SPC welcomes you AND your business!
Big or small, your business matters to us! Contact us today to see how we make banking for businesses Safe. Personal. & Connected!
Business Banking at SPC
You know what you need to keep your business’ finances running like a well-oiled machine, and we know how to make it happen! Visit your local SPC branch today to open a Business Account. Take advantage of convenient account benefits like Merchant Services, Multi-User Online Banking Access, & local, affordable account options to make running your business a breeze!
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Business Accounts & Cards
Business Accounts at SPC are designed to offer an easily manageable, low-fee, personalized banking experience. Drop by one of our branches in Hartsville, Darlington, Florence, Bennettsville, or Cheraw today to talk to one of our team members about exploring the opportunities for your business to benefit from our banking services. PLUS, we've made making the switch to SPC Business Banking easy with a step-by-step Business Switch Kit. Download it now by clicking the button above!
Business Savings Accounts- $5 minimum opening deposit
- 3 free withdrawals per month
- Monthly dividends
- $5 minimum to avoid service charge
- $100 minimum opening deposit
- No monthly minimum balance required
- $250 minimum average aggregate balance to avoid service charge
- 75 free paper items per month (Deposit items are free)
- SPC Business Mastercard® Debit Card
- Surcharge-free access to more than 28,000 ATMs nationwide through the CO-OP® Network
- Same-day credit on deposits made during business hours
- Monthly electronic statements
- $100 minimum opening deposit
- $2,500 minimum to avoid service charge
- Monthly dividends earned on balances over $5,000
- 99 free paper items per month (Deposit items are free)
- SPC Business Mastercard® Debit Card
- Surcharge-free access to more than 28,000 ATMs nationwide through the CO-OP® Network
- Same-day credit on deposits made during business hours
- Monthly electronic statements
- Credit lines starting at $5,000, up to $25,000
- 9.9% interest rate
- No annual fee
- 25-day grace period on purchases
- No cash advance fee
- Online Access with SPC Online Business Banking
- Convenience checks free to cardholders
- Year-end annual account activity summary provided
- Automatic payment options
- $1,000 minimum opening deposit
- Monthly dividends
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Business Services
Consider SPC Credit Union your one-stop-shop for all your business’ banking needs. There’s no better time than now to streamline your banking experience with SPC so you can maximize your profit!
Merchant Services- Credit Card Processing
- Point of Sale (POS) software & hardware solutions
- Inventory/menu management
- Invoicing
- Online payment solutions
We’re excited to offer merchant services to our Business Members through our relationship with G&M Merchant Solutions, a local family owned & operated business that’s been fully vetted by our team and has demonstrated excellent 24/7 customer service to their existing business clients. Custom services they can offer your business include:
Contact Gino or Justin Prozzi of G&M Merchant Solutions today to get started simplifying your business’ merchant services!
843-615-1238 ; gino@gm-merchantsolutions.com (Gino)
843-861-5824 ; justin@gm-merchantsolutions.com (Justin)
Online Banking Access
If you’re familiar with our online personal banking portal and personal account mobile app, we’ve got good news: the business versions are mirror images. SPC Online Business Banking has the same look & feel as your online banking portal with tailor-made features that provide easy access to your business’ account management. The mobile app, available on the App Store and Google Play, is built specifically for business banking. Here’s what you can do with Online Banking access for your business:
- SPC Online Business Banking and its companion, Personal Internet Branch Multi Login (PIB MLO), allow business owners to have separate logins for each employee, with each employee having individual permissions in online banking.
- PIB MLO (multi-user login) is the online security tool that businesses can use to have complete control over access to their Online Business Banking account. Using PIB MLO, businesses can add users and define their permissions. They can also use this tool to reset their employees’ Online Business Banking passwords.
Online Business Banking User Guide
Click the button above to view a step-by-step user guide for SPC Online Business Banking.
Business Rate & Fee Schedule
Click here to view SPC’s Rate & Fee Schedule for businesses.
Business Loans
Our lending department would love to work with you to set your business up for success with a Business Line of Credit, Commercial Real Estate Loan, or Business Term Loan.
Business Line of Credit
An SPC Business Line of Credit provides your business with availability of cash as needs arise, allowing you access to cash for business necessities. Business Lines of Credit feature interest-only or principal-and-interest payments.Commercial Real Estate Loans
- Owner-Occupied
- Rental
- Purchase or Refinance
Business Term Loans
- Equipment
- Vehicles
Visit our Mortgage & Lending Center at 124 N. 5th St. in downtown Hartsville (right across from our Main branch!) to speak with someone about opening a business loan today! Please note: Business Loans applications are not available online at this time.
"I have been a member for over 30 years and I have always felt at home here. The employees always take care of my needs and I would not think of going anywhere else." -Barney
"I hope and pray that this level of customer service continues to be there, because these two ladies definitely went the extra mile." -SPC Member
"I have been a SPCCU Member for years and I have never had any problems doing business. They have helped me improve my credit and I am thankful." -SPC Member
"I love using the SPC App! It's so easy and convenient! From checking my balance at any time to even getting my paycheck a day early, SPC has the best features I've seen at any credit union/bank." -SPC Member