South Carolina's economy has transformed dramatically over the past two decades — from textiles to advanced manufacturing (BMW, Boeing, Volvo), tourism along the Grand Strand, and a massive influx of retirees to Hilton Head and Myrtle Beach, each demographic requiring different banking services.
The Charleston metro area has become a manufacturing powerhouse, with Boeing's 787 Dreamliner assembly facility and Volvo's first US manufacturing plant both located nearby. South State Bank is South Carolina's most prominent locally-chartered bank, having grown through aggressive acquisitions across the Southeast. Truist (legacy BB&T) has a dominant retail presence throughout the state.
National Banks in South Carolina
These banks use South Carolina-specific ACH routing numbers for accounts opened in South Carolina.
| Bank | ACH Routing # | Wire Routing # | Notes | Verify |
|---|---|---|---|---|
| Capital One | 051405515 | 056073502 | Capital One uses a single routing number for all states. | Verify |
| Ally Bank | 124003116 | 124003116 | Ally is online-only and uses the same routing number for all states. | Verify |
| Charles Schwab Bank | 121202211 | 121202211 | Schwab Bank uses a single routing number nationwide. | Verify |
When You Need a South Carolina Routing Number
Direct Deposit
Use your ACH routing number for payroll setup.
Tax Refunds
IRS refunds use ACH — always use the ACH number.
Wire Transfers
Large payments require a separate wire routing number.
Bill Pay
Autopay uses the ACH routing number, same as your checks.
Regional Banks in South Carolina
Headquartered or major operations in South Carolina. Typically one routing number statewide.
South Carolina Credit Unions
BMW's manufacturing facility in Greer, South Carolina is the largest BMW production plant in the world — producing more vehicles than any other BMW factory, including those in Germany.
SC Federal Credit Union
SiteNorth Charleston CU open to South Carolina residents statewide.
Founders Federal Credit Union
SiteLancaster, SC CU serving the Piedmont region of South Carolina.
First Financial Federal CU
SiteSummerville, SC CU serving the greater Charleston metro area.
SAFE Federal Credit Union
SiteSumter, SC CU serving the Midlands region of South Carolina.
FAQ — South Carolina Routing Numbers
Truist uses 053101121 for South Carolina ACH accounts — a legacy BB&T routing number. BB&T was historically dominant in South Carolina, so when BB&T and SunTrust merged to form Truist in 2019, the BB&T routing number was preserved for South Carolina. SunTrust had less presence here than BB&T. Wire transfers use Truist's national wire number: 061000104.
South State Bank's legal headquarters moved to Winter Haven, Florida after its 2020 merger with CenterState Bank, but it retains deep South Carolina roots — the bank was founded in Columbia, SC and grew through decades of South Carolina community banking acquisitions. Despite the Florida address, South Carolina remains its largest market. Their routing number for SC accounts is 053270921.
Yes — SC Federal Credit Union is open to residents of South Carolina statewide. Based in North Charleston, SC Federal serves members across the state and is one of the most accessible credit unions in South Carolina. Their routing number is 253278789.
Bank of America uses 053000196 for ACH transactions on South Carolina accounts. This Southeast routing number reflects BofA's legacy NCNB (North Carolina National Bank) and NationsBank heritage, which were the dominant banks across the Carolinas before the eventual mergers that created Bank of America. Wire transfers use BofA's universal number: 026009593.
A routing number is a 9-digit ABA code identifying a financial institution. National banks maintain state-specific routing numbers inherited from regional bank acquisitions to avoid disrupting millions of existing direct deposit setups.