welcome to first palmetto bank

WELCOME TO FIRST PALMETTO BANK
W
e are excited to welcome the customers of South State Bank’s branches in Loris and
Little River to First Palmetto Bank. Although you may not be familiar with us yet, we look
forward to introducing you to our company and demonstrating the exceptional customer
service you should expect from a community bank. This guide contains information about
the transition and products and services you will find at First Palmetto, but first let me tell
you a little about our company.
Our bank was founded in 1904 in Camden, South Carolina, and we have grown to 21
locations, including four existing branches in Horry County. By focusing on customer
relationships and serving the needs of our communities for over 110 years, we have
established ourselves as one of the oldest and largest banks headquartered in South
Carolina. We are a strong, well-capitalized state-chartered institution, and you will enjoy
the same FDIC insurance coverage available to you and your accounts now.
We understand the customer has many options when placing trust with a banking partner,
and we emphasize individualized service to earn your business. Our bankers help set us
apart from the competition, and we are delighted to welcome the employees of the Loris
and Little River branches to our team. We believe you will value your experience with First
Palmetto as you continue to bank with the same associates you know already.
Please review the information in this guide and keep it for reference during the transition
period. We will work together to ensure a smooth transition, and look forward to meeting
you and serving your banking needs for years to come.
Sincerely,
Samuel R. Small, Jr.
Samuel R. Small, Jr.
President
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TABLE OF CONTENTS
Welcome Letter
1
Important Dates
3
Branch Locations
4
Account & Statement Information
5
Online Enrollment & Account Access
7
Overdrafts & Overdraft Protection
9
Contact Us
10
2
IMPORTANT DATES
PRIOR TO
OCTOBER 09





We Encourage You
to Download or
Print South State
Bank Account
Transaction History
and/or Statements
October
October
09
10
12
13

11:00 AM – Loris
and Little River
ATM terminals
disabled

1:00 PM – South
State Loris and
Little River
Branches close

Receive Your First
Palmetto Starter
Check Kit
Withdraw Cash for
Transition
Weekend, if
Needed, from Loris
and Little River
ATM locations
October
Friday
Save Your Bill Pay
Information
Receive your First
Palmetto Debit
Card and PIN and
Activate the Card
October
8:00 PM –
Accounts Being
Transferred are
Disabled from
South State Online
Banking and Bill
Pay
Saturday




11:59 PM – South
State Bank Debit
Cards Deactivated
for Transferring
Accounts

Final Account
Statement Issued
from South State
Bank
Monday
12:01 AM – New
First Palmetto
Debit Cards
authorized for
transactions after
activation
Pursuant to
Activation
Instructions Mailed
with the Card

COLUMBUS DAY
First Palmetto Bank
will be closed for
Columbus Day
Holiday

10:00 AM - Enroll
for Consumer
Online Banking at:
Loris and Little
River ATM
terminals
operating as First
Palmetto ATMs

Enroll for Bill Pay
through First
Palmetto Online
Banking

Download the First
Palmetto Bank
Mobile App
Begin using First
Palmetto Bank
Checks from the
Starter Check Kit
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www.firstpalmetto.com
Tuesday

