South Carolina Bank and Trust

Checking Solutions

Business GuyWhether you're a medium-sized company with a lot of transactions or a small non-profit with just a few, SCBT has an account that's perfectly suited for your business.


Free Business Checking

A free no-nonsense account for small to mid-sized business
owners wanting to save money.

  • No monthly maintenance fee
  • $100 minimum opening balance
  • 500 free transactions (debits, credits, deposits)
  • Phone and Online Banking
  • Business VISA® CheckCard 
  • Free eStatements

Business Checking

This account was created for businesses with higher transaction levels. The balance maintained can help offset fees.

  • $100 minimum opening balance
  • Fees based on analysis method
  • Fees offset by earning credit on daily collected balances
  • Phone and Online Banking
  • Business VISA® CheckCard 
  • Free eStatements

Business Interest Checking

Ideal for sole proprietors or certain non-profit agencies, this account lets you earn interest and credits to offset fees.

  • $100 minimum opening balance
  • Earns a market rate of interest
  • Unlimited check writing
  • Fees based on analysis method
  • Fees offset by earning credit on daily collected balances
  • Free eStatements 

Civic Checking/Civic Interest Checking

Designed exclusively for non-profits, churches and associations, this is the ideal low-cost money management option.

  • For non-profit organizations only
  • $100 minimum opening balance
  • Unlimited check writing
  • 30 debits at no charge
  • Earns a variable rate of interest (applies only to Civic Interest Checking)
  • Phone and Online Banking
  • Free eStatements 

VISA® Business CheckCard

Your VISA® Business CheckCard works just like a credit card except your purchases are deducted directly from your checking account. This card is accepted at all locations throughout the world that accept VISA®. It also functions as your ATM card. 


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Receive a monthly disk containing your statement, front and back images of all canceled checks, and deposit slips.

  • Search by check number, dollar amount, account number or sequence number
  • Reduce file storage
  • Reconcile accounts more efficiently