Checking Account Offers in South Carolina

If you live in South Carolina and you’re looking for some of the best checking account offers, your local First Bank can help. We offer a variety of checking account options—from basic accounts to accounts with tons of features to premium accounts that earn interest.

Checking Accounts at First Bank

First Bank is one of the best banks for checking accounts in South Carolina.

Each of our checking accounts comes with free online and mobile banking,* online bill pay, and free eStatements or paper statements. Our checking account offers include:

Everywhere Checking — our most basic account.
Everywhere Plus — an account that has all the benefits of Everywhere Checking, plus the chance to earn interest on your balance.
Everywhere Premium — an account that has all the basics of Everywhere Plus, plus additional complimentary services.
Campus Checking — an account designed for students between ages of 16 and 25.
Senior Checking — an account designed specifically for seniors over 55.

Compare our checking account offers to see which one is the right fit for you.

Find a First Bank Near You

Find a South Carolina First Bank location near you to learn more about our account offers or click here to open an account online today.

While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. The First Bank Digital Banking Apps are available for select mobile and tablet devices. There is no charge from First Bank, but message and data rates may apply. Must enroll in First Bank Online Banking and download the First Bank Digital Banking App from the App Store or Google Play. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. Android and Google Play are trademarks of Google Inc. Out of network terminal owners may charge a service fee.

Share:

You may be interested in...

First Bank Loans Between banks and online lenders, you have a lot of options to choose from when you need a loan. But not all loans are created equal, and First Bank loans are a step above the rest. If you are in need of a loan, visit your local First Bank. We offer a variety of loan options, from personal loans to mortgage loans, with highly competitive rates. Loans Available at First Bank First Bank loans come in a variety of forms, each with competitive rates and flexible terms: Personal loans. Gain instant borrowing power with a personal credit line or use the equity in your home to secure a home equity loan. Business loans. Use a credit line, lump-sum business loan, or construction loan to finance your business. Credit cards. Take advantage of no annual fees and competitive interest rates to complete personal or business transactions today and pay for them tomorrow. Mortgages. Conventional, government, jumbo, commercial, and professional loans are all possible with a First Bank loan. Applying for a First Bank Loan Applying for a loan is simple with First Bank. For a business loan, talk to one our experts during a small business financial consultation. An application for a mortgage loan can be filled out online. For personal loans or credit cards, just contact your nearest First Bank and speak to one of our associates. Whether it’s building a business or moving into your dream home, a First Bank loan can help you with some of life’s biggest purchases. Loans subject to credit approval. ——— Sources: Investopedia: http://www.investopedia.com/terms/o/overdraft-protection.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186 Investopedia: http://www.investopedia.com/terms/i/interest.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186 2 min read

High Interest Checking Accounts – North Carolina A high interest checking account in North Carolina can offer a safe, steady solution for those who want to grow their money without much risk. At First Bank, we have several branches conveniently located across the state to help make high-interest checking accounts more accessible. Our Everywhere Plus account allows you to build interest on a minimal balance requirement and comes complete with: Free online and mobile banking. Free automated online bill payments. Free monthly statements delivered by paper or electronically. Free email, phone call or text message alerts to notify you of any account activity. The ability to avoid monthly maintenance fees by keeping a minimum or average collected balance. Looking for a High Interest Account with Benefits in North Carolina? If you’re looking for a high-interest checking account that offers even a little bit more, our Everywhere Premium account might be for you. With Everywhere Premium you’ll earn interest with a minimum balance requirement and benefit from all the perks of Everywhere Plus in addition to: No First Bank transaction fees at non-First Bank ATMs. Free member checks or 50% off of alternate designs and four free official checks per month. The ability to avoid monthly maintenance fees by maintaining certain monthly requirements. If you run a North Carolina business and you’re looking to build interest on your business funds, First Bank also has an interest-bearing business checking account. The account comes with all the features of Everywhere Plus and includes such business-friendly benefits as 250 free transactions per month and up to $10,000 in cash or coin deposits per month at no charge. High Interest Checking Accounts for NC Businesses First Bank also offers high-interest checking accounts for businesses. With our Business Interest account, you can make 250 transactions per month, earn rewards benefits with a First Bank credit card and enjoy free 24-hour telephone banking. With our Business Advantage Plus account, you get all of the benefits of Business Interest, as well as 500 free transactions per month and cash or coin deposits of up to $25,000 every month at no charge. Open a First Bank Checking Account Today To open a high interest checking account at First Bank, all you have to do is visit your nearest North 3 min read

New to Working From Home? Here’s How to Do It Safely To help mitigate the threat of COVID-19, businesses and employees are finding themselves taking part in the biggest “work from home” experiment ever tried. If you are one of those business owners or employees, here are some security tips to help protect you and your data while you work in your home office. 3 min read

