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Best Banks & Checking Accounts in Charleston, South Carolina - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 6, 2026

The best checking rates for Charleston, South Carolina include State Department Federal Credit UnionState Department Federal Credit Union2009 Dyess Ave Bldg F, Charleston, SC 29405 2502A+5.0 ★Texas Ratio: 4.53% Privilege Checking at 0.80% APY, Beacon Community BankBeacon Community Bank20 Fairchild St, Charleston, SC 29492A+5.0 ★Texas Ratio: 0.00% Interest Checking at 0.15% APY, Family Trust Federal Credit UnionFamily Trust Federal Credit UnionA+5.0 ★Texas Ratio: 4.11% Loyalty Checking at 4.00% APY, Bank of Travelers RestBank of Travelers RestA+5.0 ★Texas Ratio: 0.49% PREMIUM Checking at 2.84% APY, and Sharonview Federal Credit UnionSharonview Federal Credit UnionA5.0 ★Texas Ratio: 11.73% High-Yield Checking at 2.00% APY. Checking account rates as of April 6, 2026 according to verified data from MonitorBankRates.

Charleston has 2 local institutions in our database, with checking rates as high as 0.80% APY from State Department Federal Credit Union at 2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Charleston, South Carolina. Checking Account Rates Last Updated and Verified: April 6, 2026

Compare Checking Account Rates Today in Charleston, South Carolina & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2009 Dyess Ave Bldg F
Charleston, SC 29405 2502
Privilege Checking
0.80%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2009 Dyess Ave Bldg F
Charleston, SC 29405 2502
Advantage Checking
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
20 Fairchild St
Charleston, SC 29492
Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
20 Fairchild St
Charleston, SC 29492
Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Loyalty Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $20,000.00

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
PREMIUM Checking
2.84%
$100
View
▼
Rate2.80%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
PREMIUM Checking
2.02%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.73%
High-Yield Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Qualifying balance up to $10,000.00

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Rewards Checking
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Qualifying balance up to $15,000.00

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
PREMIUM Checking
1.61%
$100
View
▼
Rate1.60%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
PREMIUM Checking
1.36%
$100
View
▼
Rate1.35%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.87%
Checking+ Rewards
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required: eStatements; 1+ online/mobile sign-on monthly; 1+ direct deposit monthly; 15+ settled debit card purchases monthly; Qualifying balance up to $1,000.00

First Piedmont Federal S&L of Gaffney
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Checking - NOW
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Palmetto Checking Account
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Palmetto First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Palmetto Checking Account
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
VALUEPACK Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
PRESTIGE Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
Checking Accounts That Care
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
Checking Accounts That Care
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
E-Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2009 Dyess Ave Bldg F
Charleston, SC 29405 2502
Advantage Checking
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
20 Fairchild St
Charleston, SC 29492
Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
20 Fairchild St
Charleston, SC 29492
Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Loyalty Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $20,000.00

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
PREMIUM Checking
2.84%
$100
View
▼
Rate2.80%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
PREMIUM Checking
2.02%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.73%
High-Yield Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Qualifying balance up to $10,000.00

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Rewards Checking
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Qualifying balance up to $15,000.00

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
PREMIUM Checking
1.61%
$100
View
▼
Rate1.60%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
PREMIUM Checking
1.36%
$100
View
▼
Rate1.35%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.87%
Checking+ Rewards
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required: eStatements; 1+ online/mobile sign-on monthly; 1+ direct deposit monthly; 15+ settled debit card purchases monthly; Qualifying balance up to $1,000.00

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
PREMIUM Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
PREMIUM Checking
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
INTEREST CHECKING
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Premier Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Palmetto Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
50+ Interest Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Rewards Checking
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Qualifying balance up to $15,000.00

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.87%
Checking+ Rewards
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required: eStatements; 1+ online/mobile sign-on monthly; 1+ direct deposit monthly; 15+ settled debit card purchases monthly; Qualifying balance up to $1,000.00

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Kasasa Cash Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Freedom 55 Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Everyday Checking Account
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Teen Checking (Ages 13 - 17)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
20 Fairchild St
Charleston, SC 29492
Business Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Beacon Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
20 Fairchild St
Charleston, SC 29492
Business Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Premium Business Checking
2.84%
$100
View
▼
Rate2.80%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Premium Business Checking
2.02%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Premium Business Checking
1.61%
$100
View
▼
Rate1.60%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Premium Business Checking
1.36%
$100
View
▼
Rate1.35%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Business VALUEPACK Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
High Yield Business Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
High Yield Business Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Premium Business Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Business VALUEPACK Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Travelers Rest
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Business VALUEPACK Checking
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
High Yield Business Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

$2,500 minimum opening deposit required

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

$2,500 minimum opening deposit required

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Platinum Business Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Premier Business Interest Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Classic Business Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Countybank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Free Business Interest Checking
0.01%
$100
View
▼
Rate0.01%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Free Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Charleston, SC Checking Rate Trends

Compare local Charleston, SC checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full South Carolina Checking Trends →
High-Yield Checking — SC Avg
3.594%
▲ 2.551 vs 7 days ago

South Carolina high-yield checking rates rose 2.551 points over the past 7 days to 3.594% APY.

Free Checking — SC Avg
0.691%
▲ 0.431 vs 7 days ago

South Carolina free checking rates rose 0.431 points over the past 7 days to 0.691% APY.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Charleston, South Carolina directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Charleston, South Carolina. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in SC.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Charleston, South Carolina earn interest?

Most traditional local checking accounts in Charleston, South Carolina earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Charleston, South Carolina FDIC insured?

Yes. Legitimate banks with branches in Charleston, South Carolina are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Charleston, South Carolina

Based on our current data, some of the highest checking account APYs available to residents of Charleston, South Carolina include:
  • State Department Federal Credit Union
    Privilege Checking — 0.80% APY
  • Beacon Community Bank
    Interest Checking — 0.15% APY
  • Family Trust Federal Credit Union
    Loyalty Checking — 4.00% APY
  • Bank of Travelers Rest
    PREMIUM Checking — 2.84% APY
  • Sharonview Federal Credit Union
    High-Yield Checking — 2.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Charleston, South Carolina. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 6, 2026

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