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Best Checking Accounts & Rates in South Carolina - March 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: March 21, 2026

The best checking rates for South Carolina include Carolina Foothills Federal Credit UnionCarolina Foothills Federal Credit Union520 N Church St, Spartanburg, SC 29303 3034A5.0 ★Texas Ratio: 8.30% Peak Performance Checking at 5.12% APY, Family Trust Federal Credit UnionFamily Trust Federal Credit Union225 White St W, Rock Hill, SC 29730 4039A+5.0 ★Texas Ratio: 4.11% Loyalty Checking at 4.00% APY, Bank of Travelers RestBank of Travelers Rest42 Plaza Dr, Travelers Rest, SC 29690A+5.0 ★Texas Ratio: 0.49% PREMIUM Checking at 2.84% APY, Sharonview Federal Credit UnionSharonview Federal Credit Union1955 Sharonview Way, Indian Land, SC 29707A5.0 ★Texas Ratio: 11.73% High-Yield Checking at 2.00% APY, and Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union1020 Woodruff Rd, Greenville, SC 29607A+5.0 ★Texas Ratio: 4.17% Rewards Checking at 1.76% APY.

Looking for the best checking accounts in South Carolina? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of South Carolina, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in South Carolina. Checking Account Rates Last Updated and Verified: March 21, 2026

South Carolina Checking Rate Trends

Compare local South Carolina checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full South Carolina Checking Trends →
High-Yield Checking — SC Avg
1.080%
▲ 0.943 from last week

South Carolina high-yield checking rates rose 0.943 points this week to 1.080% APY, up from 0.138% last week.

Rewards Checking — SC Avg
2.240%
▲ 0.796 from last week

South Carolina rewards checking rates rose 0.796 points this week to 2.240% APY, up from 1.444% last week.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in South Carolina

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
520 N Church St
Spartanburg, SC 29303 3034
Peak Performance Checking
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
225 White St W
Rock Hill, SC 29730 4039
Loyalty Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $20,000.00

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
PREMIUM Checking
2.84%
$100
View
▼
Rate2.80%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
PREMIUM Checking
2.02%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.73%
1955 Sharonview Way
Indian Land, SC 29707
High-Yield Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $10,000.00

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1020 Woodruff Rd
Greenville, SC 29607
Rewards Checking
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
PREMIUM Checking
1.61%
$100
View
▼
Rate1.60%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
PREMIUM Checking
1.36%
$100
View
▼
Rate1.35%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.87%
1522 Bushy Park Rd
Goose Creek, SC 29445
Checking+ Rewards
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifications Required: eStatements; 1+ online/mobile sign-on monthly; 1+ direct deposit monthly; 15+ settled debit card purchases monthly; Qualifying balance up to $1,000.00

First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1229 W Floyd Baker Blvd
Gaffney, SC 29341
Checking - NOW
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
1722 Gregg Ave
Florence, SC 29501
Palmetto Checking Account
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
1722 Gregg Ave
Florence, SC 29501
Palmetto Checking Account
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
PRESTIGE Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
VALUEPACK Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
163 Forum Dr Ste 1
Columbia, SC 29229 5700
Checking Accounts That Care
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
163 Forum Dr Ste 1
Columbia, SC 29229 5700
Checking Accounts That Care
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1111 Honda Way
Timmonsville, SC 29161
Premier Checking
0.25%
$10,000
View
▼
Rate0.25%
Min Deposit$10,000
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
VALUEPACK Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
PRESTIGE Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
PREMIUM Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
520 N Church St
Spartanburg, SC 29303 3034
Peak Performance Checking
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
225 White St W
Rock Hill, SC 29730 4039
Loyalty Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $20,000.00

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
PREMIUM Checking
2.84%
$100
View
▼
Rate2.80%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
PREMIUM Checking
2.02%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.73%
1955 Sharonview Way
Indian Land, SC 29707
High-Yield Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $10,000.00

