In comparison to the rest of the United States, South Carolina has a lower number of “unbanked” households, meaning that no one living in the home has a checking or savings account. To put it in perspective, an FDIC study states that 5.2% of households are unbanked in the state, which equates to nearly 100,000 South Carolina homes.
There’s a whole laundry list of reasons why a person doesn’t have a bank account. The majority of unbanked people cite that they don’t have enough money to meet minimum balance requirements or they simply don’t trust banks. A growing amount of the population has also experienced being blacklisted by a consumer reporting agency called ChexSystems, making it next to impossible to open an account.
If you’ve ever experienced hardships in the past when it comes to managing a bank account, you may have been reported to ChexSystems. Whether you’ve experienced a number of overdraft fees, unpaid debts, or involuntary account closures at a previous financial institution, ChexSystems will flag that behavior and keep it in its database for other financial institutions to see.
Fortunately, our job here at CheckingExpert.com is to locate banks and credit unions in South Carolina that will look beyond a ChexSystems record and even a bad credit score. Our list contains banks and credit unions that offer second chance checking accounts that specialize in getting customers back into the banking system. In addition, some banks on this list won’t view your record with ChexSystems at all during the application process. Here are the banks and credit unions that want your business!
Second Chance Banking in South Carolina for June 2023Open an account today!
Chime® is a fast-growing internet-only financial company and our top choice for a second chance bank account.
And, best of all, Chime accepts almost all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or the credit bureaus.
Features include mobile deposits, direct deposit, online bill payment, NO monthly or annual fees, NO overdrafts fees1, NO credit check, and NO CheckSystems. Opening an account is super easy. It takes about 2 minutes and you don’t have to make an initial deposit. Here’s what we like:
No Monthly Fees
For the past couple of years, Chime’s huge growth has come at the expense of the big banks and their outrageous fees. And it’s one of the best features of a Chime account. There are no monthly or annual service charges, no minimum balance requirement, no foreign transaction fees, no fees at over 60,000 ATMs2, and no fees for mobile and online bill pay.
Deposit Cash for FREE at Over 8,500 Walgreens
Having access to a physical location for cash deposits is important to Chime members. And now it’s easy. All you have to do is go into a Walgreens store, hand the cashier the cash you want to deposit along with your Chime card, and the deposit will show up in your account immediately. This offers Chime members more walk-in locations than any other bank in the U.S. With over 78% of the country within 5 miles of a Walgreens, this is a significant benefit for millions.3
Unlike big banks, Chime was created during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.
You can transfer funds to friends and family, Chime members or not… and they can claim their money instantly4 without any additional apps. The Chime app also has a series of notifications that you can turn on or turn off so you stay in complete control. Misplaced or lost your card? You can instantaneously turn off your card using the app. No wonder over 300,000 customers have given the app a 5-star review.
Chime was one of the first to offer a “round up” option. If you use your Chime card on a purchase of $10.65, Chime gives you the option of automatically rounding up to $11.00 and putting the remaining $.35 in your free Chime savings account. And that adds up over time! Plus, Chime pays 2.00% Annual Percentage Yield (APY)5 in interest on that savings account.
If you use direct deposit with your Chime account, you can get your paycheck up to 2 days early6. And Chime is just saying no to big bank NSF charges with a fee-free overdraft program up to $200. We don’t think there is another company innovating for their customers like Chime.Get a Chime Account Today!
Chime is a financial technology company, not a bank. Banking services and debit card issued by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. See additional disclaimers below.
Lili offers a checking account and Visa debit card with no initial deposit or minimum balance requirement, no hidden fees, no credit check, and no ChexSystems. Lili makes getting your account easy! Here’s more of what we like:
- FREE business VISA debit card
- FREE (and very user-friendly) mobile app
- NO minimum balance
- NO NSF charges or fees
- NO credit check or ChexSystems
- Receive direct deposit funds 2 days earlier than many banks
- Mobile check deposit
- Unlimited fee-free transactions
- Takes 3 minutes to apply
The Lili smartphone app gives you access to tools to manage your expenses and taxes. You assign a category for each expense by swiping left for “life” or personal expenses and right for “work” or business. You can also add receipts to transactions, download quarterly and annual expense reports, and track spending in real-time. Lili will automatically assign an expense category based on the merchant, but allows you to edit the category as needed.
