Tap on the profile icon to edit
your financial details.
Advertiser Disclosure

Countybank Review

Your Details Done
by Updated
Countybank Savings
0.03% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Countybank first started operating in 1933 with its headquarters in Greenwood, South Carolina. Countybank owns $403 million in assets along with deposits totaling $321 million, making it a small bank. Countybank has above-average customer service access with a live chat feature, great for getting help during the work week. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. Overall, Countybank is a good bank that deserves your consideration, with a score of 4.1 stars out of 5 from our team. Countybank offers a full choice of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. Countybank has a fair savings rate compared to the average savings account. If you're interested in stress-free personal checking, Countybank's standard checking account does not have a monthly fee. Locating a checking account with no monthly fee as well as a savings account with a high APY at the same bank is your best bet for returning the most income from your deposits while having convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.03%, Countybank ranks poorly as compared against the national average. Its one-year and five-year term lengths CDs earn at a rate of 0.10% and 0.92%, respectively, while its highest-yielding money market account earns at a rate of 0.01%. Given Countybank's poor savings rate, you should consider looking at the competition to open savings accounts.

How Countybank's Savings Rates Compare

Countybank Savings 0.03 National Average 0.26 Compare Offers
Back to Overview


SmartAsset Average: 4.4

Countybank generally has extremely low fees in comparison to the national average. With no monthly fee, Countybank is perfect for those who want a simple banking experience. Countybank doesn't reimburse out-of-network ATM fees, meaning you will be required to find a Countybank ATM or accept the fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
Back to Overview

Service Quality

SmartAsset Average: 3.7

Countybank is a brick-and-mortar bank, with 12 total branches in South Carolina. With mobile and web apps, Countybank makes account access straightforward, even on the go. Additionally, Countybank offers a live chat feature, key for getting quick access to customer service. Countybank gets moderate reviews from customers for its online presence. The Countybank mobile app is rated at 3.9 out of 5 (with 50 reviews on Apple and Android) compared to the national average of 3.8. You can utilize Countybank's app to manage your funds by monitoring current statements, transferring funds as well as accessing support representatives. Countybank receives a superb consumer satisfaction rating based on relatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating 3.9/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat Yes
Back to Overview

Financial Health

SmartAsset Average: 4.8

Countybank is currently a small bank owning $403 million in assets as well as $321 million in deposits. It has a strong Texas Ratio of 10.98%, suggesting that Countybank is in good financial condition and improbable to fail. Additionally, Countybank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

Back to Overview

Compare Countybank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.03% APY $200
Certificates of Deposit
  • 12 Month: 0.10% APY
  • 24 Month: 0.20% APY
  • 36 Month: 0.41% APY
  • 48 Month: 0.65% APY
  • 60 Month: 0.92% APY
$500 for all terms
Money Market Account 0.01% APY $25000

Countybank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Countybank does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Countybank's CD rates are fair compared to other U.S. banks.

Back to Overview

Find a Countybank Near Me

Countybank has 12 physical locations in the U.S.

Back to Overview
Save more with these rates that beat the National Average
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure