Premium Checking

If you maintain higher balances in your checking account, you'll love our Premium Checking with dividends and rewards.

Premium Checking features:

• Dividends starting at $2,500
• Premium share certificates available
• Discounted vehicle loan rates, a 0.50% APR reduction*
• Debit card uChoose Rewards, earn points every time you choose "credit" for your debit card purchases
• Premium member service over the phone
• Safe deposit box at a $20 discount per year
• Instant issue debit card
• Free foreign ATM use

And the best part is our Premium Checking monthly fee is waived as long as you maintain an average daily balance¹ of $2,500 in your Premium Checking account or a month-end balance of $5,000 in combined share accounts (savings, checking, and/or Money Market) plus one of the following monthly:

• Monthly direct deposit of at least a single amount of $250² or more and 10 signature-based debit card transactions
• Month-end loan balance³ of $15,000 or more
• Monthly direct deposit of at least a single amount of $250² or more and an open South Carolina Federal Mastercard credit card⁴
• First mortgage

• * Subject to loan approval. Offer applies on external refinances only. Discount only available when payment is automatically deducted from Premium Checking.
• ¹The Average Daily Balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
• ²Direct Deposit must come directly into checking from the payroll source (allocations are not considered).
• ³May combine auto, boat, Personal Access Line, etc. (all consumer loans, excluding First Mortgage and/or credit card).
• ⁴Card must be open and in good standing.