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Debit Cards Help

Frequently Asked Questions(FAQs)

Are there any transaction fees for using my debit card?
How do I file a card dispute?
How do I order a debit card?
How do I redeem points for merchandise?
Is there a difference between signing and using PIN for transactions?
What should I do if my card is lost or stolen?
What should I do if my PIN is lost or stolen?






Are there any transaction fees for using my debit card?
  • MasterCard® may assess a foreign transaction fee for purchases made outside the United States.
  • Fees may still apply when used at a non-South Carolina Federal ATM. Visit www.co-opnetwork.org to locate a fee-free ATM near you.
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How do I file a card dispute?
Before filing a dispute, contact the company who processed the item to resolve with them. They may require you to supply proof of the charge such as:
  • a receipt
  • a copy of your account history or
  • statement
If you cannot reach a resolution with the merchant, you have 60 days from the statement date of which the transaction occurred to file a dispute.

For Debit Card disputes:
  • Visit a local branch to fill out a dispute form or
  • Contact Us to request a dispute form mailed
For Credit Card disputes:
  • Contact Cardholder Services at 800-654-7728
  • Visit a local branch to fill out a dispute form
After the dispute form is submitted:
  • The dispute form is forwarded to our card processor for investigation.
  • For Credit Cards, interest will not be charged on the amount disputed.
  • You may be contacted by our credit card processor through the mail if more information is required.
  • Follow all instructions on letters from the credit card processor promptly. If the forms are not completed and returned, the dispute will be closed.
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How do I order a debit card?
The MasterCard® Debit Card is accepted at millions of locations worldwide. You’ll have instant access to your Checking account with the convenience of a card.

If your card is damaged or if you have never had an ATM/Debit card assigned to your account:
  • Visit a local branch for a debit card instantly issued
  • Use our Secure Chat feature in Online Banking to request a card
  • Contact Us to request a card by mail
To activate your debit card, call 800-527-7728.

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How do I redeem points for merchandise?
Points can be redeemed for merchandise awards online or via mail.

To redeem points online:
  • Visit www.curewards.com
  • Select the “Merchandise” link to view the merchandise catalog.
  • Add the desired merchandise awards to your shopping cart for redemption.
  • Click on the "Proceed to Checkout" button to place your order online.
  • Enter your name, shipping address and a telephone number and click "Transmit Order" to submit your order.
  • You will receive a confirmation number after your order has been submitted.
  • Keep records of your order until you receive your award merchandise.
To redeem points via mail:
  • Complete the CURewards Order Form that can be printed from this web site.
  • Mail the order form to:
    • CURewards Award Headquarters
      2440 t 34th Street
      Chicago, IL 60608-5134
    • Keep records of your order until you receive your award merchandise.
    When to expect your shipment:
    • Generally, awards will be shipped via a parcel delivery service or by the U.S. Postal Service.
    • Should arrive in 4-6 weeks after your order is placed.
    • Larger items may be drop shipped directly from the factory and may take a few weeks longer.
    For questions regarding the status of your order or estimated shipping date, call Award Headquarters Customer Service at 1-800-621-4112.

    Points can be redeemed for travel awards online or via phone.

    Travel awards that can be redeemed through the CURewards Travel Agency include:
    • Airline tickets
    • Hotel certificates
    • Car certificates
    • Vacation packages
    • Experiences
    • Cruises
    To redeem points:
    • Visit www.curewards.com, and click on the "Travel" link or
    • Call 1-800-900-6160 and a CURewards travel representative will be able to assist you.
    Hours of operation:
    • Monday - Thursday: 10:30 am - 9:30 pm Eastern
    • Friday: 12:30 pm - 9:00 pm Eastern
    • Saturday: 12:00 pm - 6:00 pm Eastern
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    Is there a difference between signing and using PIN for transactions?
    • Some merchants may require a signature (such as many restaurants), while others may offer you the option of 'Credit' or 'Debit/ATM' when processing your purchase.
    • If you select 'Credit', you will sign a receipt to authorize your purchase.
    • If you select 'Debit/ATM', you will use your PIN.

    Benefits of signing for your purchases include:

    • Earning 1 CUReward point per every $3.00 you spend
    • Protection under the Zero Liability Act
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    What should I do if my card is lost or stolen?
    For Lost or Stolen Cards:
    • Call Cardholder Services at 1-800-449-7728 immediately.
    • Once your card has been cancelled, a new card will be mailed to you in 7-10 business days or
    • Visit a local branch to receive a card instantly issued
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    What should I do if my PIN is lost or stolen?
    • If your previous PIN number is not working, or you have forgotten your PIN number, you can bring your debit card and a picture ID to any of our branches and a new PIN number of your choosing can be assigned to your card.
    • Contact Us to have the PIN mailed to you.
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    Online Banking Enrollment

    Enrolling in Online Banking is simple and FREE:

    1. Enter your User ID
    2. Enter Phone Banking PIN as your Password
    3. Click on the LOG IN button

    If you don't know your Phone Banking PIN, please contact us at 843.797.8300 (Charleston) or 800.845.0432 (Nationwide).