Easy Checking Account Switching

Checking Accounts

At Palmetto Citizens, we've designed our checking accounts to fit your needs, whether it's avoiding a monthly fee, earning dividends or managing your account online. Our Classic and Premium checking accounts both offer several benefits and features to help you manage your account.

Classic Checking - Our classic checking account requires no minimum balance and no monthly service charges are imposed. Dividends are earned monthly based on your account's average daily balance of $500 or greater.

Premium Checking - Our Premium checking account is perfect for our members who want to keep a higher balance in their account. There is no monthly fee1 when a minimum balance of $2500 is maintained in the account. Other benefits include:

  • Platinum Debit Card
  • Tiered Dividend Rates
  • Free Checks2
  • Free 3x5 Safe Deposit Box (or discount on larger size)3
  • Free Online Bill Pay4

Reloadable Debit Cards - Our reloadable debit card can be a great tool to learn how to manage your money responsibly or for those who have had issues handling their checking account in the past. Cards can be reloaded at any Palmetto Citizens office or online. Certain fees apply. Learn more.

Other Checking Account Features:

Online & Mobile Account Access - In addition to checking balances and transferring funds, with our online system you can access financial management tools, email/text alerts, remote transfers, online deposits and much more. You may also access your accounts with a web-enabled mobile device through our mobile banking site or an Apple or Android App.

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 your points for brand name merchandise and travel accommodations at www.scorecardrewards.com. Visit our Rewards Page for more information.

Savings Round-Up - With this easy savings option, you can help reach your savings goes faster, just by making everyday purchases. Your debit or ATM card transactions will be rounded up to the nearest dollar, with the difference transferred daily into one of your eligible savings accounts.

ATM Access - No surcharge ATMs are located at each Palmetto Citizens service center as well as throughout the Midlands. For a complete listing of our ATM locations, click here.

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.

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. A $24.50 fee is charged each time this service is used. Click here to opt-in to have full access to this service.

Overdraft Protection - An overdraft protection loan is a line-of-credit designed to protect you from non-sufficient fund and returned check fees. This loan is based on creditworthiness and certain restrictions may apply. Ask a Member Service Representative for more information.

Direct Deposit - Avoid unnecessary trips to deposit your paycheck or other recurring monthly checks.

Duplicate Checks - Most checks are printed in duplicate, giving you an exact copy of every check you write. We also safeguard your cancelled checks at no charge.

TellerLine - Manage your account over the phone by calling (803) 256-4073 or (800) 521-4497.

Verified By Visa - This service provides added security for your online purchases. Once you are enrolled, you will use a password to verify all online transactions. We are pleased to offer you this great service at no additional charge.

Make the Switch

Want to avoid all the fees and stipulations on your checking account but dread the thought of making the switch? You may think it's too inconvenient but Palmetto Citizens makes it easy to change over to our fee-free checking account.

Use the following forms and checklist to ease your switch to Palmetto Citizens checking. These forms will help you change direct deposits, automatic payments and to close accounts with other financial institutions.

To properly view these documents, you will need to download a free copy of Adobe Acrobat Reader.

1Below minimum balance fee: $12; 2Free checks limited to PCFCU custom checks; 3Subject to location availability; 4Transfer limits apply to bill pay.