Higher balances and higher activity requires a Commercial Analysis Checking account with earnings credits.

Commercial Analysis Checking

Minimum to open:: Only $100
Monthly Service Charge:: $8.50
Debit Items:: $0.20 per check or debit
Credit Items:: $0.25 per credit
Deposited Items:: $0.07 per deposited item
Available to:: Sole proprietorships, partnerships, corporations and non-profit organizations
Other features:: Earnings Credit available to offset fees; earnings credit is calculated by multiplying the 90-day Treasury Bill rate by the average collected balance during the statement cycle less a 10% reserve requirement. If the earnings credit is equal to or greater than the sum of the monthly service charge and the activity charges, no fee is assessed. If the sum of the charges exceeds the earnings credit, the difference in the two is assessed as a charge.

Every business checking account features:

Free Insufficient Funds/Overdraft Item Charge! – Everybody makes mistakes sometimes but they should not cost you. If you accidentally overdraw your account, we will refund one charge per year on your account. Just bring your statement or notice with the charge to your local Horry County State Bank branch within thirty days and we’ll refund the charge!

Free NetTeller online banking with Free Bill Pay! – View your account balances and make transfers when it is convenient for you, pay your bills without writing a check or envelope, verify when a direct deposit or autodraft is applied to your account and so much more. If you already have an Horry County State Bank deposit account and would like to add Free Netteller with Free Bill Pay, click here to contact us. Not sure if Online Banking is for you? Click here to take a free test drive with our online demo.

Free In Touch Telephone Banking! – Checking your balance and transferring funds between your Horry County State Bank accounts is just a simple phone call away. Call our toll-free number (877-633-6159) to securely access your account information over the phone.

Friendly Service however you reach us! – No matter how you contact us (by phone, email or in person) you will always receive friendly, personalized service from your local bankers.

Looking for a Free Business Checking account without a minimum balance requirement? Our Free Business Checking account offers up to 150 free transactions per month with no monthly service charge fee or minimum balance requirement.

Need more free Debits/Credits/Deposited items? Our Easy Business Checking account offers up to 300 free transactions per month with a low monthly service charge fee.

Want to earn interest? Sole proprietors and non-profit organizations can earn interest on their account with a $1,000 or more daily collected balance.

Is your business a non-profit organization? Our Horry Community Checking was designed to maximize the funds for non-profit accounts with no monthly service charge fee or minimum balance requirement.

Need to earn interest on your trust account? Our IOLTA account remits monthly interest to the South Carolina Bar Association.