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Personal Checking Accounts

Personal Checking Account Options for South Carolina Customers

Arthur State Bank’s personal checking accounts in South Carolina are built to fit your life, providing everyday, student, senior, and interest-bearing options. We understand how important it is to have flexible access to your money and support when you need it. Our customers benefit from online tools and all-day banking, without a 2 p.m. cutoff.

Compare Our Best Checking Accounts

Explore our bank’s checking account options below to compare the features, minimum balance requirements, service charges, and interest-earning potential of each.
Account Best For Opening Deposit Fee Waiver Monthly Fee Interest Min Other Services
General
Checking		 Anyone wanting everyday personal banking $100 $1,000 $3/Month None
  • Debit Card
  • Online BillPay
  • Mobile App with Mobile Deposit
  • Email Statements
Student
Checking		 Customers aged 24 and younger who value free checking $50 None None None
  • Email Statements Required
  • Debit Card
  • Online BillPay
  • Mobile App with Mobile Deposit
Senior
Checking		 Customers aged 60 and older who want to avoid fees and strict minimums $100 None None $500
  • Debit Card
  • Online BillPay
  • Mobile App with Mobile Deposit
  • Email Statements
Super NOW
Checking		 Customers who maintain higher balances $500 $1,000 $5/Month $500
  • Debit Card
  • Online BillPay
  • Mobile App with Mobile Deposit
  • Email Statements

Why Open a Personal Checking Account With Arthur State Bank

With a combination of local service and modern digital banking tools, Arthur State Bank gives customers more from their SC checking accounts and simplifies everyday money management.

Local Service You Can Count On

As community bankers, we know the people we serve and provide friendly, trusted in-person support at several South Carolina locations. We’re here to answer questions or help with account inquiries whenever you need—reach out or stop in anytime.

Account Types That Fit Your Life

Our bank’s checking account options are designed for the everyday needs of young professionals and students, seniors, and anyone in between. The overdraft protection options we provide help keep transactions on track during life’s unexpected moments.

Simple, Convenient Banking

When you open a checking account with us, you’ll enjoy the flexibility to manage your money your way. Use the online banking portal to deposit money, transfer funds, manage cards, and pay bills, or visit any of our local branches for fast, friendly service.

Which Arthur State Bank Checking Account Is Right for You

Now that you know why we’re a trusted partner, it’s time to compare the best checking account options for you. Here’s a breakdown of Arthur State Bank’s accounts to help you find one that matches your situation:

    • General Checking – A strong choice for low-cost, everyday banking that offers a low-dollar entry point and easy access to your money.
    • Student Checking – A straightforward starter account for young adults—students or new professionals—with no minimum balance or fees, and built-in digital tools and statements.
    • Senior Checking – A free checking account for South Carolina customers 60+ who want simple, traditional banking with the flexibility of digital tools and interest-earning.
    • Super NOW Checking – A top option for those who maintain higher balances and want to earn interest while keeping full access to their funds with debit, checks, and online BillPay transactions.

Ready for a Better Banking Experience?

We believe better checking starts with a local bank that understands which features and options work best for the community it serves. Whether you’re seeking more personalized service or you’ve started a new job, gotten married, or are preparing for a new life stage, you’ll find flexible solutions with us. Talk to a banker at Arthur State Bank to compare the best checking accounts and open the one that supports your financial goals.
CONTACT US TODAY!

Arthur State Bank Personal Checking FAQs

What should I look for in a checking account?
To be a good fit, an account should support your financial habits and goals with manageable balance requirements and fees, and provide tools for everyday convenience, such as mobile banking, debit card access, and online bill payments.
How do I choose a checking account?
Ask yourself how you plan to use the account, how much of a minimum balance feels achievable, and how important earning interest or low or no fees are to you. Then speak to a banker with your must-haves in mind.
How do I open a checking account?
Gather your required documents and initial deposit before visiting an Arthur State Bank location for help selecting a South Carolina checking account.
What do I need to open an account?
Bring proof of identity, such as a valid, current government-issued ID, your Social Security number, and an initial deposit, which varies by account.
Can I open a checking account online?

