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Online Banking

To help you use Online Banking to the fullest, we offer a number of online help resources. Below you will find How-To User Guides and Frequently Asked Questions (FAQs). If you continue to have trouble be sure to contact us at your convenience and we will personally assist you.


Enhanced Multifactor Authentication FAQs PDF  


How-To User Guides:

How to Register for Online Banking Thank you for you interest in Online Banking. We have broken down the registration process into 6 easy steps. We have provided instructions and sample screen shots to help guide you in the registration process.

Guide to the Online Banking Enhancements to the Online Banking help you do your everyday money management tasks quickly and easily all in one place. We have provided instructions and sample screen shots to help guide you through this process.

Guide to Remote Deposit through Online Banking Thank you for your interest in Online Services. You can deposit checks remotely from your home scanner through Online Banking.

Guide to change your Email Address Thank you for you interest in Online Services. We have identified several places and provided instructions that your email address must be changed to ensure you are up to date on all your account information.



Frequently Asked Questions:

Which browsers can I use to view Online Banking?
What system settings are required to properly access Online Banking?
How do I check my browser settings?
Can I view my personal & business accounts together?
How do I access my account through Online Banking?
How do I access my other accounts through Online Banking?
Where can I find my transactions in Online Banking?
How do I view my pending transactions in Online Banking?
How long does it take for transfers to display in My Accounts list?
Can I include a memo or note when completing an account transfer?
Where can I see my check images?
How do I print my transactions and check images?
How can I pay my bills online?
How do I unlock my account?
How do I change my User ID?
How do I change my Password?
How do I update my email address?
How do I update my security phone number(s)?
What happens if I forget my User ID or Password?
Why are some transactions on My Accounts list not in the spending chart?





Which browers can I use to view Online Banking?
Your Online Banking pages are supported by most modern browsers. In order to ensure the best possible experience, please be sure you are using the most up to date versions of the browsers listed below. Your browser will need both Javascript and cookies enabled to access and operate within the site.

  • Microsoft Internet Explorer 8
  • Microsoft Internet Explorer 9
  • Mozilla Firefox
  • Google Chrome
  • Apple Safari
If you are not using one of the supported browsers listed above, you may encounter issues within your Online Banking experience. We recommend switching to one of the supported browsers listed above in order to ensure you have an optimal Online Banking experience.


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What system settings are required to properly access Online Banking?
The following settings and plug-ins are required to properly access Online Banking:

Configuration Requirements
Cookies Enabled (first-and third-party)
JavaScript Enabled
Min. Screen Resolution* 1024 x 768 pixels
PDF Reader Compatible2
Adobe Flash Player Latest version3

2Any compatible PDF viewer will suffice. For some operating systems (e.g. Mac OS X) and for some browsers (e.g. Google Chrome) PDF viewing capabilities are available "out-of-the-box" without the need to install additional software. If a native PDF viewer is not available, you can download Adobe Acrobat Reader.

3Adobe Flash is only needed for FinaceWorks users.


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How do I check my browser settings?
Here are settings for each supported browser:



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Can I view my personal & business accounts together?
The credentials for your personal and business accounts are specific to that account and are not able to be viewed together under one log in.

What you will need to login to your Business account:
  • Completed Online Banking application (DOC, 176kb) and agreement (PDF, 119kb)
  • Four log in credentials will be required to access the account
    • company ID
    • company password
    • user ID
    • user password
    • Access home page for Online Business Banking log in
    If you do not have your login credentials or need help logging in, please contact us.

