Banks & Lenders Participants

BEACH FIRST NATIONAL BANK
1000 William Hilton Parkway, Suite F4
The Village at Wexford
Hilton Head Island, SC 29928
(843) 842-3232

430 William Hilton Parkway, Suite 501
Pineland Station
Hilton Head Island, SC 29926
(843)342-8866
A free guaranteed checking account with no minimum balance and no fee as long as the customer has direct deposit. This account includes free NetTeller and Bill Pay, free withdrawals from BF ATM’s, free standard checks for life, free bank by phone, unlimited check writing, and earns $0.03 cash back on every debit card purchase. Minimum to open $100. $350 closing cost credit on Home Equity Lines of Credit, .25 point rate discount on non-real estate consumer installment loans with autodraft from Beach First checking account. Available to participant only.

COASTALSTATES BANK
Hilton Head South End
5 Bow Circle (across from post office)
(843) 341-9900

Hilton Head North End
98 Main Street (at the circle of HH Plantation)
(843) 689-7800

Bluffton
7 Thurmond Way (next to Post Office)
(843) 837-0100

Sun City
30 William Pope Drive
(843) 705-1200

LOCAL. Educators Checking:
• No Minimum to Open
• No Minimum Balance
• Unlimited check writing
• Free worldwide ATM access ($50 or its foreign equivalency minimum withdrawal from any non-CoastalStates Bank ATM)
• Free Debit card
• Free basic checks
• Free Travelers Checks
• Free online banking
• Free CSBillPay®
• Free Monthly Statement via email
• No monthly maintenance fee
• Competitive interest rates     LOCAL. Educator Savings Account:
• No minimum to open
• No minimum balance
• No monthly fee
• Direct deposit
• Competitive interest rate
Palmetto Heroes Mortgage Program*:
• Down Payment Assistance available
• Special interest rate (APR provided on request with specific information)
• Limited funds available - first come first serve
*Teachers must have SC Teachers Certification and be employed as a classroom teacher or have a contract to begin teaching within 60 days of closing on a home. Certain restrictions apply. This is not an offer to lend. Palmetto Heroes also applies to Police Officers, Fire Fighters, and EMS. Contact your mortgage professional for the income, home prices and other guidelines for Targeted and Non-Targeted counties in South Carolina. Equal Housing Lender

FIRST CITIZENS BANK
2 Northridge Drive
Hilton Head Island, SC 29926
(843) 681-4090
1 Westbury Park Way
Bluffton, SC 29910
(843) 815-4299

• Free Relationship Checking account: free personalized custom wallet style checks, complimentary 3x5 safe deposit box or equal value credit on larger box, no issuance fee on cashier’s checks, money orders and one signature travelers checks
• Market Rate Savings account:no monthly maintenance fee, no minimum balance requirement
• Free Visa® Check Card with Visa Extra reward points
• Free online banking with bill pay and e.statement
• Direct deposit available
• Overdraft protection available with annual fee waived 2
• 0.50% off auto loan rates with an additional 0.25% with an auto draft from a First Citizens Checking account 2
• 0.25% off origination fees on First Citizens mortgage loans (up to $500) 2,3

National Bank of South Carolina
210 Central Avenue
Hilton Head Island, SC 29926
(843)681-2800
Free Checking with no minimum balance requirement.  Includes:

• Free Visa Check Card with free ATM access at all Synovus and Publix Presto! ATMs in South Carolina, Georgia, Florida, Alabama and Tennessee.
• OnLine Access with free Bill Pay
• Free mobile banking.
• Free 1st order of NBSC custom checks
• Free small safe deposit box for one year (or $25 discount on first year’s rent on a medium or large box)