Personal Checking Accounts
It’s time for checking that works for you.
Expect more from a bank that understands your financial goals. South Atlantic Bank is dedicated to helping you make the most of every dollar with personal checking accounts, local expertise, and a level of care that makes banking feel like home.
Find the account that’s right for you.
Compare our personal checking accounts to find the features, benefits, and flexibility that best fit your banking needs.
Make the most of your banking relationship with an account that rewards you every day.
- Just a $100 deposit to open
- Unlimited check writing
- All balances earn interest
Put your savings to work with tiered interest rates that reward higher balances while keeping your funds within reach.
- $1000 deposit to open
- Balances of $1,000 or more earn interest
- 6 interest tiers that reward you for saving
Enjoy straightforward checking with the everyday banking tools and convenience you need at a low monthly cost.
- Just a $25 deposit to open
- No minimum balance
- Free online banking
Start building smart financial habits with a checking account designed for students and built for life on the go.
- Just a $100 deposit to open
- Unlimited check writing
- All balances earn interest
Get more from your checking account with interest earnings, free checks, and benefits that reward your banking relationship.
- Just a $100 deposit to open
- Unlimited check writing
- All balances earn interest
Enjoy simple, no-cost checking with the everyday banking tools and convenience you need to manage your money with confidence.
- Just a $100 deposit to open
- Unlimited check writing
- No minimum balance requirements
Make the most of your banking relationship with an account that rewards you every day.
Open OnlinePut your savings to work with tiered interest rates that reward higher balances while keeping your funds within reach.
Open OnlineEnjoy straightforward checking with the everyday banking tools and convenience you need at a low monthly cost.
Open OnlineStart building smart financial habits with a checking account designed for students and built for life on the go.
Open OnlineGet more from your checking account with interest earnings, free checks, and benefits that reward your banking relationship.
Open OnlineEnjoy simple, no-cost checking with the everyday banking tools and convenience you need to manage your money with confidence.
Open Online$100
$1000
$25
$50
$100
$100
All balances earn interest. Interest is compounded daily and credited monthly.
Balances of $1,000 or more earn interest. Interest is compounded daily and credited monthly. Six interest tiers that reward you for saving.
All balances earn interest. Interest is compounded daily and credited monthly.
Two free non-South Atlantic Bank ATM withdrawals per card per statement cycle. Unlimited free withdrawals at any PRESTO! ATM located at all Publix grocery stores.
Unlimited free withdrawals at any PRESTO! ATM located at all Publix grocery stores.
Unlimited FREE ATM Use (Never a fee or surcharge!)
Two free non-South Atlantic Bank ATM withdrawals per card per statement cycle. Unlimited free withdrawals at any PRESTO! ATM located at all Publix grocery stores.
Two free non-South Atlantic Bank ATM withdrawals per card per statement cycle. Unlimited free withdrawals at any PRESTO! ATM located at all Publix grocery stores.
$20 service charge per statement cycle which is waived with one of the following qualifiers: a $2,500 daily balance or $5,000 average monthly balance or $15,000 combined daily balance in checking, savings, CD or IRAs or $25,000 combined outstanding balance in personal loans or home equity lines of credit
$10 service charge per statement cycle which is waived with a $1,000 daily balance OR a $2,000 average balance.
NO monthly service charge
$10 monthly service charge which is not charged with just one of the following qualifiers: monthly direct deposit, $500 daily balance, $1,000 average balance, OR $2,500 combined daily balance in checking, savings, CDs or IRAs
NO monthly service charges
Yes
Unlimited check writing
Yes. FREE standard checks (Limit 2 boxes per calendar year)
Yes
Free QuickCard Debit Card Upon Approval
Free QuickCard MasterCard Debit Card upon approval
Free QuickCard MasterCard Debit Card Upon Approval
FREE QuickCard Debit Card Upon Approval
Free QuickCard MasterCard Debit Card Upon Approval
Free Online Banking with Bill Payment Service
Free Online Banking
Free Online Banking with Bill Payment Service consisting of a $300 per item limit and a $1,200 daily limit
Free Online Banking with Bill Payment Service
Free Online Banking with Bill Payment Service
Free Online Banking with Bill Payment Service
Monthly statement via E-Docs or U.S. Mail
Monthly statement via E-Docs or U.S. Mail
Monthly statement via E-Docs or U.S. Mail
Monthly statement via E-Docs or U.S. Mail
Monthly statement via E-Docs or U.S. Mail
Monthly statement via E-Docs or U.S. Mail
Ready Reserve Overdraft Protection available upon credit product approval
Ready Reserve Overdraft Protection available upon credit product approval
Ready Reserve Overdraft Protection available upon credit product approval
Ready Reserve Overdraft Protection available upon credit product approval
Ready Reserve Overdraft Protection available upon credit product approval
Additional benefits include a no minimum balance savings account, a safe deposit box discount and free cashier’s checks
No minimum balance requirements
No minimum balance requirements
No penalty for early redemption of CDs due to medical emergency.
No minimum balance requirements
$10 per withdrawal fee if withdrawals exceed six in a statement cycle.