Online Banking Access
Online Banking Loginenroll in online banking
At Carolina Trust, our Checking accounts are simple and convenient. We offer a variety of accounts with no monthly maintenance fees and no minimum deposits required at opening.  Open an account online or visit one of our seven branch locations!

Carolina Trust Checking Accounts

 
  • Free Checking
  • Direct Checking
  • 50+ Checking
  • Student Checking
  • Money Market
  • Encore Checking
  • Reorder Checks
  • Overviews

Free Checking

Our Free Checking account is perfect for members who are looking for a convenient checking account without all the fees. Accountholders may take advantage of FREE real-time online & mobile banking, FREE eAlerts, FREE eStatements, FREE VISA® debit card and online bill pay*! Required Minimum Balance
Monthly Service Charge Interest Bearing
 NONE NONE NO
*Online Bill Pay includes up to 15 free online bill payments within 30-day period.

Direct Checking

If you have your payroll or other check directly deposited to your account, then Direct Checking is the best option for you. With Direct Checking, you'll receive all the benefits of Free Checking, and earn dividends on a qualifying balance*!
 Required Minimum Balance Monthly Service Charge Interest Bearing
 NONE NONE YES
*Dividends are paid on a minimum monthly balance of $250.
Click to Apply for Direct  Deposit
 

50+ Checking

The golden years do have their perks! This account is available for members age 50 and older.  50 Plus account holders receive one free* box of Carolina Trust checks each year upon request. An increased dividend rate is earned on the monthly checking balance if the combined monthly savings and checking balance does not fall below $2,500. If the combined monthly savings and checking balance falls below $2,500, then the standard checking dividend rate will be applied. If the monthly checking balance falls below $250, then no dividends are awarded that month.
 Required Minimum Balance Monthly Service Charge Interest Bearing
 NONE NONE YES
*Includes basic duplicate checks.

Free Student Checking

This free checking account is for full-time enrolled college students ages 18-24. Students may receive one free* box of Carolina Trust checks per year and free incoming wire transfers.
 Required Minimum Balance Monthly Service Charge Interest Bearing
 NONE NONE NO
*Includes basic duplicate checks.

Money Market

We offer tiered-rate money market accounts. Dividend rates apply based on account balance*. Unlike savings and IRA certificates that do not allow for early withdrawals without penalty, money market accounts provide competitive dividend rates and allow for up to three withdrawals each month and additional deposits.
 Required Minimum Balance Monthly Service Charge Interest Bearing
YES NONE YES
*If account balance falls below $2,500 within a month, then a $5 fee will be assessed. If more than 3 withdrawals are made from the account during a month, then a $5 fee will be assessed for each withdrawal over three. Other restrictions may apply. Please Note: All savings account withdrawals are subject to Federal Regulation D guidelines
 

Encore Checking

If you've experienced previous checking mishaps and are looking to re-establish a checking relationship, we hope to give you a second chance to make a good impression. Talk with us. Your less-than-perfect checking record will be reviewed to see if you qualify for this account and agree to certain restrictions, including a monthly fee. After six months of healthy account management, you may request to upgrade your ATM card to a VISA®debit card. After twelve months, you may apply for a free checking account. Encore Checking applicants are required to meet with a Member Service Representative to discuss account restrictions. Encore accountholders are required to pay a monthly service fee regardless of account balance.
 Required Minimum Balance Monthly Service Charge Interest Bearing
 NONE YES NO

Reorder Checks

To reorder your Carolina Trust checks, simply login to online banking and select “Reorder Personal Checks” or click the image below:   Please contact a Carolina Trust Member Service Representative at 843.448.2133, ext. 3 if you need assistance.
 
 Phone Banking
Service Included with Account
*Surcharge-free CO-OP ATM Network access at thousands of ATMs nationwide. The ATM owner does not charge a fee but a small CTFCU foreign ATM fee still applies. **Online Bill Pay includes up to 15 free online bill payments within 30-day period.
 
 

Checking Navigator

We want you to get the most out of your relationship with us. This online guide is just one of the ways we try to simplify managing your checking account and help you eliminate the expense and inconvenience of overdrafts. Throughout this guide you'll see definitions of some of the financial terms we use and that you may see on your checking account statement. Understanding these terms can help you avoid overdrafts.
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