Loris and Little
River Branches
open at 9:00 AM as
First Palmetto Bank

Visit a local branch
to order checks

Visit a local branch
to seek assistance
or answer
questions you may
have
BRANCH LOCATIONS
Bishopville
Kershaw
Myrtle Beach
201 East Church Street
Bishopville, SC 29010
P: 803.484.5459
301 North Hampton Street
Kershaw, SC 29067
P: 803.475.6085
10207 North Kings Highway
Myrtle Beach, SC 29572
P: 843.272.0274
Camden
Lancaster
Myrtle Beach
407 East DeKalb Street
Camden, SC 29020
P: 803.432.2265
409 North Main Street
Lancaster, SC 29720
P: 803.285.6978
1204 48th Avenue North
Myrtle Beach, SC 29577
P: 843.839.3900
Camden
Lexington
North Myrtle Beach
2310 North Broad Street
Camden, SC 29020
P: 803.432.1982
5321 Sunset Boulevard
Lexington, SC 29072
P: 803.356.3388
501 Highway 17 South
North Myrtle Beach, SC 29582
P: 843.281.9055
Columbia
Little River*
Pageland
4304 Hardscrabble Road
Columbia, SC 29229
P: 803.419.3424
1376 Highway 17 North
Little River, SC 29566
P: 843.280.4273
201 North Pearl Street
Pageland, SC 29728
P: 843.672.6141
Columbia
Loris*
Summerville
3932 Forest Drive
Columbia, SC 29204
P: 803.782.7030
4311 Main Street
Loris, SC 29569
P: 843.756.1000
211 North Main Street
Summerville, SC 29483
P: 843.821.2205
Columbia – Pontiac
Lugoff
Surfside Beach
10540 Two Notch Road
Elgin, SC 29045
P: 803.736.9319
788 Highway 1 South
Lugoff, SC 29078
P: 803.438.1461
Darlington
Manning
2293 Glenns Bay Road
Surfside Beach, SC 29575
P: 843.650.1401
206 Cashua Street
Darlington, SC 29532
P: 843.393.4051
111 North Brooks Street
Manning, SC 29102
P: 803.435.8815
Irmo
Mount Pleasant
7327 St. Andrews Road
Irmo, SC 29063
P: 803.407.0135
West Ashley
5 Sumar Street
Charleston, SC 29407
P: 843.852.2665
1636 Highway 17 North
Mt. Pleasant, SC 29464
P: 843.329.2265
* = New Branch Location
Hours of Operation
All Branches
9:00 AM – 5:00 PM Mon. – Thurs.
9:00 AM – 6:00 PM Friday
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(Drive-Thru opens 8:30 AM)
(Drive-Thru opens 8:30 AM)
ACCOUNT & STATEMENT INFORMATION
On Friday October 9th the transition to First Palmetto Bank will begin.
Unless you are notified otherwise, we will honor the features of your existing deposit account plan.
Checking, Savings, & Money Market
Accounts

Account numbers WILL NOT change.

Your new bank routing and transit (ABA) number is 253271916.

Your South State Bank checks and deposit slips will process as
normal through Friday, October 9, 2015.

Your first order of standard, personal size checks in a style
predetermined by First Palmetto Bank will be FREE and will
arrive by mail to you prior to October 9, 2015.

Beginning Saturday, October 10, 2015, use your First Palmetto
checks and discontinue use of your old South State checks.

Certificates of Deposit & IRAs
Account numbers WILL NOT change.

The terms and conditions of your existing Certificate of Deposit
(CD) and/or Individual Retirement Account (IRA) will not change
until maturity.

First Palmetto Bank will mail you a maturity notice two weeks
prior to the maturity of your CD and/or IRA.

First Palmetto Bank will not provide monthly statements for CDs
or IRAs.
Safe Deposit Boxes

Beginning Tuesday, October 13, 2015 please visit your local First
Palmetto branch location if you desire additional First Palmetto
checks. If you would like identical checks to those you are
currently using, please provide your order form from your
existing South State checkbook.
Your current safe deposit box with South State Bank will remain
in the office and become an account of First Palmetto Bank.
Your safe deposit box number will not change. Billing and due
dates will not change, and First Palmetto will honor the terms
and conditions of your safe deposit box lease.
Important!
Account Statements


Unless you are notified otherwise by First Palmetto Bank,
we will honor the features of your current deposit account
plan. Please note First Palmetto standard overdraft practices
and overdraft protection plans affecting your account may
be modified as detailed later in this Welcome Guide. Even
though the features of your deposit account plan remain the
same, please note certain fees may be modified and a
Schedule of Fees is provided for your reference.
Your final account statement with South State Bank will be
issued Friday, October 9, 2015. This statement will include
activity on your account up to final processing by South State
Bank. We will try to accommodate you by maintaining your
existing statement cycle date. It is possible your statement date
may be modified, however. Service charges will be waived
through your first statement cycle with First Palmetto to allow
time to assess our account offerings and work with your local
branch representative to adjust products, if necessary.
Electronic Statements (eStatements)

If you are currently enrolled in electronic statement delivery,
your enrollment WILL NOT transition with the branch
acquisition and electronic statements will not transfer.

Beginning Monday, October 12, 2015 you may enroll in
Electronic Statements with First Palmetto Bank through Online
Banking at www.firstpalmetto.com.

