What does Community Banking mean to Horry County State Bank?
A Community Bank is more than just a place to hold your checking account.
It’s about knowledgeable financial experts working closely with you through every stage of your life.
It’s about a wealth of financial information and tools with a friendly face to assist you.
It’s about making a difference in the communities we serve.
It’s about YOU and our commitment to assist you with dreaming, planning and realizing your goals.
Come visit us to see the difference at your local Community Bank!
Open a New Checking Account to receive a free gift!
Horry County State Bank offers seven different personal checking and six different business checking accounts. From Free Checking to checking accounts that pay you interest, you'll find we have the perfect account for your needs!
And you'll receive a free gift* when you open a new checking account!
All personal HCSB checking accounts feature:
- Free Debit Card
- Free Online Banking and Bill Payment
- Free ATM withdrawals from any ATM**
- One Free Overdraft/Insufficient Funds Item Charge Annually***
*Customer must open a new personal or business checking account to receive a free Thank You Gift. Only one gift per account opened. We reserve the right to substitute a gift of similar value. Limited time offer, may be withdrawn at any time. **Just bring in your ATM receipt showing you were charged a fee and we'll refund it! ***Just bring in your notice showing the charge, and we'll refund one charge per year.
Free ATM withdrawals from any ATM
When you use your HCSB debit card at any HCSB ATM, you will never receive a charge. Now, you can use your HCSB Debit Card at any ATM and we'll refund any charges you receive from the other bank.
Just bring in your ATM receipt showing a charge from another financial institution and we'll refund the charge. It's that easy!
One less thing to worry about!
Everyone makes mistakes sometimes, but they should not cost you. If you accidentally overdraw your HCSB checking account, we'll refund one Insufficient Funds/Overdraft Item Charge each year. Just bring your notice or statement within 30 days showing where you have been charged an Insufficient Funds/Overdraft Item Charge, and we'll refund the charge one time each year!
Refer Your Friends
It's easy to earn free gifts just for telling your family and friends about how much you enjoy banking with Horry County State Bank. Just stop by any HCSB branch to pick up your Refer Your Friends coupon. Once you complete the coupon, have your friend bring it with them when they open a new checking account with us. You and your friend will each receive a free gift!*
The more coupons you give out, the more gifts you can receive.
*After your friend opens their new account, you will receive this coupon back with a sticker of redemption. Bring this coupon into any HCSB branch to redeem for the free gift. We reserve the right to not give a gift in instances where the referral was not sent in good faith. Horry County State Bank reserves the right to substitute a gift of similar value. Limited time offer, may be withdrawn at any time.
NEW Prime Advantage CD
Variable Rate CD where your interest rate automatically adjusts with our Prime Rate!
Our new Prime Advantage CD allows your interest rate to climb as our Prime Rate climbs throughout your CD term. Our one year and two year Prime Advantage CDs are fixed for the first six months, then adjusts to 60% of our Prime Rate every time the Prime Rate adjusts. Our 3 Year to 5 Year Prime Advantage CD is fixed for the first year, then adjusts to 60% of our Prime Rate every time our Prime Rate adjusts. Your rate will automatically adjust with our Prime Rate.
Visit your local branch for details
CDARS
Access Full FDIC Insurance
To learn more about CDARS, contact your local HCSB branch.
FREE MOBILE ACCESS BANKING
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