Help Center

How can we help?

Forgotten Login ID and Password

If you haven’t activated the self-reset feature, and need assistance with your password or Login ID, please send us an email.

If you’ve forgotten your password:

How to Reset Your Password

Activate the Reset feature now, before you need it!

NetTeller Online Banking’s Reset feature comes in handy if you ever forget your password and lock yourself out of the service. There’s only one catch – you need to set it up now so it’s ready whenever you need it.

To activate the Reset feature, follow these easy steps:

  1. Log in to NetTeller Online Banking.
  2. Click on “Options” on the toolbar.
  3. Verify your email address.
  4. Create a “PASSWORD Reset Question”. This is a question that only you know the answer.
  5. Type the answer to the question in the “PASSWORD Reset Answer.”
  6. Click “Submit.”

If you lock yourself out, all you need to do is click in the yellow box above where it states “Online Banking,” enter your userID, click “Reset PASSWORD” and follow the prompts.

*We will add the text you enter in the Email Subject Line to the PASSWORD Reset email we send you. You will then know that the email regarding your password is legitimate and was sent from us to you based on your request.

Report a Lost or Stolen Card

Report a Lost or Stolen MasterCard® Debit Card

  • Via NetTeller Online Banking: Log on and go to Options>ATM/Debit Card and check the box by the card that is missing.
  • Via goMobile: Log on and select the “Manage Cards” option.
  • Via Telephone Banking: Call at 877.763.5324 (toll-free).
  • OR call your South Atlantic Bank office during business hours for assistance.

Remember, when a card’s status is changed to indicate that it is lost or stolen, it is effective immediately and NO transactions will be approved on the card.

Report a Lost or Stolen MasterCard® Credit Card

Call credit card support toll-free at 1.800.367.7576 (24/7/365).


About South Atlantic Bank

Who is your primary regulator?

As a state chartered bank, our primary regulator is the FDIC. We are also monitored and examined by the South Carolina Board of Financial Institutions.

Are your accounts FDIC insured?

Yes, deposit accounts at South Atlantic Bank are insured by the FDIC.

When was the bank founded?

South Atlantic Bank was organized in 2007 by a group of Grand Strand business leaders to meet the needs of small to medium businesses and their owners. The bank’s founders recognized that the growing number of larger regional banks in the market had created an opportunity for a locally owned and operated community bank to succeed. The bank opened its doors for business on November 28, 2007, and opened a branch in Murrells Inlet the following year.

See more information about the bank.

Are you locally owned and operated?

Yes, South Atlantic Bank is truly locally owned and operated. Our board consists of local business people and bank executive officers who live and work in the communities we call home. Our executive officers have a lifetime of banking experience along the coastal South Carolina market and the majority of our shareholders reside here as well.

Who are the executive officers?

K. Wayne Wicker serves as the chairman of the board and chief executive officer of South Atlantic Bancshares, Inc. and its subsidiary, South Atlantic Bank.

R. Scott Plyler is president of South Atlantic Bancshares, Inc. and its subsidiary, South Atlantic Bank.

Richard N. Burch is executive vice president, chief financial officer, and secretary of South Atlantic Bancshares, Inc. and its subsidiary, South Atlantic Bank.

C. Alec Elmore is executive vice president and chief credit officer for South Atlantic Bank. 

Travis Minter is executive vice president and chief banking officer for South Atlantic Bank.  

Mary Jo Rogers is executive vice president and Grand Strand regional executive for South Atlantic Bank.

Kenneth M. Pickens is executive vice president and Charleston regional executive. 

Robert L. McKinney is executive vice president and Bluffton and Hilton Head Island regional executive.

Who serves on the board of directors?

Our board consists of local business people with strong ties to the community. Board members include our three executive officers and eight additional community leaders.

View board member bios.

Where are your branches located?

South Atlantic Bank has six along the Grand Strand, one in Mount Pleasant and in downtown Charleston, and one in Bluffton and on Hilton Head Island. 

See a map of locations.


Deposit Services

What forms of ID are required to open an account?

