limited to, checks, debit or credit card transactions, ACH, or drafts that are knowingly accepted in connection with unlawful internet gambling. We may block or reject any restricted transactions or close any account we believe is in receipt of such transactions. If this doesn't apply to your business, no action is required. 

Minimum Business Checking

At First National Bank of South Carolina, we understand the needs of a Small Business. This account was created for those businesses with low volume and need a lower minimum balance requirement. 

• Minimum Deposit to Open: $200.00

• Minimum Balance to Avoid Service Maintenance Fee: $500.00

• If the balance falls below $500, there is a $8.00 maintenance fee per statement cycle, plus $.45 per debit transaction. This is waived the first statement cycle

• Limited to 150 Transaction Items Per Statement Cycle

• Imaged Checks Returned with Each Monthly Statement

• FREE Online Banking

• FREE Check Card

• FREE Use of FNBSC's ATMs

Commercial Analysis Checking

As your business grows, so does your account activity. If you process more than 150 items per statement cycle, then this is the account for you. Monthly fees are determined based on the activity of the account after an earnings credit reduction. 

• Minimum Deposit to Open: $200

• Monthly Maintenance Fee: $10.00

  • Per Item Paid: $0.20

  • Per Deposit: $0.18

  • Per Deposit Item: $0.11

  • Coin Issued - Per Roll: $0.05

  • Currency Issued - Per $100: $0.15

  • Currency Deposited - Per $100: $0.17

• Imaged Checks Returned with Each Monthly Statement

• FREE On-Line Banking

• FREE Check Card

• FREE Use of FNBSC's ATMs

• Returned Items - Chargeback: $12.00

• Returned Items - Special Handling: $13.00

• Special Handling NSF Checks over $2500: $6.00

• Stop Payments: $35.00

Interest Earning Business Checking

This interest-bearing checking account is available to non-profit organizations, sole proprietorships, estates, churches, and trust or escrow accounts. 

NOW Minimum Business Checking 

An interest-bearing checking account for low-volume business customers that are non-profit organizations, sole proprietorships, estates, churches, and trust or escrow accounts.

• Minimum Deposit to Open: $200

• Minimum Balance to Avoid Maintenance Fees: $1,000

• If the balance falls below $1,000 at any time during the statement cycle, there is an $10.00 maintenance fee per statement cycle, plus $.45 per check or debit. This is waived the first statement cycle

• Limited to 150 Transaction Items Per Statement Cycle

• FREE Online Banking

• FREE Check Card

• FREE Use of FNBSC's ATMs

For current rate information, please contact a customer service representative

Money Market Account

 For those individuals or businesses who want their money to earn premium interest rates associated with a certificate of deposit while maintaining the accessibility of funds through a checking account.

• Minimum Deposit to Open: $500

• Minimum Balance to Avoid Maintenance Fees: $500

• If the balance falls below $500 at any time during the statement cycle, there is a $6.00 maintenance fee per statement cycle, plus $.35 per debit transaction

• Variable Interest Paid Based on Collected Balance. (please see a CSR for current rate information)

• ACCELL / EXCHANGE ATM 24-HOUR Banker Card is Available. (separate application required)

• Imaged Checks Returned with Each Monthly Statement

• Number of Transactions are Limited to Six(6) Per Statement Cycle by Check, Draft, Debit Card or Similar Order to Third Parties