Frequently Asked Questions

Call any Sandhills Bank office during business hours for help.
Call 1-800-500-1044 to report a lost or stolen card 24 hours a day, 7 days a week.

Yes, deposits are covered by FDIC insurance to the fullest extent allowed by law. For additional information concerning FDIC insurance coverage visit https://www.fdic.gov/edie/.

Sandhills Bank has six locations currently. The headquarters is located at 1020 Highway 17 N in North Myrtle Beach. The Windy Hill office is located at 4400 Highway 17 S in North Myrtle Beach. The Myrtle Beach office is located at 610 International Drive. The Carolina Forest office is located at 273 Carolina Forest Boulevard in Myrtle Beach. The Socastee office is located at 4600 Highway 17 S in Myrtle Beach. We also have a remote ATM located at 7096 Highway 90 in Longs.

You can reorder by using the order slip located in your box of checks.
You can go to the Resources Link on the home page of our website and choose "Reorder Checks".
You can drop by any branch for assistance.

Yes. The feature is available within Online Banking by choosing Accounts > Download account transactions.

Within Online Banking, choose Accounts > Account Statements and follow the instructions.

Our ATMs located at 1020 Highway 17 N in North Myrtle Beach and 7096 Highway 90 in Longs take cash and check deposits.

In order to open an account, we need one of the following primary types of identification:
- Driver's License
- Military I.D. Card
- Passport
- U.S. Alien Registration Card
If you do not have of the above items, we will need two of the following secondary types of ID, one of which needs to be a photo ID:
- State ID Card
- Credit Card
- Social Security Card
- Birth Certificate
- Marriage License
- Voter Registration Card
- Student ID Card
- Employee ID Card

Purchase, build, expand or upgrade your business with one of our commercial loans. Our bankers will work with you to structure your loan to suit your individual business needs. A Sandhills' Bank commercial loan product can provide your business with the necessary funds to grow. Visit your local branch or call (843) 280-2265.

A flexible Sandhills Bank line of credit is always there when you need it, whatever the purpose. Whether it's to protect against occasional overdrafts, manage your cash flow or meet seasonal operating expenses without applying for a loan each time, a line of credit can be a valuable tool for your business.

As chip technology will soon become the security standard in the U.S., many merchants already accept chip cards and we want you to have the latest technology. You'll enjoy greater security when making purchases at a chip-enabled terminal or ATMs since the chip provides better protection against counterfeit fraud. Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United Kingdom, so you'll enjoy greater acceptance when traveling internationally.

It stands for Europay, MasterCard and Visa, the three companies that originated the technical standard. You will also hear them referred to as smart cards or chip cards. In addition to storing data on the magnetic stripes they also store the data on integrated circuits (the embedded microchip).

If the retailer/ATM has a chip-enabled terminal, the card is simply inserted face up in the terminal. The chip will remain in the terminal while the transaction is being processed. To authorize the transaction, follow the prompts as you do today. You will be prompted to enter a PIN or provide a signature to verify the transaction. Always remember as a cardholder the signature based (credit) transaction provides the most protection to you! When traveling internationally you may not be asked for a PIN. Once the transaction is complete you will be prompted to remove the card. If the terminal is not chip-enabled, you will swipe just as you do today. For transactions made over the phone or online, nothing changes.

Sandhills Bank will be sending new EMV cards during the week of February 20, 2017. Continue to use your standard card with the magnetic stripe until your new card arrives.

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