Horry County State Bank, also known as HCSB, offers a range of financial products and services. The bank has been in operation since 1987 and maintains more than 10 full-service offices. It offers gift cards of various denominations, as well as online bill payment options. The bank provides checking, savings, money market and individual retirement accounts. Horry County State Bank offers cash management, investment, and telephone and online banking services, as well as credit and debit cards. It also provides business, mortgage, home equity, construction and personal loans. In addition, Horry County State Bank offers mortgage payment and savings estimation calculators. The bank is owned by HCSB Financial Corporation.