SCBT, offers a full range of retail and commercial banking, mortgage lending and trust and investment services and consumer finance loans. The banks offer trust, insurance, investment and electronic services and products. They provide checking and money market accounts, savings deposits, demand deposits and time deposits. SCBT Financial s subsidiary banks loan portfolios comprise commercial business loans, commercial and residential real estate construction and mortgage loans, loan participations, consumer loans, revolving lines of credit, letters of credit and residential mortgages.