Robust for Most
Lili is best for small business owners who want a no-frills, no cost, no minimum balance bank account. You can run all your business and personal expenses through the account and can easily identify and separate them out for accounting and tax purposes. After your account is set up, you can add a business name or DBA name to the account. And you manage everything from the touch of your smartphone.
But there are some limits, too. Lili doesn’t offer checks and you can’t set up your account with an employer identification number. Depositing cash at Green Dot locations can cost up to $4.95 and mobile check deposits are limited to $6,000 per month.
Lili recently announced a new set of features called Lili Pro. The cost is $9 per month and includes a no-fee overdraft up to $200 on debit card purchases and a robust and unlimited invoicing capability built into the smartphone app. On top of that, users receive 2.00% APY on savings account balances and a more robust expense tracking capability. The Pro version also offers cashback when you make purchases at over 14,000 merchants. If you’re not sure you want to sign up for Lili Pro, get Lili Standard (no cost) and you can upgrade later.
You can set up an account online. If you’re a freelancer, you should receive approval and account access almost instantly. All others (Sole Proprietor, Single-Member LLC, Multi-Member LLC, General Partnership, Limited Liability Partnership, or S Corp) can take a couple of days to get approved. You can fund your account using a mobile check deposit, direct deposit, ACH transfer, or by linking your Venmo, PayPal, or Cash App account.
Lili is open for business. Anyone who is their own boss: a sole proprietor, gigsters (ie. Uber and Lyft drivers), contractors, freelancers, or part-time entrepreneurs – you all qualify! Whether you opt for the fee-free Lili Standard account or the upgraded Lili Pro account, we think you’re going to like the way Lili helps you manage your growing business!Open a Lili account now!
For many people, having access to a local bank branch is paramount when setting up a checking account. With over 16,000 ATMs and 4,700 branches across the country, the Chase Secure Banking account might be the perfect fit.
Here are some of our favorite features with this account:
- NO credit check
- NO ChexSystems
- NO minimum deposit to open
- NO overdraft fees
- FREE access to over 16,000 Chase ATMs
- FREE Chase Online Bill Pay
- FREE money orders and cashier’s checks
What to Know About the Approval Process
Opening the Chase Secure Banking account has some important qualifiers. First, Chase verifies your name, address, and social security through Experian, but doesn’t pull a credit report or credit score. Chase doesn’t use ChexSystems for this account, but the bank does use Early Warning Services (EWS). Additionally, if you’ve had an account closed by Chase in the past, your application will not be approved. Past account closures can include missteps such as non-payment of fees, excessive overdrafts, or suspected fraud.
Finally, Chase gives you the opportunity to open your new account online or by taking a printable coupon to a branch location. We strongly recommend you apply online as branch locations have been known to use ChexSystems during the approval process.
Highly Rated Mobile App
Available for iOS and Android, the Chase Mobile app offers 24/7 access to your account. The app is highly rated, earning 4.8 stars out of 5 on the App Store and 4.4 stars out of 5 on Google Play.
You can transfer funds, deposit checks, send money with Zelle, set up account alerts and notifications, and lock your card if it’s been lost or stolen.
The app also has incredibly helpful budgeting tools, personalized insights, and the ability to check your credit score for free.
Chase doesn’t offer overdraft services with this account as you can only spend the money you have available and the account does not include paper checks. You should also know that using non-Chase ATMs can cost from $3.00 to $5.00 per transaction.
Chase Secure Banking carries a $4.95 monthly service fee that cannot be waived. But combined with all the free services and the $100 cash bonus when you use the card for 10 purchases within 60 days, the monthly fee doesn’t pose a problem for most customers. And, you’ll have peace of mind with Chase’s Zero Liability Protection if you detect and report unauthorized transactions.
