Checking Accounts

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Frequently Asked Questions

How do I close my account? 

What are my deposit options?

How do I complete a bank-to-bank wire transfer?

How do I process a stop payment?

How do I request a check copy?

How do I setup direct deposit?

How do I withdraw money from my checking?

What is Courtesy Pay and how does it work?

How can I avoid overdrafting my account?



How do I close my account?

If you wish to close your account, we ask that you stop by any financial center location or Contact Us.

Please be advised, your account cannot be closed if you have an open credit card and/or loan with a balance. If the credit card and/or loan are paid in full, but still open, you will still need to sign documents to close those accounts.

South Carolina Federal designs its products and services to stay one step ahead of members’ needs. If you plan to close your account due to relocation, please keep in mind that we offer 24/7 access to your accounts via Online Banking, Phone Banking, Mobile Banking, Text Banking and mobile apps.

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What are my deposit options?

  • Download the Direct deposit form here (PDF)
  • Mail in deposits with the account number to South Carolina Federal Credit Union at:
    P O Box 190012
    N Charleston, SC 29419-9012
  • Deposits can be made at any one of our ATMs using your South Carolina Federal MasterCard® Debit Card.
  • Bank to Bank wires
  • Deposits can be made at any one of our financial center locations during business hours or through the night drop deposit box on the side of every financial center building.
  • Contact us to make a deposit by phone using money transfer services through ACI Payments, Inc.  
  • Remote Deposit via Mobile Banking Apps

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How do I complete a bank-to-bank wire transfer?

What we offer:

  • Bank to Bank wire transfers
  • A Bank to Bank wire takes 8 to 24 hours to process.
  • Ability to send or receive funds
  • Wire transfer fees may vary, please refer to our Rate and Fee schedule.
What you will need to send a wire transfer:
  • Provide us with the corresponding bank's routing number and the account number.
What you will need to receive a wire transfer:
  • Please contact the sending financial institution with your South Carolina Federal account number and routing number.
To send a bank to bank wire transfer:

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How do I process a stop payment?

To place a stop payment through online banking:

  • Access your account in Online Banking
  • Under the “Account Access” tab, click on “Stop Pay”
    • Under the “Account” drop down box, select your checking
    • Under “Single Check Information,” enter the check number to be stopped.
    • A stop payment fee will be assessed to your account, please refer to the Rate and Fee Schedule.

    You may also contact us to place a stop payment:

    • Stop Payments are not guaranteed because some merchants may process payments using electronic methods.
    • Stop Payments are in effect for 180 days.

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    How do I request a check copy?

    Copies of cleared checks are available for up to 7 years from the date they are posted to your account.

    To obtain a check copy through Online Banking:

    • Log into your account through the homepage
    • Under the “Account Access” tab choose “View Transaction History”
    • If the check number appears in the “History” click on the blue hyperlinked check number; an image of the check will appear.
      • Check are maintained through online banking 6 months after the cleared date
      Use our Secure Chat feature to complete your request:
      • Please log into Online Banking and click on the “Secure Chat” link for a live chat with one of our representatives.

      For check copies beyond 6 months visit a local financial center or Contact Us.

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      How do I setup direct deposit?

      Electronically placing your paycheck, pension, Social Security, or other regular monthly income into your checking, savings, or money market account is easy.

      • There is no charge for having a direct deposit.
      • Supply the following information on the direct deposit form to your income provider:
        • Complete account number
        • South Carolina Federal Credit Union’s routing number: 253278401

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      How do I withdraw money from my checking?

      There are several ways to withdraw from your account including:

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      What is Courtesy Pay and how does it work?

      Courtesy Pay is our standard overdraft practice that authorizes and pays overdrafts for the following types of transactions when funds are not available:

      • Checks, Automated Clearing House (ACH – electronic processing of financial transactions) and other transactions made using your checking account number
      • Automatic bill payments
      Courtesy Pay does not guarantee that we will always authorize and pay any type of transaction.
      • We pay overdrafts using Courtesy pay at our discretion.
      • If we do not authorize and pay an overdraft, your transaction will be declined.
      • A Courtesy Pay (Paid NSF) fee will be charged each time an overdraft is paid. (See Fee Schedule)
      • If your account is overdrawn for five or more consecutive days, an additional negative balance fee will be charged per day. (See Fee Schedule)
      • There is no limit on the total fees that can be charged when you overdraw your account
      Three levels of Courtesy Pay that are available include:
      • Premium Courtesy Pay
        • Attempts to cover all items (ACH, Checks, one time debit card and ATM transactions)
        • Standard Courtesy Pay
          • Attempts to cover Checks, ACH, and Online Bill Pay only.
          • Opt Out of Courtesy Pay
            • Nothing is covered.
            To add or remove Courtesy Pay from your checking account

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            How can I avoid overdrafting my account?

            Here are some tools to help you stay on top of your finances and avoid overdrafts:

            Budget: Check out our budgeting tips here to help you make better financial decisions.

            Enroll in Direct Deposit: Direct Deposit lets you receive your paychecks faster and helps ensure you have the money you need, when you need it.

            Enroll in Online Banking: Check your balances and account history, schedule transfers, receive mobile account alerts and deposit checks through Remote Deposit; all through the convenience of Online Banking. 

             

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