About Us

Age isn't everything, but it speaks volumes about a bank today.

We've been serving customers of Upstate South Carolina since 1906. So while other banks come and go, we keep giving our customers what they want: convenient, friendly service with innovative financial products. We've done it this way for a century.

We are the third largest independent community bank headquartered in South Carolina. Currently we have 29 locations in 21 cities.

Vision, Mission & Core Values
We figure you should know who you are dealing with.
Our Customers Tell It Like It Is
Here's what some of them have to say about us.
Principles for Financial Privacy
Corporate Information
Want to know more about our company?
Just call, write or e-mail us.

This is our strategic vision.

Strategic Vision - 2008

In this, our second century of service to the Upstate, we will continue to be recognized as South Carolina's most trusted and respected independent provider of innovative, high quality banking, trust and investment services.

This is what we want to accomplish as a company.

Mission Statement

As an independent Upstate financial institution, our mission is to achieve superior long-term shareholder value, exercise exemplary corporate citizenship, and create an environment which promotes and rewards employee development and the consistent delivery of quality service to our customers.

This is how we have done business since 1906.
It's worked so well for us that we put it in writing.

Core Values Statement

We believe our business is built upon a commitment to teamwork and to these Core Values:

Absolute Customer Satisfaction
Honesty & Integrity In All Aspects Of Business
An Unrelenting Pursuit Of Excellence
Financial Growth & Stability
Respect & Concern For Each Employee
Community Involvement

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Our Customers Tell It Like It Is

Here's what our customers have to say about us. These are all direct quotes taken from comment cards mailed to our bank President. (We withheld names of other banks used in the quotes.)

"With the branches being open until 6:00 every night during the week and until 2:00 on Saturdays these new hours will really help with my business. Thanks for the new hours!"

"I was a (name of bank withheld) customer for years. You people have exceeded my expectations. My wife and I like banking with you."

"Palmetto Bank is the most personable bank I've ever dealt with."

"This bank is by far the most customer responsive I know of."

"...feels like visiting someone's home when we come into the bank."

"We have closed an account with another bank because we were so pleased and impressed with the service at The Palmetto Bank."

"Banking on Saturday is great and convenient for the odd shifts I work. Keep up the good work!"

"First class and first rate as far as we're concerned - just couldn't be more pleased with The Palmetto Bank!"

"I love my bankers! The service I receive exceeds expectations."

"Don't merge or acquire any others. Greed and growth will alienate your present good nature."

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POLICY AND PRINCIPLES FOR FINANCIAL PRIVACY

As financial services professionals entrusted with sensitive financial information, The Palmetto Bank respects the privacy of our customers and is committed to treating customer information responsibly. Our Principles for Financial Privacy service as our policy and standards for all bank employees for collection, use, retention, and security of individual customer information.

PRINCIPLE #1 Recognition of a Customer's Expectation of Privacy

We recognize and respect the privacy expectations of our customers. All employees will be made aware of and educated on these privacy principles and our guidelines for assuring compliance. The safekeeping of customer information is a priority for The Palmetto Bank.

PRINCIPLE #2 Use, Collection, and Retention of Customer Information

We will collect, retain, and use information about individual customers only where we reasonably believe it would be useful and allowed by law to administer our business and to provide products, services, and other opportunities to our customers. We collect and retain information about our customers only for specific business purposes. We use information to protect and administer customer records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand our customers' financial needs so that we can provide quality products and superior service.

PRINCIPLE #3 Maintenance of Accurate Information

We will maintain systems and procedures to ensure that a customer's information is accurate, current, and complete in accordance with reasonable commercial standards. If we become aware of or have requests to correct inaccurate information, we will respond in a timely manner. Department managers are responsible for correcting inaccuracies, informing users, and communicating actions with the customer.

PRINCIPLE #4 Limiting Employee Access to Information

We will limit employee access to personally identifiable information to those with a business reason for knowing such information. Through physical and data security measures, access to customer information will be allowed according to job function. All new employees will receive training on confidentiality and information security. All employees will agree to and sign the Information Protection and Personal Computer Employee Agreement and Code of Ethics. Breech of the trust associated with access to confidential information is serious and may be grounds for dismissal. Each such breech will be addressed internally on a case-by-case basis.

PRINCIPLE #5 Protection of Information via Established Security Procedures

Security procedures and systems will be maintained to limit access to and safeguard customer information. The Palmetto Bank Information Protection Policy and Procedures address the protection of confidential or sensitive information. Electronic and physical measures are utilized to protect information from disclosure to unauthorized parties.

PRINCIPLE #6 Restrictions on the Disclosure of Account Information

We will not reveal non-public, personal, financial information to third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless 1) the information is provided to help complete a customer initiated transaction; 2) the customer requests it; 3) the disclosure is required by / or allowed by law. We will not disclose account or customer information to unrelated or unaffiliated third parties for their independent use for marketing or similar purposes.

PRINCIPLE #7 Maintaining Customer Privacy in Business Relationships with Third Parties

If personally identifiable customer information is provided to third parties as allowed in #6 above, we insist that the third party adhere to privacy principles that provide for keeping such information confidential.

PRINCIPLE #8 Disclosure of Privacy Principles to Customers

We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed our Policy and Principles for Financial Privacy and Financial Privacy brochure, which are provided to and made readily available to our customers.

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