Banking With A Leader
Chase claims to be involved with 40% of Americans in some way or another. There can be comfort in size, reach, and stability. Chase has all of that and the assurance they will be there for a long, long time.
If you’ve wanted to bank with Chase and wondered if you’d qualify, we think you’re going to be really happy with the Chase Secure Banking account.Get a Chase Secure Banking account today!
The SoFi Checking & Savings account is offered by SoFi Bank. It’s a checking AND savings account on steroids and we love that. Plus, they don’t use ChexSystems to approve accounts.
You get a debit MasterCard and a very slick smartphone app. You can make deposits, write checks, utilize electronic bill pay, and transfer money. You don’t need to make an opening deposit to get an account and SoFi never charges monthly maintenance fees. You’ll have access to a large and fee-free ATM network along with a generous cashback program.
Using the SoFi direct deposit option unlocks additional benefits. First, if you overspend a bit, SoFi will cover up to $50 with no overdraft fees. Second, you’ll receive a much higher interest amount of 4.20% APY on savings account balances and 2.50% APY on checking account balances. If you decide not to utilize direct deposit, you’ll receive 1.20% APY.
The $275 bonus comes in two parts. When you deposit at least $10, SoFi will credit your account $25. When you set up direct deposit from an employer, SoFi will credit your account up to $250 (depending on the amount of your direct deposit) and bump the interest rate you earn to 4.20% APY. The bonus and interest rate are some of the highest we’ve seen.
The sign-up process can take less than 60 seconds. With over 4 million members, SoFi is a bank you can count on!
SoFi has been great! The account was easy to open and I got my debit card a few days later. The smartphone app is easy to use and I can check everything from my computer, too. I’ve had some issues with ChexSystems in the past and SoFi seems to be the perfect bank.
Kevin M., SoFi CustomerGet a SoFi account today!
Want to earn cash back on Walmart purchases – up to $75 each year? Then you might love the Walmart MoneyCard. It’s a debit card that has some strong features such as cashback on Walmart purchases, overdraft protection, interest on your savings, and a mobile app that lets you track your purchases and deposit funds into your account.
Our favorite features include:
- Easy approval: no ChexSystems or credit check
- No initial deposit is required and there are no monthly minimums
- Deposit cash for free at any Walmart store and it shows up 10 minutes later
- Deposit checks using the Walmart MoneyCard smartphone app
- Easily request multiple cards for family use1
- Manage your account from your computer or the smartphone app
- 3% cashback on Walmart.com purchases, 2% cashback for Walmart fuel stations, and 1% cash back for use in-store2
- Earn 2.00% APY on money you set aside in a free savings account3
- With qualifying direct deposits4, you can opt-in and enjoy overdraft protection of up to $200 on eligible purchases5
- No monthly fee when you direct deposit $500+ in the previous monthly period. Otherwise, there’s a $5.94 monthly fee.6
The Walmart MoneyCard is available in all 50 states, Washington D.C., and Puerto Rico.Open an account today!
Few things are guaranteed in life, but the company behind the Zolve Azpire Credit Builder card is changing that. Part checking account and part credit card, the Azpire card helps customers use their account for everyday purchases and the payments are reported monthly to all three credit bureaus. Here’s what the Azpire account offers:
- No-hassle 2-minute application process
- Apply with SSN, ITIN, or Passport number
- No credit check
- No monthly or annual fees
- No minimum balance and no overdraft fees
- No security deposit
- Free withdrawals at over 67,000 partner ATMs
- Free smartphone app where you can manage your account
- Free international money transfers
- Free rewards and cashback program
- FDIC insured account up to $250,000
How Does The Azpire Credit Builder Card Work?
Getting started is easy. You can add money from an existing checking account, PayPal, Venmo, CashApp, or any other account that allows you to transfer money to a bank account. The money you add to your Zolve Account becomes the credit limit on your Azpire card. You then use this for making everyday purchases like any other typical debit card or credit card. You can direct deposit your paycheck or add more money when your account balance gets low.