In order to open an account, we need one of the following primary types of identification:

  • Driver’s License
  • Military I.D. Card
  • Passport
  • U.S. Alien Registration Card

If you do not have any of the above items, we will need two of the following secondary types of ID, one of which needs to be a photo ID.

  • State ID Card
  • Credit Card
  • Social Security Card
  • Birth Certificate
  • Marriage License
  • Voter registration Card
  • Student ID Card
  • Employee ID Card
How do I change my address on my account?

For security reasons, we require that you visit a branch to make changes to your address.

Are there fees for using another bank’s ATM?

There are two free non-South Atlantic Bank ATM withdrawals per card per statement cycle, and unlimited free withdrawals at any PRESTO! ATM located at all Publix grocery stores.

How do I reorder checks?

You can reorder checks by returning the order slip in your box of checks to the bank. You may also reorder checks by clicking here for personal checks and clicking here for business checks.” 

Can I change my name or address on my checks when reordering checks online?

For security purposes, changes cannot be made to online reorders. If you need to change the information currently printed on your checks, please visit your closest branch.

How can I be sure I’ve reached the real Online Banking site and not an imposter site?

When you enroll in Online Banking, you will be asked to select a Personal Identification Image. This image will be known only to you. Every time you log on, you will see this image, which is how you know you are on our Online Banking site. If you are currently using Online Banking and haven’t selected this image, you can do so the next time you log on.

How can I request a stop payment?

There are several ways to request a stop payment:

  • Call your South Atlantic Bank office during business hours for assistance.
  • Call Telephone Banking toll-free at 877.763.5324.
  • If you are enrolled in our NetTeller Online Banking program, you can make a stop payment online. Log on to view your accounts. Select the account that the stop payment is to be issued for, and click on the “Select Option” drop down menu. Click on “Stop Payments” and follow the instructions.
Can I check my balance over the phone?

With our mobile banking app, you can check your balance wherever and whenever you need! For more information about goMobile, please check out our Convenience Services page.

You can also use Telephone Banking to check your balance. Call 877.763.5324 toll-free.

How much money can I withdraw from an ATM at one time with my South Atlantic Bank Debit MasterCard®?

You can make cash withdrawals up to a daily limit of $500 at ATMs. The daily limit for purchases is $2,000.

Do you offer Free Checking?

We offer a Free Checking account for consumers and for small businesses. Our other checking accounts also offer ways to avoid fees by maintaining minimum balances. See details about personal accounts, or see our business accounts.

Do you offer overdraft protection?

Yes, we do. It’s called the Ready Reserve Overdraft Line of Credit, and it’s the reason you never have to worry about overdrafts again. Funds from the line of credit are transferred to your checking account in increments of $100 when needed. There are no fees for the transfer, but interest does accrue on the outstanding balance.

How can I enroll in e-statements?

Our e-statements program is called E-docs. To receive your statement electronically, you need to enroll in Online Banking and sign up for E-docs. Every month, on the day your paper statement would normally be mailed, you will receive an e-mail notification that your statement is ready for delivery. When you click on the e-mail, you will be directed to the Online Banking login screen where you can access your statement. It couldn’t be easier or more secure. Get more details about e-Docs.

How do I report a lost or stolen Debit MasterCard®?

There are several ways to report a lost or stolen debit card.

  • Via NetTeller Online Banking: Log on and go to Options>ATM/Debit Card and check the box by the card that is missing.
  • Via goMobile: Log on and select the “Manage Cards” option.
  • Via Telephone Banking: Call at 877.763.5324 (toll-free).
  • OR call your South Atlantic Bank office during business hours for assistance.

When a card’s status is changed to indicate that it is lost or stolen, it is effective immediately and NO transactions will be approved on the card.


Loan Services

How do I report a lost or stolen credit card?

You can report a lost or stolen credit card 24 hours a day, 7 days a week by calling credit card support toll-free at 1.800.367.7576.

Where can I make South Atlantic Bank credit card payments?

