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Personal Banking Fee Schedule

Fees effective as of January 10, 2014

Share Savings Fees
Account Service Fee $3.00/month1
Account Withdrawal Fee $3.00/withdrawal, if more than three (3) per month
Low Balance $5.00/month, if combined average daily balance is less than $1002
Checking Fees Fees
Premium Checking $10.00 /month if qualifying relationship is not met. Waived for accounts opened 30 days or less
Simple Checking $5.00/month if qualifying relationship is not met. Waived for accounts opened 30 days or less
Christmas Club & MY Whatever Savings Fees
Account Withdrawal Fee $3.00/withdrawal, if more than four (4) per year
Money Market Fees
Account Withdrawal Fee $10.00/withdrawal, if more than six (6) per month
Low Balance Fee $10.00/month, if daily balance requirement is not met
Safe Deposit Box Annual Rental Fees
3 x 5 Size $30.00/year
5 x 5 Size $43.00/year
3 x 10 Size $46.00/year
5 x 10 Size $63.00/year
10 x 10 Size $106.00/year
Change of Locks $125.00/lock
Drilling of Boxes $125.00/box
Premium Checking Member $20.00/year discount on any box size
Account Fees
Negative Balance $5.00/day after fifth day3
Courtesy Pay $35.00/item4
Non-Sufficient Funds (NSF) $35.00/item
Returned Deposit Item $10.00/item
Stop Payment $35.00/request
Stop Payment Delete Fee $12.00/request
Check Printing Prices vary depending upon style
Foreign Item Deposit (U.S. Dollars) $5.00/item
Foreign Item Deposit (Other) $10.00/item plus exchange
Overdraft Transfer Fee $2.00/share account overdraft transfer
Electronic Funds Transfer (EFT) Fees
ATM Withdrawal/Transfer Fee $2.00 per withdrawal/transfer ~ waived for Premium Checking
Bill Pay Registered Self-Service Checking Non-Usage Fee $5.00/for every month that zero bills are paid through Bill Pay
Other Service Fees Other Service Fees
Account Reconciliation $10.00/half hour; $10 minimum charge
Account Research $11.00/half hour; $11 minimum charge
Verification of Deposit $15.00 /request
Statement Copy $5.00/copy
Wire Transfer (Incoming) $7.00/transfer
Wire Transfer (Outgoing) $10.00/transfer
Dormant Account $10.00/month after 6 months ~ no fee for members under the age of 18
Check Cashing $3.00/month
Cashier's Check $10.00/check ~ waived for Premium Checking
Invalid ATM Deposit $35.00/deposit
Bad Address $5.00/month after two (2) consecutive months
Account Closing $25.00 if closed within 90 days of opening
Debit Card Replacement Fee $5.00/card ~ waived for Premium Checking
Speedpay Inquire for current fee
Non-Member Fees Non-Member Fees
Replacement Check $5.00/check
Cashing South Carolina Federal Checks $5.00/check
Coin Counter 8% of cash value
ATM Surcharge $3.00/transaction for using foreign cards in South Carolina Federal machines
Share Value Share Value
Par Value of One Share $5.00

Online Banking Enrollment

Enrolling in Online Banking is simple and FREE:

  1. Enter your User ID
  2. Enter Phone Banking PIN as your Password
  3. Click on the LOG IN button

If you don't know your Phone Banking PIN, please contact us at 843.797.8300 (Charleston) or 800.845.0432 (Nationwide).