We handle new accounts in person. Visit a branch, and our bankers will get you started and answer any questions you might have. Once that’s set up, you may enroll in our digital banking services online anytime.

Do any Arthur State Bank checking accounts earn interest?
The super NOW and Senior options both earn interest as long as minimum balance requirements are met.

READY FOR A BETTER BANKING EXPERIENCE?

Arthur State Bank has accounts and services available to meet a variety of financial needs. We offer personal service as well as digital solutions to help you achieve all your financial goals.
Contact Us Today
Man doing his banking online

AnnualCreditReport.com is the only source for free credit reports authorized by the federal government. Every 12 months, you can get a free copy of your credit report from each agency.

Your credit report has your credit history for all of your credit accounts as well as any credit inquiries and public record court information such as collections. In addition, the report provides personally identifiable information such as your name, address, and employment.

Be sure to carefully review all three reports to identify any problem areas that you may need to clean up prior to applying for a mortgage. If there is any incorrect information, follow the reporting agency’s rules to correct it or add a notation to the report to explain the situation.

Your FICO Score is a score combines data from several areas include payment history, the amount owed, length of credit history, new accounts. Many lenders use this score as a guide. This score is not provided as part of the free annual credit report.

Learn more about how your credit score impacts your ability to secure a loan.

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Couple looking over finances

Primary considerations for setting your housing budget require an assessment of your income, debt and current savings for the down payment on the home. The following are generally recommended guidelines; however, you should meet with an Arthur State Bank lender to get personalized mortgage information.

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Couple meeting with lender

The pre-qualification/pre-approval letter is included with any offer you make on a house to inform the seller that you have met with a mortgage lender and you are prepared to make an offer. The letter states that based on certain assumptions, the bank is prepared to lend you up to a specified amount of money for a home mortgage.

When choosing a loan officer, we recommend going local to work with someone who understands your community’s real estate market. This blog on first-time home purchases includes questions to ask your lender that may be helpful when preparing for your meeting.

Helpful Resources:

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Realtor shaking hands with a client

When a house is sold, the seller typically pays real estate commission to both the listing agent and the selling agent. It is extremely beneficial for the buyer to use their own real estate agent. Loan officers can often recommend selling agents in the area; ask your officer about realtor referrals when discussing your loan.

A good realtor will know the local market and can help you find an ideal home based on your budget, location and desired features. During your search, understand that you will most likely need to compromise on some items, so it’s important to identify your critical needs versus your wants.

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Couple searching online for a home

Additionally, when you start with the house search and work backwards, homes can often go off the market while you’re completing steps 1-4. While browsing homes immediately can be tempting, we recommend following these steps in order so that, once you find your dream home, you’ll be well-positioned to take action immediately.

When you find the home you want and you think you are ready to put an offer on it, you will want to make sure you have all the information you need to make a solid offer.

  • Evaluate the neighborhood.
  • Drive by the house at different times of the day.
  • Examine how other houses in the neighborhood are maintained.
  • Consider any potential traffic or other disruptive noise.
  • Is there ample parking for you and visitors?
  • Read the details in any Homeowner Association agreements (HOA fees and rules).

Make sure to do a preliminary check of house details:

  • Check the water:
  • Does it have good pressure?
  • How long does it take to get the water hot?
  • Is it well water or city water?
  • Turn light switches on and off.
  • Open and close doors and windows to make sure they work properly.
  • Review previous utility bill expenses.
  • Consider the property tax bill.

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Family meeting with realtor at new house

When writing an offer contract, be sure to pay attention to all of the details.

Offer Price:

Your agent should do a market analysis that pulls data on recently sold comparable houses. The best comparisons will come from the same neighborhood.