There are several easy options for you to pay your credit card bill:

  • Make payments and set up auto-pay through the credit card services website: cardaccount.net
  • Call customer service at 1.800.367.7576. Have your statement and method of payment handy.
  • Mail your payment, along with the top portion of the statement, in the window envelope provided. Be sure to put a stamp on the envelope.
  • Use NetTeller Online Banking. Set up South Atlantic Bank MasterCard as a payee. Be sure to match the address on the credit card statement to the list of payees when setting up the payment.
  •  
Do you offer home mortgages?

We offer a variety of mortgage loan options including traditional fixed rate loans, adjustable rate loans, and jumbo loans. Get more information about our Mortgage Products.

What are rates for home mortgages?
What home equity options do you have?

We offer home equity lines of credit with a variety of terms. For more details, please contact a loan officer.

Does South Atlantic Bank make business loans?

South Atlantic Bank offers a wide variety of business loans. Our experienced lenders can help put together a loan package tailored to your business needs. Contact a loan officer.


goMobile Banking App

What are the restrictions on the type of mobile devices that can be used with South Atlantic Bank goMobile?

South Atlantic Bank goMobile works with any web-enabled mobile phone device whose network allows secure SSL traffic. If your phone is not web-enabled or if your mobile network does not allow secure SSL traffic, it may not work with the app. You may need to contact your carrier to determine if its network allows secure SSL traffic.

What functions can I perform from my mobile device?

With South Atlantic Bank goMobile, you can

  • Check your account balances
  • View transactions
  • Transfer funds between enrolled accounts
  • Pay bills with Bill Pay
  • Report a card lost or stolen
  • Suspend a card that is misplaced or out of reach
  • Set up and view account alerts
  • Find the nearest South Atlantic Bank from your location
  • Deposit checks with Remote Deposit Capture

When you enroll in goMobile Text Banking, you can send the bank a text to learn your account balance for a specific account or for all your enrolled accounts. You can also text to see the last 4 transactions on a specific account or for all your enrolled accounts. The mobile text service is free, but your carrier’s standard rates may apply.

How do I know if my transfer or bill payment was entered successfully?

If you have elected to receive text alerts, each time you make a transfer or bill payment, a confirmation Text Message is sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through via NetTeller.

What if I no longer want to be a mobile user?

Visit SouthAtlanticBank.com and log into NetTeller. Then Select Options > Mobile Settings > De-select Activate Mobile Banking Access > Click Agree.

What happens if I lose my mobile device?

Because your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings in NetTeller and make any changes to the Wireless Provider and/or Phone Number.

Can I add a new Bill Payment Payee via mobile banking?

No. Functionality in the mobile banking app is limited to sending payments to already established payees in NetTeller. To add a new payee, log in to NetTeller, select Bill Payment, and follow the instructions. You will then be able to submit payments to that payee via your mobile device in the future.

What happens if I lose communication/signal during a transaction?

When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive a Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.

What do I need to do if I get a new phone?

If you simply get a new phone but keep the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your NetTeller account via the Internet and update your information on the Options > Mobile Settings page. You will not receive text messages regarding Mobile Banking transactions if your phone number is not correct.

How can I search for a transaction?

goMobile does not have search capabilities, but you will be able to view 15 days’ worth of transaction history on your mobile device. To view transactions beyond 15 days, use NetTeller Online Banking.

Can I use any mobile device to access my accounts?

Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that text messages will be sent to the phone number entered when you enrolled in mobile banking, not the device from which you perform a transaction.

How do I delete a Bill Payment that I set up through my mobile device?

You must log in to the internet-based NetTeller Online Banking ID and delete the payment from the main menu of the Bill Pay module.

When I try to enter an amount for a bill payment or transfer, I can’t enter any numbers, only letters. Why?

Check your phone’s settings to make sure you don’t have alpha-only enabled on the keypad.


goMobile Text Banking

Can I enroll in Mobile Text from my mobile device?

No. Enrollment for Mobile Text must be completed within your traditional NetTeller site.

