Earn interest on your checking balance and avoid the monthly service charge with a low minimum balance with Easy Interest Checking.

Easy Interest Checking

Minimum to open:

Only $100

Monthly Service Charge/Minimum Balance Requirement:

Low average collected balance of $500 in this account or $1,000 in combined deposits with a Savings Account; otherwise a $5.00 monthly service charge fee and $0.30 per debit

Interest Earning:

Tiered interest on balances of $1,000 or more

Every personal checking account features:

Free ATM usage at any ATM! – We will never charge you for using your ATM card at our ATM or any other bank’s machine. If the other bank charges you, simply bring in your ATM receipt to your local Horry County State Bank branch and we’ll refund your charge.

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 Debit Card! – Enjoy the easy access to your checking account funds through any ATM or business displaying the MasterCard logo. Since the funds come directly out of your account, there is never any interest charge. If you already have an Horry County State Bank checking account and would like to add a Free Debit Card, click here to apply online.

Free NetTeller online banking! – Protect yourself from identity theft, view your account balances and make transfers when it is convenient for you, 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 apply online. 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.

Free Mortgage Loan Prequalification! – When you are ready to buy your first home or upgrade to a new home, you’ll receive a free mortgage loan prequalification to assist you in your house hunting. With the relief of knowing about your financing, finding the right home is much easier.

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.

 

Just want a basic checking account? Our Free Checking account has no monthly service fee or minimum balance requirements.

Are you 50 or older? Our Horry Premium account offers you special benefits.

Want free checks? Our Horry Advantage checking account offers free checks and special benefits.

Have a direct deposit going into your account? Our Free Direct Interest Checking account is an interest bearing account and has no monthly service fee or minimum balance requirement with a direct deposit or autodraft to an Horry County Bank Savings Account.

Maintain high balances in your checking account? Our Prestige Checking account rewards you with special benefits for maintaining higher balances.