You’ll never be charged minimum balance or maintenance fees and there are no late fees or interest charges. And, if you use the Azpire card responsibly, you may qualify for a credit card with a limit of up to $5,000 in as little as four months.
The brilliance of the Azpire credit builder card is that it guarantees people will get a credit builder card and an FDIC-insured checking account while also reporting their daily transactions as positive credit-building history to all 3 credit bureaus. No regular checking account can do that. Plus, you get zero liability fraud and theft protection through Mastercard.
Azpire is a great way to give your aspirations a boost!Get an Azpire account in 2 minutes!
Acorns doesn’t use ChexSystems or a credit report to approve accounts and offers some strong benefits.
We love the heavy metal tungsten Visa debit card and the world-class smartphone app that allows you to manage every aspect of your new checking account such as budgeting, spending, and security.
Another nice option is the ability to round up on every purchase and Acorns will take that money and automatically put it in a savings account. This really helps build a nest egg.
It takes about 2-3 minutes to sign up and you get both a checking and savings account. Here’s more:
- FREE Visa® debit card
- FREE bank-to-bank transfers
- FREE physical check sending online or through the mobile app
- FREE mobile check deposits
- FREE or reimbursed ATM withdrawals nationwide
- NO minimum balance or overdraft fees
- NO credit check; ChexSystems OK
- FDIC insured
There is a $3 monthly fee that is easily covered by the ATM fee reimbursement and other goodies included with the account.
If you’ve struggled with poor credit or ChexSystems, Acorns might be the perfect account.Learn More
We recommend Free Checking, which doesn’t charge a monthly fee nor has a minimum balance requirement. It offers free online, mobile, and text banking, as well as free bill pay. The only downside to this account is that it requires a steep $100 opening deposit.
You can find Ameris Bank branches located in Lexington, Columbia, and Irmo. Apply for an account online or in person to start improving your financial standing!
Carver State Bank is currently accepting online applications for accounts for people in Jasper and Beaufort counties in South Carolina. You also have the option to visit a location in person at one of their branches in Savannah, Georgia.
Rebound Checking includes some of the benefits of a traditional checking account like a debit card and access to online banking. Unfortunately, you won’t be able to use their BillPay tool or deposit your checks via your mobile phone, but after a period of good standing you will be able to upgrade to an account that offers these services.
All it takes to open an account is a $25 opening deposit. There is also a moderate monthly service fee of $15. Visit their website or one of their two locations in Columbia to apply for membership at Caro FCU.
This account comes with all the basics like a free Visa debit card, access to online banking with bill pay, and free eStatements. There is a moderate $15 monthly service fee and no minimum balance requirements. It’s also important to note that direct deposit is required with this account.
To get started, you will need to become a member at Carolina Foothills FCU. Membership is extended to anyone who lives, works, worships, or attends school in Spartanburg, Greenville, and Gaffney. You can also join if you’re an employee of one of over 125 local companies. Visit their website or stop by a branch nearest you to see if you’re eligible!
To open an Encore Checking account, you will need to meet with a Member Service Representative at one of their branches. After six months of good standing, you’ll become eligible for a Visa debit card. After twelve months, you will be eligible to upgrade to one of their traditional checking options.
To get started, you can apply for membership to Carolina Trust FCU on their website or at one of their branches in Myrtle Beach, Surfside Beach, Little River, Conway, Johnsonville, and Lake City.
They offer a general checking account that comes with all of the necessities. In addition to a Visa debit card and overdraft protection options, you can earn rewards if you meet a few easy requirements! If you enroll in direct deposit, sign up for eStatements, and use your debit card at least 12 times throughout the statement cycle, you’ll be eligible to earn interest on your account and receive ATM refunds.
To become a member at Carolinas Telco FCU, you or a family member must work in the telecommunications industry in North or South Carolina. Even if you work as an independent contractor or if you’re self-employed in the industry, you’re still eligible to join. Visit their website or one of their branches in Columbia, Greenville, and North Charleston to get started!