How do I get information for a specific account?

During the enrollment process, you must designate a mobile short name for each enrolled account. This short name must be included in the text request to get account specific information.

For example, to learn the account balance for an account with the short name of “Ours” you would text the following: Ours bal to 89549. Remember that texts are not case sensitive.

How do I un-enroll for Mobile Text?

Un-enrollment can be accomplished in one of two ways. You can log in to your traditional NetTeller site and de-select the enroll option or you can text STOP to 89549.


smsGuardian

Are there security features in place to protect cardholder information?

Full cardholder information is NEVER included in a text. The last four digits of the card number are displayed in the text. The short message service is Payment Card Industry (PCI) compliant.

What happens if I don’t reply to a text?

If no confirmed response is received within 12 hours, the text message expires and smsGuardian considers the transaction valid. You need to respond to a text only if you did not make the transaction in question.

What will the text message look like? How will I know it’s from South Atlantic Bank?

The beginning of the text message will feature the initials SAB for South Atlantic Bank. These initials are also known as the bank’s short name. The message will also include the last 4 digits of the card used, along with the dollar amount of the transaction. You need to respond only if you DID NOT make the transaction. Reply exactly as directed.

If I send a ‘NO’ response, how long will it take for the card to be blocked from further use?

A “NO” response receives the highest priority in the Risk Management/Fraud department and the next available fraud analyst will receive the case and block the card.

Will I receive a renewal notification?

A renewal notification will be sent to each device you have enrolled in the service six days prior to the yearly expiration date. Three renewal attempts will be made before the service is set to expire. If you do not respond, the device is removed from smsGuardian at expiration. You can renew for multiple years simply by clicking the renewal button and responding as instructed. The mobile service providers Sprint, Nextel, Boost, and Virgin require that we remind cardholders every 30 days of their enrollment in smsGuardian. If you use one of these service providers, you will receive a notice every 30 days. The alert message will display as: “Reminder: You have subscribed to Guardian transaction alerts for South Atlantic Bank. Message and data rates may apply. Reply HELP for help. Reply STOP to cancel.”

How can I get help with the service?

There are three ways to get help: 1) reply to any text from smsGuardian with the word HELP, 2). Visit the smsGuardian website for the “Service Usage Guide” link, or 3) call (888) 868-8611.

If I’ve set the ‘Do-Not-Disturb’ feature from 11 p.m. to 6 a.m., when will text messages be delivered?

Any messages created during this Do-Not-Disturb timeframe would be delivered starting at 6 a.m. when you are receiving messages.


Apple Pay®

What does Apple Pay® cost?

It’s FREE!

What devices can I use with Apple Pay?

You can use Apple Pay® on your iPhone (6 or higher with iOS 8.1 or higher), and your iPad, Apple Watch, and Mac, as long as they have the most recent operating systems. Go to www.apple.com/apple-pay for detailed information.

What cards will work with Apple Pay?

You can add your South Atlantic Bank MasterCard Debit Card and your South Atlantic Bank credit cards.

You can add up to eight cards per device and they need to be added to each device separately. In other words, adding a card to one device does not add them to all.

How do I put cards in the Wallet?

It’s very easy to add cards to your Wallet.

For iPhone:

  • To add your South Atlantic Bank debit card for Apple Pay® use, simply open to the Wallet app on your iPhone 6 or higher running iOS 8.1 or higher and follow the steps to add a new card. If you have a South Atlantic Bank card already set up with iTunes, all you need to enter is the security code on the back of the card.
  • Tap next. Your information will be verified. If more information is needed, you will be prompted for it. When you have the information, go to Settings>Wallet & Apple Pay® and tap your card.
  • After your information is verified, tap next.
  • Do this for each debit card you want to add.

You will follow a very similar process for adding cards to your Wallet on the following devices:

  • For your iPad: Go to Settings > Wallet & Apple Pay® and follow the steps.
  • For your Apple Watch: Open the Watch App on your iPhone, tap Wallet & Apple Pay® and follow the steps.
  • For your Mac: Go to System Preferences > Wallet & Apple Pay, tap your card, and follow the steps.
I use one card more than the others I added to my Wallet. How do I make it the default card?