In preparation for the upcoming transition, we suggest you
download your previous electronic statements and transaction
history from South State Bank prior to Friday, October 9, 2015
to ensure you have copies for future reference. This will ensure
you have access to historical account information that is critical
for income tax preparation.
Important!
If your checks are ordered through a vendor other than First
Palmetto Bank, they must be re-ordered using the new
routing/transit number (253271916). Call us or stop by a
local office for additional information.
5
ACCOUNT & STATEMENT INFORMATION
Important!
Loans

Your new First Palmetto Debit Card should arrive in the mail
prior to October 9, 2015. Please remember to activate your
First Palmetto Debit Card prior to your first use.
Loan account numbers WILL NOT change. Beginning Tuesday,
October 13, 2015 you may deliver your loan payment to any
First Palmetto branch location or mail it to:
Debit Cards
First Palmetto Bank
Attn: Loan Operations
PO Box 861
Camden, SC 29021

The terms and conditions of your account will not change.

Payment due dates will not change. If you currently receive a
loan statement or billing notice you will begin receiving a billing
notice from First Palmetto Bank.



If you currently have a coupon book, you will begin receiving a
billing notice from First Palmetto Bank. Please destroy your
South State Bank coupon book when you receive your first
billing notice from First Palmetto Bank.
If your loan payment is set for automated draft, this service will
continue uninterrupted with no further action required on your
part. If the automated draft is from another bank or an account
not transferring, we may require a new authorization form.

South State Bank Debit Cards will be replaced with First
Palmetto Bank Debit Cards. You will receive your First Palmetto
Bank Debit Card in the mail prior to October 9, 2015.

Complete the activation process for your newly-issued First
Palmetto Debit Card when you receive it. Instructions for
activation are enclosed with the card.

Your South State Bank Debit Card will be deactivated at 11:59
PM ET on Friday, October 9, 2015 for all accounts transferring to
First Palmetto Bank.

Your First Palmetto Bank Debit Card, after it has been activated
by you, will be able to process transactions beginning Saturday,
October 10, 2015 at 12:01 AM ET.

Your First Palmetto Bank Debit Card is subject to the following
daily limits: $500 in cash withdrawals per day from an ATM, and
$1,000 in Point of Sale (P.O.S.) transactions per day.
Loan payments will be credited on the same business day
received.

If you use a third party bill payment vendor, please update the
new bank name, bank address, and new routing/transit number
(253271916).

A Notice of Mortgage Transfer will be sent in a separate mailing.
Important!
Your Personal Identification Number (PIN) will arrive in a
separate mailing from your First Palmetto Debit Card prior
to October 9, 2015.
Home Equity Line of Credit (HELOC)
Direct Deposits and Direct Debits

You may continue to use the checks you currently have to
access your Home Equity Line until Friday, October 9, 2015.
New checks may be requested at your local First Palmetto
branch beginning Tuesday, October 13, 2015.


Loan payment due dates will not change. If your HELOC
payment is set for an automated draft, this service will continue
uninterrupted.
Bank Name:
Account Number:
Credit Cards

Direct deposits and direct debits you currently have set up
through South State Bank are scheduled to process without
interruption after October 9. You should verify with all payees
that your new First Palmetto Bank information has been
changed as listed below:
New Routing/Transit (ABA) #:
Effective Date:
Address:
No South State Bank credit card accounts are being transferred
to First Palmetto Bank. South State Bank credit card customers
can continue to use their card as normal.

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First Palmetto Bank
Your Existing Number
(Unless notified otherwise)
253271916
Monday, October 12, 2015
First Palmetto Bank
407 E DeKalb St
Camden, SC 29020
Please contact us immediately or visit your local branch if you
do not receive your scheduled direct deposits after October 9.
ONLINE ENROLLMENT & ACCOUNT ACCESS
Online Banking
STEP 3: Review Your Information

Access to South State Bank's Online Banking will become
unavailable beginning Friday, October 9, 2015 at 8:00 PM ET.

Verify that your Username and Primary e-mail address
are accurate.

You may enroll in First Palmetto Bank’s Consumer Online
Banking beginning Monday, October 12, 2015 at 10:00 AM ET
using the enrollment procedures below:

To make changes, click “Change” for the information
you want to change.

