Get Free Checks

Open a Palmetto Citizens Classic Checking Account before June 30th and receive a free box of checks.1 Ask a Member Service Representative about opening your new account today.


Checking Accounts

At Palmetto Citizens, we’ve designed our checking accounts to fit your needs, whether it’s avoiding a monthly fee, earning dividends or managing your account online. Our Classic and Premium checking accounts both offer several great benefits and features to help you manage your account.

Classic Checking - Our Classic checking account requires no minimum balance2 and no monthly service charges are imposed. Dividends are earned monthly based on your account’s average daily balance of $500 or greater.

Premium Checking - Our Premium checking account is perfect for our members who want to keep a higher balance in their account. There is no monthly fee3 when a minimum balance of $2500 is maintained in the account. Other benefits include:

  • Platinum Debit Card
  • Tiered Dividend Rates
  • Checks are Always Free4
  • Free 3x5 Safe Deposit Box (or discount on larger size)5
  • Free Online Bill Pay6

Other Checking Account Features:

ATM Access - No surcharge ATMs are located at each Palmetto Citizens service center as well as throughout the Midlands. For a complete listing of our ATM locations, click here.

Duplicate Checks - Most checks are printed in duplicate, giving you an exact copy of every check you write. We also safeguard your cancelled checks at no charge.

Direct Deposit - Avoid making unnecessary trips to deposit your paycheck or other recurring monthly checks.

Overdraft Protection - An overdraft protection loan is a line-of-credit designed to protect you from non-sufficient fund and returned check fees. This loan is based on creditworthiness and certain restrictions may apply. Ask a Member Service Representative for more information.

TellerLine - Manage your account with a touch-tone phone. Call TellerLine at (803) 256-4073 or (800) 521-4497.

PC NetExpress - Access your account over the internet anytime.

1Limited styles available. 2Initial $50 deposit required to open account. 3Below minimum balance fee: $12; 4Free checks limited to PCFCU custom checks – one box per order for security; 5Subject to location availability; 6Transfer limits apply to bill pay.