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1020 Woodruff Rd
Greenville, SC 29607
Rewards Checking
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
PREMIUM Checking
1.61%
$100
View
▼
Rate1.60%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
PREMIUM Checking
1.36%
$100
View
▼
Rate1.35%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.87%
1522 Bushy Park Rd
Goose Creek, SC 29445
Checking+ Rewards
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifications Required: eStatements; 1+ online/mobile sign-on monthly; 1+ direct deposit monthly; 15+ settled debit card purchases monthly; Qualifying balance up to $1,000.00

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
PREMIUM Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St
Columbia, SC 29201 3382
Premium Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
PREMIUM Checking
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2347 Highway 17n
Mount Pleasant, SC 29466
Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St
Columbia, SC 29201 3382
Premium Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2347 Highway 17n
Mount Pleasant, SC 29466
Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St
Columbia, SC 29201 3382
Premium Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1111 Honda Way
Timmonsville, SC 29161
Interest Checking
0.10%
$1,000
View
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
1835 Bypass 72 NE
Greenwood, SC 29649
Premier Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St
Columbia, SC 29201 3382
Premium Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
1835 Bypass 72 NE
Greenwood, SC 29649
50+ Interest Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1020 Woodruff Rd
Greenville, SC 29607
Rewards Checking
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.87%
1522 Bushy Park Rd
Goose Creek, SC 29445
Checking+ Rewards
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifications Required: eStatements; 1+ online/mobile sign-on monthly; 1+ direct deposit monthly; 15+ settled debit card purchases monthly; Qualifying balance up to $1,000.00

Movement Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
9726 Old Bailes Rd
Fort Mill, SC 29707
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
2518 Main St
Conway, SC 29526 3365
Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $250.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
201 Bi Lo Blvd
Greenville, SC 29607 5346
Everyday Checking Account
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
123 Broadbent Way
Anderson, SC 29625
Freedom 55 Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
520 N Church St
Spartanburg, SC 29303 3034
Teen Checking (Ages 13 - 17)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
Premium Business Checking
2.84%
$0
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
Premium Business Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
Premium Business Checking
1.61%
$0
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
Premium Business Checking
1.36%
$0
View
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
Business VALUEPACK Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
163 Forum Dr Ste 1
Columbia, SC 29229 5700
High Yield Business Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
163 Forum Dr Ste 1
Columbia, SC 29229 5700
High Yield Business Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
Premium Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
Business VALUEPACK Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
42 Plaza Dr
Travelers Rest, SC 29690
Business VALUEPACK Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2347 Highway 17n
Mount Pleasant, SC 29466
Business Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
163 Forum Dr Ste 1
Columbia, SC 29229 5700
High Yield Business Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
3621 Pelham Rd
Greenville, SC 29615
Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$2,500 minimum opening deposit required

Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2347 Highway 17n
Mount Pleasant, SC 29466
Business Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
3621 Pelham Rd
Greenville, SC 29615
Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$2,500 minimum opening deposit required

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U
Greenville, SC 29607 2761
Platinum Business Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
1835 Bypass 72 NE
Greenwood, SC 29649
Premier Business Interest Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No Minimum Balance

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U
Greenville, SC 29607 2761
Classic Business Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Countybank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
419 Main St
Greenwood, SC 29646
Free Business Interest Checking
0.01%
$100
View
▼
Rate0.01%
Min Deposit$100
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
100 Fluor Daniel Dr # C102U
Greenville, SC 29607 2761
Free Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for South Carolina directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in South Carolina. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in SC.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in South Carolina earn interest?

Most traditional local checking accounts in South Carolina earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in South Carolina FDIC insured?