Credit Scores 101: Why They Matter and How to Improve Yours Why Does Your Credit Score Matter? A strong credit score opens up more opportunities — you can get a loan to help you buy a new car or purchase a home — and it helps you pay less by reducing the interest rate you pay when you do borrow money. When it comes to big purchases, a lower rate can save you hundreds or even thousands of dollars over time On the other hand, a poor credit score can lead to higher interest rates, increased insurance premiums, and limited access to credit, making it more expensive to achieve financial goals. Here are some of the biggest benefits of having a high credit score: Lower Interest Rates: With a higher credit score, you’re likely to qualify for lower interest rates on mortgages, auto loans, and personal loans. Lower interest rates save you money over time, making large purchases more affordable. Better Loan Approval Odds: A strong credit score boosts your chances of approval when applying for new credit, such as a car loan or mortgage, which makes major milestones more achievable. More Favorable Credit Card Offers: Many of the best credit cards, with valuable rewards programs that offer cash back on purchases and perks like travel insurance, require good to excellent credit. Reduced Insurance Premiums: Some insurance companies consider credit scores when determining premiums for car and home insurance. A good score means you could save money every month. Learning to manage your money? Explore our library of helpful guides, financial tips, and more. Dive in 7 Ways to Improve Your Credit Score Improving your credit score isn’t a quick fix, but with consistency and smart financial practices, you can build a solid score over time. Here are seven strategies to help you improve your credit score: 1. Pay Your Bills on Time Payment history is one of the most important factors in your credit score. If lenders know you routinely make payments on time, they’ll be more willing to lend you money and give you a better deal. If you have a hard time remembering to pay your bills before they’re due, consider setting up automatic payments or calendar reminders to stay on track. 2. Reduce Your Credit Card Balance Aim to keep your credit utilization ratio — or the amount of credit you’re currently using compared to your total credit limit—below 30%. That means that if your total credit limit is $10,000, your balance should ideally be under $3,000 to avoid a negative impact to your credit score. Whenever possible remember to pay off your full credit card balance each month. Not only is it great for your credit, but it also helps prevent you from accruing additional charges like interest or late fees. 3. Only Apply For Credit When You Need It Each time you apply for new credit, like a credit card or a personal loan, a hard inquiry is recorded on your report. Although a single application isn’t hugely impactful, it can temporarily lower your score — and multiple applications add up. Applying for credit sparingly can help you maintain your score or avoid a negative impact. Only apply for credit you truly need to, and try to limit applications within a short time frame if you’re applying to multiple lenders for a loan. Typically, applications for credit made within a 14-day period are all treated as one, so you can safely reach out to a few prospective lenders without fear of damaging your score. 4. Increase Your Credit Limit (But Be Cautious) Asking your card servicer for a higher credit limit can reduce your credit utilization ratio, even if your spending habits don’t change. Dropping below the 30% threshold is a step in the right direction for improving your credit score — however, it’s important that the higher limit doesn’t tempt you to spend above your means. Remember that you should treat your credit card spending the same as you would treat cash in your wallet. While credit cards have the advantage of being flexible in an emergency, it’s easy to rack up debt if you aren’t careful. 5. Diversify Your Credit While it may seem fiscally responsible to have only a single credit card that you routinely pay down, lenders like to see a mix of credit types. Multiple credit cards, auto loans, and mortgages all factor into the mix. Some apartment complexes and utility providers also report on-time payments to credit bureaus. Having a diverse credit profile demonstrates your ability to manage different types of credit responsibly. Of course, you also shouldn’t take on debt simply to prove a point! Don’t open new accounts solely for the sake of credit diversity, as it’s only a small piece of your overall score. 6. Keep Your Old Accounts Open The length of your credit history plays a role in your score. Keeping older accounts open, even if you no longer use them regularly, helps increase the average age of your accounts. Closing old accounts can reduce your available credit — which increases your credit utilization ratio — and shorten your credit history. Depending on the type of account, it may also reduce the diversity of your credit mix. All of that comes together to potentially lower your credit score. 7. Regularly Check Your Credit Report It’s important to know what’s helping and hurting your credit score. By understanding what’s dragging your score down, you can come up with a plan to improve your credit over time — and by keeping an eye on your report, you’ll know if any fraudulent accounts or collections appear. If you do have a collection on your account, remember that you can always dispute it. By law, you can get a free copy of your credit report every 12 months from each of the three major credit bureaus through AnnualCreditReport.com. Put some time on your calendar each year (or more often!) to review your credit reports and come up with a plan. Need Help Building or Rebuilding Your Credit? Good credit can save you thousands of dollars over time. If you’re working to establish or rebuild your credit, a secured credit card can be an excellent tool to achieve your financial goals. That’s why we offer the First Bank Platinum Secured Credit Card, which is designed specifically for those with a lower credit score or no credit history. Accepted worldwide, equipped with fraud protection, and easy to manage through our online portal, this card gives you the flexibility and security you need to develop a strong credit profile. By consistently making on-time payments and keeping balances low, you can use this card to strengthen your credit and create new opportunities for yourself in the future. 6 min read

Checking Account Offers in South Carolina

Ready to talk to an expert?

Checking Accounts at First Bank

Find a First Bank Near You

Ready to talk to an expert?

You may be interested in...