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, Payroll Services, Multi-User Online Banking Access, & more!
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Business Accounts
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 Anytime Visa® 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 Anytime Visa® 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
- No annual fee
- 25-day grace period on purchases
- No cash advance fee
- Online Access with SPC Online Business Banking
- Convenience checks available
- 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. NEW to our business services portfolio in 2024 are Merchant Services, improved online banking access for you and your staff through SPC Online Business Banking, and payroll services. 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)
- A full-feature, easy-to-use payroll deposit solution
- Easy integration with other payroll & accounting software
- Email notifications sent to employees in advance of their ACH deposit informing them of the deposit amount & date
- Options for employees to distribute their payroll deposit across multiple deposit accounts with any financial institution
- $35.95 for 1-10 employees; $5.00 per additional batch
- $39.95 for 11-25 employees; $7.50 per additional batch
- $49.95 for 26-50 employees; $10.00 per additional batch
- $65.95 for 51-100 employees; $15.00 per additional batch
Let’s face it: processing payroll can be...a pain. Fortunately, businesses of all sizes can benefit from the addition of payroll processing now offered through your Business Account with SPC. Here’s what you can expect:
We've even made the pricing structure simple and affordable; you'll be charged a flat fee based on the number of people your business employs. This monthly fee includes up to 4 payroll batches. Additional batches (5 or more per month) will incur a small fee on top of the flat fee, outlined below:
Let us handle your payroll processing so you don’t have to! Call us at 843-332-4506 and ask to speak with a Sales & Service Associate; email inquiries@spccu.org, or drop by one of our branches in Hartsville, Darlington, Florence, Bennettsville, or Cheraw!
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Online Banking Access
Your new & improved Online Business Banking portal is now live! If you’re familiar with our existing online personal banking portal and personal account mobile app, we’ve good news: the business versions are mirror images. SPC Online Business Banking has the same look & feel as our existing online banking portal with tailor-made features that provide easy access to your business’ account management. Soon, you’ll also be able to download a mobile app built specifically for business banking. Here’s what you can look forward to with new 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.
Click the button above to view a step-by-by-step user guide for SPC Online Business Banking.
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Business Rate & Fee Schedule
Click here to view SPC’s Rate & Fee Schedule for businesses.
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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.