The first card you add is automatically set as the default card which means it’s the first card used when making a purchase. It is easy to change the default by going to Settings > Wallet & Apple Pay, tapping Default Card and choosing the card you want to pay with.

Where can I use Apple Pay?

Apple Pay® is the new way to pay online and at grocery stores, shops, restaurants, hotels, and more! For a complete list, go to www.apple.com/apple-pay.

How does Apple Pay® work?

At checkout, a special chip in the phone, called a near-field communication chip (NFC), communicates with the merchant’s reader to send the payment wirelessly.

Is Apple Pay® safe?

South Atlantic Bank takes safety and security very seriously as does the Apple Pay® system. Here are several safety measures in place for use of Apple Pay.

  • Your Wallet can only be accessed using your Touch ID, which is your fingerprint stored in your settings.
  • Apple Pay® doesn’t store the card numbers on your device.
  • Neither the merchant nor Apple® see your card numbers.
  • Our fraud monitoring service is on the job, monitoring transactions whether they are made using the physical card or Apple Pay®.
When my card expires or is replaced, do I need to add it back to the Wallet?

Yes. You will need to first delete the old card and then add the new card. This rule applies even if the old and new card have the same number.

What should I do if my card or my device is lost or stolen?

For lost or stolen credit cards, call Credit Card Customer Service at 1.800.367.7576. When you call, mention that the card is linked to Apple Pay. Remove the card in question from Apple Pay® and add your new card when it arrives.

For lost or stolen debit cards, contact your South Atlantic Bank office during business hours, or log onto NetTeller Online Banking to block the card.

For a lost or stolen device, notify your carrier and then call the number on the back of your credit or debit card. Mention that the card(s) is linked to Apple Pay® so the card can be removed from the service. In the event you locate the device, you will need to add the card back to Apple Pay®.

It is important that you do this immediately to limit any liability for these transactions.

What should I do if I see unauthorized charges on my statement(s)?

For South Atlantic Bank credit cards, contact Credit Card Customer Service at 1.800.367.7576.

For South Atlantic Bank debit cards, contact your local branch.

Again, it is important that you do this immediately to limit any liability for these transactions. For details, review the cardholder agreement you received with your credit card or the electronic funds transfer agreement you received when you opened your account(s) with us.


Online Security

Am I protected from fraudulent electronic funds transfers on my account?

Regulation E provides rules for error resolution and unauthorized transactions for individual consumers’ electronic fund transfers and establishes limits to the consumer’s financial liability for unauthorized transactions. These limits are based on the timely detection and reporting of issues to South Atlantic Bank. Please actively monitor your accounts and immediately report any suspicious activity to South Atlantic Bank at 843.839.0100 or to your local branch.

How can I protect myself when banking online?
  • Never give out your usernames, passwords, SSN or date of birth. Please know, we will never ask you to provide your access ID, password or other log-in credentials over the phone or via email. If you receive a request, do not provide any information and contact your local branch to report suspicious activity.
  • Create strong, unique passwords using letters, numbers and symbols
  • Do not use the password auto-save feature on your browser
  • Logout of NetTeller online banking when your online banking session is over
How can business owners minimize online banking risks?

Nonconsumer (or business) accounts are not protected by Reg E, which limits financial liability for unauthorized electronic transactions. Business clients should implement periodic risk assessments and an evaluation of the controls in place to help minimize risk, including the following:

  • Manage administrative access to business accounts
  • Segregate duties among employees so that no one person can perform all steps of a financial transaction online
  • Implement layered security using multiple controls including transaction thresholds, out-of-band verification (telephone or email verifications), fraud detection and monitoring systems, and IP reputation-based services

The FTC Business Center provides helpful security and privacy information on the their website: http://business.ftc.gov/privacy-and-security/data-security


Video Library

Our video library provides tutorials and information about many of our services. View these videos.

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