We understand there are times that your checking account may accidentally be out of balance.
Maybe you made a mistake balancing your checkbook, or you had to make a payment before funds were available. These things happen. Whatever the reason, we've got you covered. SCBT has several overdraft protection options available.
Automated Overdraft Privilege (AOP)1 is available for all personal checking accounts. Instead of returning account items when sufficient funds are not available, we will pay those items for you2.
We also offer an overdraft protection plan called Ready Reserve which is a credit-based product and may be less expensive than our standard overdraft practices. This plan may incur interest charges, but not an overdraft fee.
Click here to learn more about overdraft protection from SCBT.