Yes. Legitimate banks with branches in South Carolina are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in South Carolina

Based on our current data, some of the highest checking account APYs available to residents of South Carolina include:
  • Carolina Foothills Federal Credit Union
    Peak Performance Checking — 5.12% APY
  • Family Trust Federal Credit Union
    Loyalty Checking — 4.00% APY
  • Bank of Travelers Rest
    PREMIUM Checking — 2.84% APY
  • Sharonview Federal Credit Union
    High-Yield Checking — 2.00% APY
  • Carolinas Telco Federal Credit Union
    Rewards Checking — 1.76% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in South Carolina. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 21, 2026

South Carolina Rates & Resources

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Checking Account Rates by City in South Carolina

  • Abbeville
  • Adams Run
  • Aiken
  • Alcolu
  • Allendale
  • Anderson
  • Andrews
  • Arcadia
  • Awendaw
  • Aynor
  • Ballentine
  • Bamberg
  • Barnwell
  • Batesburg
  • Batesburg-Leesville
  • Bath
  • Beaufort
  • Beech Island
  • Belton
  • Bennettsville
  • Bethera
  • Bethune
  • Bishopville
  • Blacksburg
  • Blackstock
  • Blackville
  • Blair
  • Blenheim
  • Bluffton
  • Blythewood
  • Bonneau
  • Bowling Green
  • Bowman
  • Bradley
  • Branchville
  • Brunson
  • Buffalo
  • Cades
  • Calhoun Falls
  • Camden
  • Cameron
  • Campobello
  • Canadys
  • Carlisle
  • Cassatt
  • Catawba
  • Cayce
  • Centenary
  • Central
  • Chapin
  • Chappells
  • Charleston
  • Cheraw
  • Chesnee
  • Chester
  • Chesterfield
  • Clarks Hill
  • Clearwater
  • Clemson
  • Cleveland
  • Clifton
  • Clinton
  • Clio
  • Clover
  • Columbia
  • Conestee
  • Converse
  • Conway
  • Coosawatchie
  • Cope
  • Cordesville
  • Cordova
  • Cottageville
  • Coward
  • Cowpens
  • Crocketville
  • Cross
  • Cross Anchor
  • Cross Hill
  • Dale
  • Dalzell
  • Darlington
  • Daufuskie Island
  • Davis Station
  • Denmark
  • Dillon
  • Donalds
  • Dorchester
  • Drayton
  • Due West
  • Duncan
  • Early Branch
  • Easley
  • Eastover
  • Edgefield
  • Edgemoor
  • Edisto Island
  • Effingham
  • Ehrhardt
  • Elgin
  • Elko
  • Elliott
  • Elloree
  • Enoree
  • Estill
  • Eutawville
  • Fair Play
  • Fairfax
  • Fairforest
  • Fingerville
  • Florence
  • Floyd Dale
  • Folly Beach
  • Fork
  • Fort Lawn
  • Fort Mill
  • Fountain Inn
  • Furman
  • Gable
  • Gadsden
  • Gaffney
  • Galivants Ferry
  • Garden City
  • Garnett
  • Gaston
  • Georgetown
  • Gifford
  • Gilbert
  • Glendale
  • Gloverville
  • Goose Creek
  • Gramling
  • Graniteville
  • Gray Court
  • Great Falls
  • Greeleyville
  • Green Pond
  • Green Sea
  • Greenville
  • Greenwood
  • Greer
  • Gresham
  • Grover
  • Hamer
  • Hampton
  • Hardeeville
  • Harleyville
  • Hartsville
  • Heath Springs
  • Hemingway
  • Hickory Grove
  • Hilda
  • Hilton Head Island
  • Hodges
  • Holly Hill
  • Hollywood
  • Honea Path
