Personal Banking

The Sand Dollar Checking Account is the perfect checking account for people who write many checks each month. It features unlimited check writing and ATM transactions with no monthly service charge.

• $100.00 Minimum deposit to open
• Unlimited Check Writing
• Free MasterCard Check Card with unlimited transactions
• Statement delivered electronically through Internet Banking

The Beach Club Account, an interest earning account, is for the consumer who wants the best of both worlds - checking account accessibility with the earnings power of a savings account.  
  

• $100.00 Minimum deposit to open
• $500.00 Minimum balance requirement/$8.00 Monthly fee if balance falls below $500.00
• Interest Paid Monthly
• Unlimited Check Writing
• Free Checks
• Free MasterCard Check Card with unlimited transactions
• Free Cashier’s Checks/Personal Money Orders
• Travelers Checks
• Check Safekeeping required

The Emerald Beach Account is an interest earning checking account exclusively designed for those 50 years of age and older. This account features unlimited check writing with free cashiers checks, money orders, and traveler’s checks.

• $100.00 Minimum deposit to open
• $100.00 Minimum balance requirement/$5.00 Monthly fee if balance falls below $100.00
• Interest Paid Monthly
• Unlimited Check Writing
• Free Checks
• Free MasterCard Check Card with unlimited transactions
• Free Cashier’s Checks/Personal Money Orders/Travelers Checks
• Check Safekeeping required

The Sandcastle Regular Savings Account
Who said regular savings accounts had to be boring?  Check out the rates we pay, especially on the higher tier.  

• $100.00 Minimum deposit required to open
• $5.00 fee per quarter service if average collected balance drops below $1,000
• Three debit transactions are allowed per month; additional debits are $2.00 each regardless of balance
• Statement Will be mailed Quarterly
• Interest Paid Monthly
• Tiered Interest Rate – Higher Interest Rate with Higher Balance

• $1,000 minimum deposit to open
• $10.00 monthly service charge if balance falls below $1,000
• Interest compounded daily and paid monthly on the daily collected balance
• Tiered interest rate - higher interest rate with higher balance
• 6 debit transactions allowed per month with no more than 3 debits by check or draft to third party; each additional debit or check/draft is $5 regardless of balance
• If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.

• $1,000 minimum deposit required to open account
• FREE checking account that includes Internet Banking and Bill Pay (required)
• Tiered interest rate - higher interest rate with higher balance
• Interest compounded daily and paid monthly on the daily collected balance
• $20.00 service charge per month if average collected balance falls below $1,000
• 3 debit transactions allowed per month; each additional debit is $10.00
• Quarterly statements

The Sand Pebbles Savings Account
Teach your young ones the value of a dollar! Start them off with our interest bearing savings account.

• $1.00 Minimum deposit required to open
• No minimum balance requirement
• Account must be joint with parent or guardian
• Two (2) debit transactions allowed per month; additional debits are $2.00 each regardless of balance
• No Monthly Fee
• Statements will be mailed quarterly
• Account will convert to Sandcastle Account at age 18

The Sandy Santa Account
When Santa heads down south to get sand between his toes, don’t be left out in the cold.  This Christmas Club account will help keep you free of the credit card blues

• $1.00 Minimum deposit required to open
• Account will be paid out annually by check
• Interest will be compounded daily, credited at maturity and paid on the daily collected balance
• One debit allowed annually, $5.00 for each additional
• No monthly fee