Current is another web-only national bank that has some really great features… and has become one of the fastest-growing checking accounts for consumers who want it all without all the costs and hassles.
Why are we featuring Current on our website? It’s simple: they don’t use ChexSystems or your credit report to open a new account. Sign-up takes about 2 minutes and Current has extremely high acceptance rates. But what’s really cool are the incredible features offered with this account:
- NO minimum balance
- NO deposit required to open an account
- NO overdraft fees when you overdraw by up to $100 with Overdrive™
- NO fees at over 40,000 ATMs in the U.S.
- Get your paycheck up to 2 days early with direct deposit
- Earn 4.0% APY on your balance up to $6,000 with direct deposit; earn 0.25% APY without
- Earn points for unlimited cashback at participating retailers
- Send money instantly for free
- An elegant but simple smartphone app
- 24/7 member support
Current offers a really unique service it calls Gas Hold Removals. What’s a gas hold? Some gas stations may apply a hold from $50 to $100 when you use a debit card to pump gas. If you only pumped $10 of gas, but the gas station places a $100 hold on your funds, you won’t have access to the $90 difference for up to 3 business days! The Current debit card will immediately refund the hold so you have access to all your funds. We haven’t found that benefit anywhere in the marketplace.
Here’s what’s really important, though. Deposits are FDIC-insured up to the highest possible amount allowed: $250,000. We love the features, we love the smartphone app, and we love Current. That makes us think you’ll love them too.Learn More
The contactless debit MasterCard offered by Fifth Third makes transactions fast and safe. You can also safely track your purchase online or through the mobile app. You also receive:
- Mobile alerts for transactions
- Easy Deposits program
- Access to more than 50,000 fee-free ATMs nationwide
- Online and mobile statements
At this time, Fifth Third has only one branch in South Carolina located in Greenville. Stop by today to open a Momentum Checking account!
The account comes with a Visa debit card, digital banking, and 24/7 mobile deposits. There’s no minimum balance and no monthly fees if you’re enrolled in paperless statements.
The Free Checking account allows you to send and receive money with Zelle® between friends, family, and people you trust no matter where they bank in the U.S. You can also link your debit card to digital wallets like Apple Pay® and Samsung Pay®.
Setting up an account is easy and you will need to make a $50 minimum initial deposit to get started.
If you want to avoid a $5 monthly service fee, all you have to do is enroll in eStatements. The account also comes with a debit card, online banking with bill pay, budgeting tools, and overdraft protection services. All that is needed to open the account is a small $25 opening deposit.
To get started, you can conveniently apply for an account online or visit one of their several locations in Mt. Pleasant, Florence, Lexington, Columbia, Greenville, Taylors, Simpsonville, and Myrtle Beach if you prefer to apply in-person.
They offer one general Checking Account that does not have any minimum balance requirements or monthly service fees if you’re enrolled in eStatements. The account also includes 24/7 account access with a smartphone mobile app as well as direct deposit and payroll deduction services.
Founders FCU extends membership to anyone who has a connection to Union, Laurens, Chesterfield, or Chester Counties. You can also join if you have a connection to Wellford or Duncan, or if you have a close relative who is already a member. They have over 18 locations in South Carolina in cities including Columbia, Spartanburg, Cheraw, and several others.
All you need is $5 to open an account online or at their branch on Parris Island. The Basic Checking account comes with:
- A free Visa CheckCard
- Unlimited check writing
- Surcharge-free ATM withdrawals at FSNB locations
- Access to the Savings Round Up program
- Online, mobile, and text checking options
One significant drawback to many online-only bank accounts is that they have no way to accept cash deposits. But GO2bank accepts cash deposits at over 90,000 Green Dot locations nationwide. However, participating retailers may charge you a fee.
If you direct deposit over $500, your monthly maintenance fee of $5.00 is waived. And, they offer a pretty sweet overdraft protection program, but it has a gotcha charge of $15 if you don’t replace the funds within 24 hours.