If Username and Primary e-mail are accurate, click
“Continue enrollment”. You should now be
successfully enrolled in Online Banking. Click
“Continue” to access your account. Please read the
terms and conditions of Online Banking and indicate
your agreement by clicking “Continue”.
Consumer Online Banking Enrollment
To enroll in Online Banking, go to www.firstpalmetto.com. Click
on the “First Time User” option under the Consumer Banking
Login.
STEP 1: Confirm Your Identity
Commercial Online Banking Enrollment
 Enter your Tax ID, First Name, Last Name, Address,
Phone Number, E-mail Address, and Date of Birth in
MM/DD/YYYY format.

 Select the Account Type from the Drop Down Box
(Checking, Savings, etc.) and enter the account number.
Bill Payment

 Click “Continue enrollment”.
STEP 2: Create Account Sign-On

Username: Enter your desired Username.

Confirm Username: Re-enter the Username for
verification purposes.

Password: Enter your desired password. Password
must be at least 8 characters in length, contain at least
1 number, at least 1 special character (!@#$%^&*.,<>)
and at least 2 alpha characters (at least 1 uppercase
character and at least 1 lowercase character).

Confirm Password: Re-enter your password for
verification purposes.

Enter your Primary e-mail address.

Confirm your primary e-mail address for verification
purposes.

Click “Continue enrollment”.
Currently, commercial clients do not have access to
automated self-enrollment for Commercial Online Banking.
Please contact your local branch to discuss the enrollment
process for Commercial Online Banking.
South State Bank Bill Payments cannot be scheduled after
Thursday, October 8, 2015 at 10:00 AM. Payees and scheduled
payments will not be converted from South State Bank. We
suggest you print or save payee or payment information you
may need to enter into First Palmetto Bank Bill Pay. All payees
and scheduled payments may be entered starting at 10:00 AM
Monday, October 12, 2015 in the First Palmetto Bank Bill Pay
system at www.firstpalmetto.com.
Mobile Banking

First Palmetto allows you to manage your money anytime,
anywhere by giving you access to your account from our Mobile
Banking App. The First Palmetto Mobile App, available for
download through the App Store and Google Play, allows you to:
view account balances, search recent account activity, transfer
funds, pay bills and find nearest ATM or branch locations. Keep
in mind you must be enrolled in Consumer Online Banking
through First Palmetto Bank to utilize the Mobile App.

First Palmetto Bank offers Mobile Deposit Capture. Deposit your
checks anytime, anywhere through our First Palmetto Bank
Mobile App. Customers who have a personal checking or savings
account are eligible for this service. Certain restrictions may
apply.
Important!
Remember to enroll in Online Banking with First Palmetto Bank. Consumer customers may enroll starting Monday October 12,
2015 at www.firstpalmetto.com. Commercial customers must apply for Commercial Online Banking through your local branch
beginning Tuesday, October 13, 2015. We suggest you download and save any transaction or statement history and Bill Pay
information from your South State accounts prior to October 9.
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ONLINE ENROLLMENT & ACCOUNT ACCESS
Wire Transfers

If you currently use wire transfer services at South State Bank,
please note the following. The new wire instructions will take
effect on Monday, October 12, 2015. These instructions will be
for all incoming wires:
Beneficiary Bank:
Beneficiary Bank Address:
Beneficiary Bank ABA:
Beneficiary Name:
Beneficiary Account Number:
Popmoney

Using Popmoney, you may electronically send or receive money
from another person for a fee. If you have enrolled with Bill Pay,
you will automatically have Popmoney access. You will have to
add your contacts and their information before you can send
money, however.
Merchant Services

If you are a commercial customer using Merchant Services for
credit card processing, there are no changes being made to this
service. You are reminded that, although your deposit account
number has not changed, the routing and transit (ABA) number
for your account will change to 253271916.
ATM Access