    What you will need to login to your personal account:
    • Your account number (also referred to as member number) and Phone Banking PIN.
    If you do not have your Phone Banking PIN, please contact us



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    How do I access my account through Online Banking?
    What you need:
    • Your account number (also referred to as member number) and Phone Banking PIN.
    • If you do not have your Phone Banking PIN, please contact us.
    • Access the home page for Online Banking Login.
    What to expect when you login:
    • Password Change Required – the new password must:
      • Be between 8-10 characters.
      • Include at least 1 upper case letter, 1 lower case letter and 1 number.
      • Password cannot be the same as the User ID.
      • Cannot contain leading or trailing blanks.
      • User ID Change Required – the new User ID must:
        • Be different than your current User ID.
        • Be 8-20 characters in length and contain a letter.
        • Enhanced Login Security Settings:
          • Review login information.
          • Update phone numbers.
            • Add up to two phone numbers to receive a one-time use passcode.
            • Select how you would like your one-time use passcode received, it can be sent by voice call or SMS text.
            • Enter one-time use passcode
            • Click Confirm
            • Finish verification
            • Remember the computer I’m using now:
              • Select this option if you do not want to validate every time you log in your current computer.
              • Instead, we will remember the computer the next time you attempt to log in.
              • Do not check this option if you are using a shared or public computer (i.e., Library computer or Internet café).

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              How do I access my other accounts through Online Banking?
              Unfortunately, the Cross-Member Account Access option within Online Banking is temporarily disabled. You can still access your other accounts by logging out of one account, and logging into another account. We apologize for the inconvenience.

              Change Current Member Option Disabled


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              Where can I find my transactions in Online Banking?
              Clicking the Quick Peek or the account type opens a new window that shows the balance and available balance along with the most recent transactions or payment activity for that account. High transaction volume accounts (like Checking) will show 5 days of account activity. Low volume accounts (like loans) will show 30 days of account activity.

                             Account history screenshot                          Quick Peek feature screenshot

               

              You will also find helpful links to Make a Transfer and Go to account history at the bottom of the window. Just click the X button on the top right or anywhere outside of the window to close it. Clicking the account name or the Go to account history link opens the New Account History Page for that account.


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              How do I view my pending transactions in Online Banking?

              Any pending transactions such as direct deposit and debit purchases will appear as a “PENDING” within Online Banking. It will continue to appear as “PENDING” until the item has cleared or posted to your account. Pending transactions are factored into your “available balance” to reflect the impact to your balance once the items actually clear or post.

              pending transaction screenshot



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              How long does it take for transfers to display in My Accounts list?
              Transactions now post immediately when you complete a transfer. This means that the page will automatically refresh (to get the new account balances) when you close the transfers success window.


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              Can I include a memo or note when completing an account transfer?
              Yes, you can include a memo or note when completing an account to account transfer. This option appears in the Make a Transfer section within Online Banking.

               


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              Where can I see my check images?
              First go to the My Accounts area and find the account you're looking for. Click the account name link for that account to open the New Account History Page. The check will display as a link, typically with the check number. Simply click the link to view images of the front and back of the check. Click the Close button at the bottom of the window when you are finished.


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              How do I print my transactions and check images?
              First go to the My Accounts area and find the account you're looking for. Click the account name link for that account to open the New Account History Page.

              Print Transactions:

              • Make sure the date range is what you want (e.g., 30 days) or select a different date range using the Change drop-down list.
              • Click the Print icon or link to open a separate window showing the transactions in a printer friendly format.
              • Select a printer, if needed.
              • Click the Print button to send the transaction list to the printer.


              Print Check Images:
              • In the New Account History Page, open the account that you want.
              • Click the check link that you want to print.
              • With the check images displayed, click the Print icon or link.
              • Select a printer, if needed.
              • Click the Print button to send the check images to the printer.

              Print Check Images:


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              How can I pay my bills online?
              If you are already registered for Bill Pay, simply click on the Bill Pay tab located in the main menu. Or, you can click "Go to Payments" in the Make a Payment or Bill Pay widget.