Account-holders will appreciate the ability to budget their money with the help of a mobile app, budgeting tools, and a savings vault. In fact, they pay 4.50% on all money in the savings vault up to $5,000.
GTE Financial is one of the largest credit unions in the US. Membership is open to anyone through easy requirements and an online application process. The Go Further account includes:
- Free EMV-equipped debit card with built-in rewards
- Online and mobile banking tools
- Free bill pay service
- Easy money transfers through the Popmoney service
We like the account because it does not have a monthly maintenance fee. You do need $100 as an opening deposit, but there are no minimum balance requirements after that point. The account also comes with a smartphone app called CardValet that allows you to monitor and control your spending 24/7 from any location!
To get started, you can fill out a form online to notify a member of the HopeSouth FCU team. You can also apply for the account in person at their branch in Abbeville.
It’s important to note that direct deposit is required with this account. There are no minimum balance requirements, no monthly service fees, and a free Visa check card that is included. We like this account because it allows you to upgrade to a traditional checking account after only six months of good standing!
All South Carolina residents are eligible to become a member at Market USA FCU. Once you’re approved, all that is required is a $5 deposit into a savings account to establish membership. To join, you can apply for an account online. They have one branch located in Greenville as well as many co-op shared branches scattered throughout the state.
With Basic Checking, you get a free Visa debit card with unlimited transactions and access to thousands of surcharge-free ATMs. We like this account because there are no monthly maintenance fees or minimum balance requirements to keep the account open.
Mid Carolina Credit Union offers membership to anyone who lives, works, or attends school in Kershaw and Richland counties. You will need to deposit only $5 into a savings account to establish your membership. Their branches can be found in Lugoff, Camden, Elgin, and Blythewood.
It’s important to note that the E-Checking account requires a direct deposit of $400 or more each month and that you enroll in eStatements. You get access to online banking and are able to earn interest on your balance over $1,500.
MTC FCU offers membership to anyone who has some connection to Anderson, Greenville, or Pickens Counties. You can also join if you have a close relative who is already a member or if you work for an eligible employer. Visit their website or one of their branches in Greenville, Spartanburg, Pendleton, and Lexington to see if you qualify!
Both account options come with a free NFCU debit card. There is no monthly service fee with direct deposit. Your account is protected from overdrafts with free savings transfers, a checking line of credit or an optional overdraft protection service. You also receive:
- Free mobile deposits
- Free bill pay
- Free traditional name-only checks
- Dividends credited monthly
NorthOne is a fast-growing company built specifically around business banking solutions for freelancers, entrepreneurs, and small business owners. In addition to streamlining the application process, NorthOne doesn’t check your credit and doesn’t use ChexSystems. Here’s a recap:
- FREE business Mastercard debit card
- FREE access at over 40,000 ATMs nationwide
- FREE online and mobile app
- FREE live chat (not a chatbot), telephone, or email support
- FREE in-app invoice creator
- NO minimum monthly balance requirement
- NO NSF fees
- NO ACH transfer fees
- NO credit check or ChexSystems
NorthOne doesn’t require a minimum account balance and charges a $10 monthly fee that includes unlimited transactions in your account. These include ACH payments, bill pay, debit card usage, mobile deposits, and transfers. The only other fee is $15 for wire transfers.
You can also grant read-only access to employees or your accountant or bookkeeper. This keeps your account safe while also giving access to those who need it.
NorthOne targets account approvals within one to two business days. Information required to open an account includes name, address, and social security number or tax identification number. If applicable, NorthOne may ask for a copy of your business license and business formation documents. After you’re approved, you’ll need to make a $50 minimum opening deposit.Learn More
One of the most important steps to taking your business to the next level is the need to set up a business bank account. And if you get the right business account, it can give your growing business all the tools much larger businesses enjoy… without all the big business costs.