  • Hopkins
  • Horatio
  • Huger
  • Inman
  • Irmo
  • Islandton
  • Isle Of Palms
  • Iva
  • Jackson
  • Jacksonboro
  • Jamestown
  • Jefferson
  • Jenkinsville
  • Joanna
  • Johns Island
  • Johnsonville
  • Johnston
  • Jonesville
  • Kershaw
  • Kinards
  • Kingstree
  • La France
  • Ladson
  • Lake City
  • Lake View
  • Lamar
  • Lancaster
  • Lando
  • Landrum
  • Lane
  • Langley
  • Latta
  • Laurens
  • Leesville
  • Lexington
  • Liberty
  • Liberty Hill
  • Little Mountain
  • Little River
  • Little Rock
  • Lobeco
  • Lockhart
  • Lodge
  • Long Creek
  • Longs
  • Loris
  • Lowndesville
  • Lugoff
  • Luray
  • Lydia
  • Lyman
  • Lynchburg
  • Manning
  • Marietta
  • Marion
  • Martin
  • Mauldin
  • Mayesville
  • Mayo
  • McBee
  • McClellanville
  • McColl
  • McConnells
  • McCormick
  • Miley
  • Minturn
  • Modoc
  • Moncks Corner
  • Monetta
  • Monticello
  • Montmorenci
  • Moore
  • Mount Carmel
  • Mount Croghan
  • Mount Pleasant
  • Mountain Rest
  • Mountville
  • Mullins
  • Murrells Inlet
  • Myrtle Beach
  • Neeses
  • Nesmith
  • New Ellenton
  • New Zion
  • Newberry
  • Newry
  • Nichols
  • Ninety Six
  • Norris
  • North
  • North Augusta
  • North Charleston
  • North Myrtle Beach
  • Norway
  • Olanta
  • Olar
  • Orangeburg
  • Pacolet
  • Pacolet Mills
  • Pageland
  • Pamplico
  • Parksville
  • Patrick
  • Pauline
  • Pawleys Island
  • Peak
  • Pelion
  • Pelzer
  • Pendleton
  • Perry
  • Pickens
  • Piedmont
  • Pineland
  • Pineville
  • Pinewood
  • Pinopolis
  • Plum Branch
  • Pomaria
  • Port Royal
  • Prosperity
  • Rains
  • Ravenel
  • Reevesville
  • Reidville
  • Rembert
  • Richburg
  • Richland
  • Ridge Spring
  • Ridgeland
  • Ridgeville
  • Ridgeway
  • Rion
  • Rock Hill
  • Roebuck
  • Round O
  • Rowesville
  • Ruby
  • Ruffin
  • Russellville
  • Saint George
  • Saint Helena Island
  • Saint Matthews
  • Saint Stephen
  • Salem
  • Salley
  • Salters
  • Saluda
  • Sandy Springs
  • Santee
  • Sardinia
  • Scotia
  • Scranton
  • Seabrook
  • Sellers
  • Seneca
  • Sharon
  • Shaw A F B
  • Sheldon
  • Silverstreet
  • Simpsonville
  • Six Mile
  • Slater
  • Smoaks
  • Smyrna
  • Socastee
  • Society Hill
  • Spartanburg
  • Springfield
  • Starr
  • Startex
  • State Park
  • Sullivans Island
  • Summerton
  • Summerville
  • Sumter
  • Sunset
  • Swansea
  • Sycamore
  • Tamassee
  • Tatum
  • Taylors
  • Tigerville
  • Tillman
  • Timmonsville
  • Townville
  • Travelers Rest
  • Trenton
  • Troy
  • Turbeville
  • Ulmer
  • Una
  • Union
  • Van Wyck
  • Vance
  • Varnville
  • Vaucluse
  • Wadmalaw Island
  • Wagener
  • Walhalla
  • Wallace
  • Walterboro
  • Ward
  • Ware Shoals
  • Warrenville
  • Waterloo
  • Wedgefield
  • Wellford
  • West Columbia
  • West Union
  • Westminster
  • Westville
  • White Oak
  • White Rock
  • White Stone
  • Whitmire
  • Williams
  • Williamston
  • Williston
  • Windsor
  • Winnsboro
  • Woodruff
  • Yemassee
  • York