SCBT Financial Corporation operates as the holding company for SCBT, N.A. that provides retail and commercial banking services in the Carolinas. Its deposit products include checking accounts; savings and time deposits; and certificates of deposit, as well as interest-bearing transaction accounts, including NOW, HSA, IOLTA, and market rate checking accounts. The company also offers loans for businesses, agriculture, real estate, personal use, home improvement, and automobiles, as well as provides credit cards, letters of credit, and home equity lines of credit. In addition, it offers mortgage lending and investment services. Further, the company provides brokerage services; alternative investment products, such as annuities and mutual funds; trust and asset management services; safe deposit boxes; bank money orders; wire transfer services; correspondent banking services; and ATM facilities. As of April 27, 2012, it operated 76 locations in 19 South Carolina counties, 10 north Georgia counties, and Mecklenburg County in North Carolina. The company was formerly known as First National Corporation and changed its name to SCBT Financial Corporation in February 2004. SCBT Financial Corporation was founded in 1933 and is headquartered in Columbia, South Carolina.