Novo understands small business owners and makes it easy to open and manage an account. As an online-only bank, you’ll find Novo strikes the right balance between technology, human touch, and real-world benefits. Here are some of our favorite features for Novo Business Checking:
- NO monthly fees
- NO minimum balance requirement
- NO ATM fees
- NO credit check or ChexSystems
- FREE Mastercard debit card
- FREE mobile app
- FREE transfers, mailed checks, and incoming wires
- FREE invoicing to create, send, and track invoices
- FREE mobile check deposit
It takes about 10 minutes to sign up for a Novo account. You’ll need personal and business information, which may include a social security number, business tax ID, and business formation documents. They do not check your credit or use ChexSystems.
Novo is growing quickly. Their offering is popular with small business owners. The account approval process is currently taking 1-2 business days and once you’re approved, you can get full access to your account with a simple $50 deposit.
We like Novo. We think you’ll like it, too.Learn More
The program includes a free financial education tool called BALANCE Financial Fitness. This educational tool helps you learn how to create a budget and maintain healthy budgetary habits. This checking account has a monthly $9 maintenance fee and comes with a debit card, online and mobile banking. After 12 months of responsible use, you’re eligible to upgrade to a different checking account.
To be eligible to join Peach State FCU, you will need to have an association to Aiken County, or work for one of their Select Employee Groups (SEGs). Visit their website or their branch in Beech Island to learn more!
There’s no minimum balance required and a low $6.95 monthly fee for the account. You’ll receive unlimited check-writing privileges and a free Visa debit card to make your purchases easier and quicker. There’s also overdraft protection set up and linked to your savings account. Skyla Credit Union goes one step further and offers ideas for account holders to rebuild their credit, too.
If you’re interested in learning more about Fresh Start Checking or think the account is a good fit for you, you can find more information on their website. Skyla Credit Union is mostly North Carolina-based, but they have a Rock Hill branch located in South Carolina.
Having no overdraft privilege attached to the account helps people stay on top of their money. Keep track of your deposits and purchases with online or mobile banking. Online banking includes bill pay to help you keep on top of managing your monthly expenses. The mobile banking feature also includes mobile deposits to make life more convenient.
Opting for eStatements allows you to track your spending and any deposits you’ve made without accruing the $2 paper statement fee. This simple account has a $5 monthly maintenance fee. To open the account, you can apply online or visit one of their South Carolina branches in Columbia, Lexington, Newberry, and several other cities across the state.
We recommend this account because you won’t need to worry about any monthly service fees no matter how much your balance fluctuates. It does require a steep $100 as an opening deposit but includes digital banking tools, online bill pay, and other convenient perks.
Synovus Bank has nine locations in South Carolina in cities including Columbia, Cayce, Lexington, and Irmo.
Free Checking has no hidden fees, no minimum balance requirements, and no monthly service charge. It’s truly a free checking account! All that you’ll need to get it started is a $50 opening deposit. You’ll also gain access to their mobile smartphone app where you can deposit checks and monitor your account.
United Bank has quite a few locations in South Carolina. You’ll find them in cities including Charleston, Saint George, West Columbia, Myrtle Beach and many others. Visit their website to find a branch nearest you!
It’s important to note that Fresh Start Checking only comes with an ATM card. ATM cards are a bit different than debit cards because you can only use them to deposit and withdraw money at an ATM. This account also requires a $100 opening deposit and requires that you keep at least $100 in your account to avoid the $5 monthly service fee.
Upstate FCU extends membership to anyone who lives, works, worships, or attends school in Anderson or Abbeville Counties. You can also join if you are a close relative of someone who is already a member. You can apply online or in person at one of their branches in Anderson, Starr, Honea Path, and Williamston.
Opening an account is easy and Varo doesn’t check your credit or use ChexSystems. Varo doesn’t even require an initial deposit to open an account, either. There are never any monthly maintenance fees, account balance minimums, overdraft fees, foreign transaction fees, transfer fees, or debit card replacement fees.
