Frequently Asked Questions

What is the routing number and my account number?

Routing Number: 253278401
Account Number: Your account number can be found by clicking on the corresponding account in Online Banking, then select Account Information.

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How can I get the payoff amount for my loan?

A payoff quote is available for all loans and will include accrued interest and the daily per diem.

• Visit a local financial center or
• Contact us

• Visit a local financial center or
• Contact us

Any overage of your payoff will be deposited into your savings account or returned to you in an overpayment check.

• Contact Dovenmuehle at 877-636-9534

• Member Name
• Member Social Security Number
• Account Number
• Payoff (good through) date
• Return Fax Number
• Copy of a signed authorization of release form from member requesting this information
• Once payoff is given, Second Mortgage/HELOC will be locked and no advances can be taken

• Approximate purchase amount of property
• Mortgage loan type
• Gross monthly income (before taxes)
• Down Payment Amount
• Total monthly debts (excluding credit cards)
• Total current balances on all credit cards

• Visit our Mortgage website
• Choose HOME LOAN BASICS, then click on PURCHASING A HOME
• Select the PURCHASE CALCULATORS link and you will arrive on this page

• In Online Banking, click on desired account (i.e. savings or checking account tile)
• Click on "Statements"
• Click "Continue"
• Click "Settings"
• Click “Discontinue/Resume accounts”
• Check the box under “Discontinue” and click "Submit"
• EStatements/eNotices are now canceled and you will resume receiving paper statements through U.S. Mail

• In Online Banking, click on desired account (i.e. savings or checking account tile)
• Click on Statements
• Click "Continue"
• Click "Settings"
• Click "Discontinue/Resume accounts"
• Check the box under “Resume” and click "Submit"
• Please read over the “SOUTH CAROLINA FEDERAL CREDIT UNION ELECTRONIC STATEMENT ("eStatements/eNotices") AND DISCLOSURE AGREEMENT” and click “Yes” or “No.”
• If you click “Yes,” you are signed up to resume eStatements/eNotices.
• Your next periodic statement will be sent electronically.

• Login into Online Banking
• Click on the corresponding checking account tile
• Click on "Stop payments"
• Enter the check number (or range of check numbers) to be stopped, check date, amount, and reason 
• Click "review"
• A stop payment fee will be assessed to your account; please refer to the Rate and Fee Schedule 

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

• Your User ID and
• Select your phone and notification method
• You will then be prompted to create a new password

• Visit a local financial center or
• Contact Us

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What happens if I forget my User ID Password

If you forget your password, you can use the Forgotten Password Tool located just under the log-in area. This tool can also help you should your account be locked out due to too many invalid login attempts.

If you forget your User ID, please call our Contact Center for assistance.

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What is Courtesy Pay and how does it work?

Courtesy Pay is a non‐contractual courtesy (not a loan) that may or may not pay items from a checking account when funds are not available.

• We pay overdrafts using Courtesy Pay at our discretion.
• We do not guarantee that we will always authorize and pay any type of transaction
• If we do not authorize and pay an overdraft, your transaction will be decline.
• 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 business days, an additional fee may apply. (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 are available:

• 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

• Visit a local financial center or
• Contact Us 

What is Overdraft Protection?

Overdraft Protection is a service to help prevent returned checks and overdrafts on your checking account.

How it works:

• Available funds from your savings, checking, money market, credit card, or line of credit (PAL or HELOC) are automatically transferred to your checking account in the event of an overdraft.
• Fees may apply for overdraft transfers. (See Fee Schedule) 

To set an existing account as Overdraft Protection:

• Visit a local financial center or
• Contact Us 

To request Overdraft Protection:

• Visit a local financial center  or
• Contact Us 

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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.

For more information about overdrafts and overdraft fees, click here. (PDF)

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What is Direct Deposit and how do I set it up?

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

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

• Name of each applicant
• Physical Address (P.O. Box does not apply)
• Length of time at address
• Contact Phone Number
• E-mail Address
• Social Security number
• Date of Birth
• Income Information
• Name of current Employer
• Address and Phone Number of Employer
• Length of Employment
• Salary
• Position Held
• Other applicable income (Retirement, Pension, Disability, Court-Ordered Child Support)
• Current mortgage or rent obligations
• Name and phone number of nearest relative not living with you
• Reason for loan application

• Visit a local financial center or
• Contact Us

1. Log into online banking on a computer (not on a mobile device)
2. Click on one of your account tiles
3. Click on "More Actions"
4. Click on "Order Checks"
5. Click "Continue"
6. Follow the remaining steps