The Loris and Little River branch ATMs will be disabled on
Friday, October 9, 2015 at 11:00 AM and will be converted to
First Palmetto Bank ATMs by Saturday, October 10, 2015. Please
make arrangements to withdraw cash you may require from
these terminals during this outage.
Important!
If you will need cash during the weekend of October 9, 2015
through October 13, 2015, please make arrangements to
withdraw cash you may require for that time period prior to
the ATMs becoming disabled October 9 at 11:00 AM.
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First Palmetto Bank
407 E. DeKalb Street
Camden, SC 29020
253271916
Name on Account
Your Account Number
OVERDRAFTS & OVERDRAFT PROTECTION
An “overdraft” occurs when you do not have enough money in your deposit account to cover a transaction on the account. Overdrafts
may be paid by us in one of two different ways:
1.
2.
1.
We have standard overdraft practices which are described below and come with all deposit accounts.
We offer an overdraft protection plan which is described below.
What are the standard overdraft practices that come with all First Palmetto deposit accounts?
As a standard overdraft practice, we will consider as a discretionary courtesy and not a right or obligation, approving your reasonable
overdrafts. This means we do not guarantee we will always authorize and pay any type of transaction. If we do not authorize and pay an
overdraft, your transaction will be declined. We are not obligated to pay any item presented for payment if your account does not
contain sufficient available funds (an “NSF Item”), and any discretionary payment (or other negotiation or processing) by First Palmetto
Bank of any NSF Item does not obligate First Palmetto Bank to pay any additional NSF Item or to provide prior notice of its decision to
refuse to pay any additional NSF Item. Failure to repay any negative balance including any and all fees and charges may result in the
closing of your deposit account.
We may authorize and pay overdrafts for the following types of transactions:


Checks and other transactions made using your checking account number
Automatic bill payments
We do not authorize or pay overdrafts for the following types of transactions:
 ATM transactions
 Everyday debit card transactions
The fees charged by First Palmetto Bank for overdrafts are as follows:


2.
We will charge you a fee of $34.00 for each time we pay or return an overdraft item.
We will charge you a fee of $3.00 for each day your account maintains a negative balance.
What overdraft protection plans are available at First Palmetto Bank?
First Palmetto Bank offers an overdraft protection line of credit, which is a loan that may advance funds to cover overdrafts. If you are
interested in applying for First Palmetto’s overdraft protection line of credit, please visit your local branch for further details. In addition
to First Palmetto’s overdraft protection line of credit, you may already be enrolled in one of South State Bank’s many overdraft
protection plans.
Unless you have been notified otherwise by us, First Palmetto Bank will honor South State Bank’s Overdraft Sweep and Money Market
Sweep overdraft protection plans, whereby one deposit account links to another deposit account to pay overdrafts. If your overdraft
sweep draws from an account not transferring from South State Bank, it will no longer be in effect. Unless you have been notified
otherwise by us, First Palmetto Bank will honor South State Bank’s Ready Reserve overdraft protection plan, whereby an unsecured line
of credit is advanced to pay overdrafts. First Palmetto Bank will not offer Automated Overdraft Privilege for any deposit accounts
transferring from South State Bank. This means that South State Bank deposit accounts transitioning to First Palmetto Bank that
previously had Automated Overdraft Privilege will be subject to First Palmetto’s standard overdraft practices described above unless a
different overdraft protection plan is in place.
Overdraft protection plans may be less expensive than standard overdraft practices. Please contact us if you have questions or require
more information regarding the differences between standard overdraft practices and overdraft protection plans.
Important!
First Palmetto will not offer Automated Overdraft Privilege for any deposit accounts transferring from South State Bank. This
means that deposit accounts transitioning to First Palmetto Bank that previously had Automated Overdraft Privilege will be
subject to First Palmetto’s standard overdraft practices as described above unless a different overdraft protection plan is in
place. Please visit your local branch to inquire about applying for First Palmetto’s overdraft protection plan if you are interested.
CONTACT US
Call Us
Toll Free
1.800.922.7411
Local Telephone
803.432.2265
Hours of Operation (All Branch Locations)
Lobby Hours Monday – Thursday
9:00 AM to 5:00 PM
Lobby Hours Friday
9:00 AM to 6:00 PM
Drive Thru Opens at 8:30 AM
Mailing Address
First Palmetto Bank
PO Box 430
Camden, SC 29021
E-Mail Address
support@firstpalmetto.com
Please continue to visit our website, www.firstpalmetto.com, for
additional news and updates regarding this upcoming transition. We will
periodically provide additional information that may be helpful for you,
including frequently asked questions, forms, disclosures, and additional
notices.
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