Varo’s recent bank charter has them innovating more than ever. They have a very strong cashback program, a payroll advance option, and have started to offer their customers a secured credit card called Varo Believe.
Finally, if Varo receives a payroll notification before your payday, it can deposit your money more quickly than many banks.
We like Fresh Start Checking because there is no minimum balance requirement. This feature can be especially helpful for those who tend to keep lower balances in their account. It’s important to note that direct deposit is required and there is a monthly service fee of $15.
To become a member at Vital FCU, you must have a connection to Spartanburg County or have a close relative who is already a member. Visit their website or one of their branches located in Spartanburg and Duncan to see if you qualify!
There is a $5 monthly fee, but that is be waived for account holders 24 years old and younger. This account is available to residents in all 50 states.
- The largest number of branches in the U.S.
- Minimum deposit of $25 to open an account
- Online bill pay and smartphone app
- Mobile check deposit
- Includes a Visa debit card
- Send and receive money through Zelle
- Additional features include account alerts, 24/7 fraud monitoring, and zero liability protection for your debit card
You can lower your Second Chance monthly maintenance fee from $11.95 to $9.95 by setting up monthly direct deposit. Woodforest offers:
- Online banking
- A mobile banking app
- Woodforest Debit Card
- Overdraft solutions
- Free platinum debit card
Woodforest National Bank has many branches primarily located inside of Walmart stores around the state. You can find them in cities including Columbia, Tega Cay, Greenwood, Greenville, and several others.
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Chime is a financial technology company, not a bank. Banking services and debit card issued by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
1Eligibility requirements apply. Overdraft only applies to debit card purchases and cash withdrawals. Limits start at $20 and may be increased up to $200 by Chime. See chime.com/spotme.
2Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. Cash deposit or other third-party fees may apply.
3Customers are limited to three $1,000 cash deposits at Walgreens each day and $10,000 each month.
4Sometimes instant transfers can be delayed. The recipient must use a valid debit card to claim funds. Once you are approved for a Chime Checking Account, see your issuing bank’s Deposit Account Agreement for full Pay Anyone Transfers details. Please see the back of your Chime debit card for your issuing bank. See Terms and Conditions.
5The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of May 22, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
6Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
1Family Accounts: Activated, personalized card required. Other fees apply to the additional account. Family members age 13 years and over are eligible. Limit 4 cards per account. See Deposit Account Agreement for details.
2Cash back, up to $75 per year, is credited to card balance at end of reward year and is subject to successful activation and other eligibility requirements. Redeem rewards using our website or app. You will earn cash back of three percent (3%) on qualifying purchases made at Walmart.com and in the Walmart app using your card or your card number, two percent (2%) at Walmart fuel stations, and one percent (1%) on qualifying purchases at Walmart stores in the United States (less returns and credits) posted to your Card during each reward year. Grocery delivery and pickup purchases made on Walmart.com or the Walmart app earn 1%. For the purposes of cash back rewards, a “reward year” is twelve (12) monthly periods in which you have paid your monthly fee or had it waived. See account agreement for details.
3Interest is paid annually on each enrollment anniversary based on the average daily balance of the prior 365 days, up to a maximum average daily balance of $1,000, if the account is in good standing and has a positive balance. 2.00% Annual Percentage Yield may change at any time before or after account is opened. Annual Percentage Yield is accurate as of 3/1/2022.
4Direct Deposit: Early availability of direct deposit depends on timing of payroll’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. Make sure the name and social security number on file with your employer or benefits provider matches what’s on your Walmart MoneyCard account exactly. We will not be able to deposit your payment if we are unable to match recipients.
5Opt-in required. $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid the fee. We require immediate payment of each overdraft and overdraft fee. Overdrafts paid at our discretion, and we do not guarantee that we will authorize and pay any transaction. Learn more about overdraft protection.
6No monthly fee with qualifying direct deposit, otherwise $5.94 a month. Waived when $500+ is loaded in the previous monthly period. First monthly fee occurs upon first use, the day after card activation or 90 days after card purchase, whichever is earlier.