Small Business Checking Accounts

Palmetto Citizens offers checking accounts to provide your business with a simple, cost-effective way to manage your cash flow. We offer checking solutions for high-volume and low-volume users as well as non-profit organizations.

Account Types

Low Volume - No minimum balance or monthly fee, 100 free debits/credits and 150 free check deposits per month ($0.30 fee per transaction over allotted amount).

High Volume - 100 free debits/credits and 150 free check deposits per month ($0.20 fee per transaction over allotted amount). $2,000 minimum balance required to avoid monthly fee.

Non-Profit - This interest bearing account requires no minimum balance or monthly fee. 100 free debits/credits and 150 free check deposits are allowed per month ($0.15 fee per transaction over allotted amount).

Other Features

Debit Card Rewards - Earn points each time you choose credit when using your debit card. There is no fee or activation required. You can redeem points for brand name merchandise and travel accommodations by logging into online/mobile banking and selecting 'ScoreCard Rewards' from the menu or at www.scorecardrewards.com. Visit our Rewards Page for more information or log into your account online or with our app and choose 'ScoreCard Rewards' from the menu.

Premium Sweep Account - Designed to earn business members higher interest, money above a pre-determined balance will be swept from your checking account into an interest bearing Premium Sweep Money Market Account. As necessary, funds are swept back into the checking account based upon your pre-determined balance.

Overdraft Privilege - This safety-net feature covers transactions should you mistakenly overdraw your account or need funds in an emergency. There is no-cost to add this layer of protection on your account and you are only charged a fee* when the service is used. If you have not already done so, you can opt in by logging into your account online (not available in our app) and choosing 'Overdraft Privilege Opt-In' from the side menu or by visiting any of our offices.

eStatements - Sign up for eStatements and you will receive your statement faster than traditional mail, have access to the past 18 months of statements, be protected by the latest security measures and help protect the environment.

Account Access - Manage your account from anywhere with our online access, mobile apps and touchtone phone system. We also have ATMs located throughout the Midlands and access to a nationwide surcharge-free network.

*No Overdraft Privilege fee charged on transactions of less than $3. Maximum of four Overdraft Privilege fees charged to an account per day.