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Frequently Asked Questions(FAQs)

What is the routing number?
How can I get the payoff amount for my loan?
How can I prequalify for a mortgage loan?
How do I discontinue or resume eStatements and eNotices?
How do I process a stop payment?
How do I unlock my account?
What happens if I forget my User ID Password?
What is courtesy pay and how does it work?
What is Direct Deposit and how do I set it up?
What is Overdraft Protection?
What personal information is needed for a loan application?





What is the routing number?

Routing Number: 253278401


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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.

Auto, boat, recreational vehicle, credit cards or personal loans:
To obtain a 10 business day payoff quote:

To obtain today's payoff quote:

  • Access Online Banking (Select loan name then click Account Information)
  • Visit a local branch or
  • Contact us

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



First Mortgage:
  • Contact Dovenmuehle at 877.636.9534

Second Mortgage/HELOC:
Fax payoff request to Second Mortgage Department at 843-569-5107. Request must include:
  • 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
Or visit a local branch

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How can I prequalify for a mortgage loan?
Here’s what you need:
  • 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
How to prequalify:
  • Visit Mortgage Mart, South Carolina Federal’s mortgage website
  • Click MORE and select CALCULATORS
  • Select PURCHASE CALCULATORS and choose “Pre-Qualify”
  • Complete the prequalification form
Prequalification letters can be obtained by contacting our Mortgage Department

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How do I discontinue or resume eStatements and eNotices?
To discontinue eStatements/eNotices:
  • Click on the eStatements/eNotices tab within Online Banking.
  • Scroll to the bottom of the page and click on the “Change Registration Information” link.
  • When the options appear, click on “To discontinue or resume accounts” button.
  • Check the box under “Discontinue” and hit Submit.
  • EStatements/eNotices are now canceled and you will resume receiving paper statements through U.S. Mail.
This affects ONLY eStatements/eNotices and DOES NOT affect your actual account access.

To resume eStatements/eNotices:
  • Click on the eStatements/eNotices tab within Online Banking.
  • Scroll to the bottom of the page and click on the “Change Registration Information” link.
When the options appear, click on “To discontinue or resume accounts” button.
  • Check the box under “Resume” and hit 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.
You will be notified by email when the next statement is available.

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How do I process a stop payment?
To place a stop payment through Online Banking:
  • Login into 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 unlock my account?
If you are unable to access Online Banking, try using the Forgotten Password Reset feature.

You will be asked to enter:
  • Your User ID and
  • Answer your 2 validation questions
  • You will then be prompted to create a new password.
If you still unable to access Online Banking, you may be locked out.

To have your account reset:
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What happens if I forget my User ID Password
If you forget your User ID or 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.

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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 $35.00 Courtesy Pay (Paid NSF) fee will be charged each time an overdraft is paid
  • If your account is overdrawn for five or more consecutive business days, an additional $5.00
  • 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 Back to Top



        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.
        • 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 o South Carolina Federal Credit Union’s routing number: 253278401
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          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, Money Market or Line Of Credit (PAL or HELOC) are automatically transferred to your checking account in the event of an overdraft.
          • Fee of $2 for overdraft transfers.

          To set you an existing account as Overdraft Protection:

          To apply for Overdraft protection:

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          What personal information is needed for a loan application?
          For all loan requests you will be asked to provide personal information:
          • 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
              To apply now: 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).