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Checking

Frequently Asked Questions (FAQs):



How do I close my account?
How do I open an account online?
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 send a Western Union?
How do I setup direct deposit?
How do I withdraw money from my checking?
What is Courtesy Pay and how does it work?





How do I close my account?
If you wish to close your account, we ask that you stop by any branch 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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How do I open an account online?
Things to keep in mind as you begin the application process:
  • It will take about 10 minutes to open and fund your new account.
  • The following accounts require personal attention, specific documentation and are not opened online: Trust, Individual Retirement Accounts (IRAs), Business, Teen accounts and Kids Club accounts. Please visit a local branch or contact us for assistance with these accounts.
What you will need:
  • A valid driver's license
  • Previous home address (if you have lived at your home address for less than two years)
  • U.S. Social Security Number or ITIN
  • U.S. checking account or credit/debit card to fund the account
  • You must be a U.S. citizen or a U.S. resident alien
To open your account now, Click Here

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What are my deposit options?
  • Direct deposit
  • 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 and some CO-OP Network ATMs using your South Carolina Federal MasterCard® Debit Card.
  • Bank to Bank wires
  • Deposits can be made at any one of our branch locations during business hours or through the night drop deposit box on the side of every branch building.
  • Contact us to make a Western Union SpeedPay deposit by phone.
  • 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: Back to Top



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 branch 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.
      • Utilize Switch Kit to obtain the appropriate form for the income provider.
      • Supply the following information on the 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:
        • Online Banking, Phone Banking at 843-797-8255 or toll free at 800-845-8355 and Mobile Banking to transfer between South Carolina Federal accounts.
        • Bill Pay to pay bills
        • Cash withdrawals or transfers between accounts from South Carolina Federal ATMs and COOP ATMs with your MasterCard® debit card.
          • Non-South Carolina Federal ATM withdrawals are subject to foreign ATM fees.
          • Bank wire transfers
          • Conduct transactions at a local branch.
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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.
          • If your account is overdrawn for five or more consecutive days, an additional negative balance fee will be charged per day.
          • 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 Back to Top




                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).