Frequently Asked Questions(FAQs)


What is the routing number?

Routing Number: 253278401

Back to Top

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:

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 Fulfillment at 843-553-5729. 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 financial center

Back to Top
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

Back to Top
How do I discontinue or resume eStatements and eNotices?

To discontinue eStatements/eNotices:
  • 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
This affects ONLY eStatements/eNotices and DOES NOT affect your actual account access.

To resume eStatements/eNotices:
  • 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.
You will be notified by email when the next statement is available.

Back to Top
How do I process a stop payment?

To place a stop payment through Online Banking:
  • 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 
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.
Back to Top
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
  • Select your phone and notification method
  • 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:

Back to Top

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.

Back to Top

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

Back to Top

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:

To request Overdraft Protection:

Back to Top

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.

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.
  • Supply the following information on the form to your income provider:
  • Complete account number o South Carolina Federal Credit Union’s routing number: 253278401
Back to Top
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

      A South Carolina Federal Credit Union representative will assist you in the process. To enroll, please visit one of our financial centers or call our Contact Center:

      • 843.797.8300  (Charleston)
      • 803.738.8300  (Columbia)
      • 843.545.8300  (Georgetown)
      • 800.845.0432  (Nationwide)

      Forgot your User ID?

      Please call our Contact Center for assistance:

      • 843.797.8300  (Charleston)
      • 803.738.8300  (Columbia)
      • 843.545.8300  (Georgetown)
      • 800.845.0432  (Nationwide)