If you are asking for the seller to pay some of the closing costs, remember that this cost plus the sales commission determines the net amount you are offering the seller for the house.

Work with your agent on your negotiation strategy. There are many things to consider, such as how badly you want this particular house, whether it is a buyer’s or seller’s market and an assessment of the seller’s motivation to get the property sold.

There isn’t one best strategy.

Be sure to document in writing everything you want included with the house, such as appliances, etc. Your agent should guide you through the contract step-by-step.

Contingencies:

  • Home inspection.
  • Mortgage.
  • Final walk through (24 hours prior to closing).

Proposed closing date. Typically, this is 30-45 days from an accepted offer.

A good-faith deposit is required for the offer. This is typically between 1-10% of the purchase price of the house. The deposit is kept in escrow until closing and the money is applied to the purchase price of the house at closing. If the house does not close due to one of the contingency clauses, the buyer receives their money back. However, if the buyer decides not to close on the property, the seller may get the deposit money.

Attach your pre-approval letter to the offer.

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Two people in professional meeting

The clock starts ticking for everything documented in the contract, including mortgage application, inspections and closing date.

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Woman advising other woman on mortgage application

You will need to decide which mortgage to select prior to the application.

Plan for the following potential fees:

  • Application fee (many banks and mortgage companies charge an application fee; however, there is not an application fee at Arthur State Bank).
  • Credit check.
  • Appraisal (may be paid at closing).
  • Loan origination fee (paid at closing).

Once you have approval for your loan, make sure you don’t change anything that will impact the status of your mortgage. Banks do a final check on credit and jobs just prior to closing, so now is not the time to change jobs or make another purchase on credit such as a car or furniture.

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Home inspector going over findings with home owner

Depending on the size of the house, an inspection can cost on average between $300 to $1000.

Many real estate contracts specify how problems uncovered in the inspection will be resolved, up to a certain dollar amount. Should necessary repairs exceed that amount, the buyer has the option to cancel the contract without penalty and receive their deposit money back. Another option is for the buyer and seller to renegotiate who will pay for additional repairs.

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Woman happily holding keys to her new home
  • Homeowner’s insurance is required by the lender prior to closing on the loan.
  • Turn on utilities in your name, effective the closing date.
  • Change your address with the U.S. Postal Service.
    • Make moving arrangements.

Three days prior to closing:

  • You should receive your final Closing Disclosure from the closing agency. The final Closing Disclosure shows a column for the seller and a column for the buyer. All closing charges and credits for both the seller and the buyer are documented in the closing statement.
  • Review the closing statement for accuracy prior to coming to closing.
  • The final amount in the buyer’s column shows you the amount of money you need to pay at closing.

The closing office will provide specific payment instructions. Closing funds have become recent targets for cybercriminals. If you are asked to use a wire transfer, call the office and ask to speak to someone you have been working with to double-check the instructions.

Closing day:

In South Carolina, the closing will usually take place at the attorney’s office. Everyone signing for the mortgage must be present to sign the closing paperwork. Make sure you bring the following:

  • Cashier’s check or proof of payment for wire transfer.
  • Driver’s license.
  • Checkbook, just in case there are any additional items that were not on the closing statement.

Be sure to understand this information:

  • How and when you will pay:
  • Your mortgage.
  • Your property taxes.
  • Your homeowner’s insurance.
  • Any HOA dues.
  • Who to call with any questions.

The best practice is to go through the homebuyer’s roadmap in this sequence. However, if you jumped ahead early in your journey, just circle back to address the steps you missed.

Arthur State Bank’s loan officers are closely tapped into local real estate markets and experts at helping clients get what they need on terms that work for them. We also offer mortgage specials for first-time homebuyers.

To start planning your journey to your dream home, try out our mortgage calculator. If you’re ready to talk to a loan officer, contact Arthur State Bank to request personalized mortgage information today. Don’t forget to ask about our first-time homebuyer offer.

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