               Make a Payment Bill Pay User

              Not registered for Bill Pay, simply:

              • Click "Signup for payments" in the Make a Payment or Bill Pay widget

              Or

              • Click on Bill Pay in the main menu.
              • Click Enroll Now
              • Verify the Account Holder Personal Information
              • Notify us if you change ANY INFORMATION in the Account Holder Personal Information section.
              • Verify the Account Information
              • Select the Funding Account to pay online bills
              • Begin paying bills immediately.
              To keep your Bill Pay account activated, pay a bill within 90 days or the account will become inactive. If this happens, contact us to have the account unlocked.

              If you are unable to set up your Bill Pay, or have any questions, please visit a local branch or contact us

              To keep your Bill Pay account activated, pay a bill within 90 days or the account will become inactive. If this happens, to have the account unlocked. If you are unable to set up your Bill Pay, or have any questions, please visit a or



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              How do I unlock my account?
              Your account may not be locked, but instead, the password being entered is incorrect.

              Use the Forgotten Password Reset feature to regain access to the account. Be prepared to enter:

              • Phone number (this phone number must be already added to your account using enhanced multifactor authenification)
              • Your User ID
              If you are still unable to access Online Banking or have forgotten the User ID, please use the Online Log-in Help Tool.


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              How do I change my Username?
              You can change your Username in My Profile located at the top right of the page in Online Banking. Follow these steps to change your Username:

              • Click My Profile
              • Under Security, click on the "Change" link next to your current Username
              • Enter a new username that matches the username guidelines described in the Username policy section
              • Then enter your current password
              • Click "Save" to change your Online Banking Username.

              Upon successful entry, a confirmation message will be displayed and an email will be sent to the email address that is on file within Online Banking. This change will take place immediately and be recognized across the system.


              If you forget your User ID or Password, use the Online Log-in Help Tool.


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              How do I can my Password?
              Changing your password couldn't be easier. Just click the My Profile tab at the top right of the page. Follow these steps to change your password:

              • Under Security, click on the "Change" link next to your current Password
              • Enter your current password
              • Enter your new password twice.
              • Click "Change Password" to submit your new password information.

              A confirmation message appears. If your e-mail address is on file in the system, and you elect to change your Password, you will receive an email confirming the change.

              Like all passwords, it is important to keep your Internet Banking password confidential.

              If you forget your User ID or Password, use the Online Log-in Help Tool.


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              How do I update my email address?
              To change your email address in Online Banking follow these simple steps:

              • Log into Online Banking at scfederal.org
              • Once logged into Online Banking click on the “My Profile” located in the upper right corner
              • Under My Settings, click on "User Options"
              • Select “Change email Address”
              • Enter your new email address in the space provided
              • Click “Change email Address”
              • You will receive a confirmation email


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              How do I update my security phone number(s)?
              In My Profile section, under Security, you can quickly update your existing security phone numbers. If you only have one phone number entered, you have the ability to add another phone number. When you are finished, click the OK button to save your changes.



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              What happens if I forget my User ID or Password?
              If you forget your User ID or Password, use the Online Log-in Help Tool.


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              Why are some transactions on My Accounts list not in the spending chart?
              The transactions shown in the spending chart are collected every night from your different accounts by FinanceWorks. But in some cases it may take a day or two for transactions to appear in the chart. FinanceWorks may not be able to get the transactions from one or more of your accounts (e.g., if an account is offline and doesn't respond). FinanceWorks won't be able to retrieve transactions from that account until the error is fixed.

              Help View Spending Financeworks

              Hint: If you would like to ensure that all available transactions are displaying in the chart, click on the Go to FinanceWorks link at the bottom of the View My Spending section. Once in FinanceWorks, click the Refresh button in the upper left part of the page to download your latest transactions. Then go back to Online Banking and click on the Home link at the top of the page (if needed). One the page reloads, your latest transactions should be included in the chart.




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              Print Check Images: To keep your Bill Pay account activated, pay a bill within 90 days or the account will become inactive. If this happens, to have the account unlocked. If you are unable to set up your Bill Pay, or have any questions, please visit a or


              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).