Online Banking Log-in International Phone Process Change

Friday, August 30, 2013

Dear International Member,

As you know, South Carolina Federal Credit Union’s Online Banking log-in process changed in March. As promised, we now have a simplified system for our international members to access their accounts. You are now able to receive your passcode via text or call to international numbers. On September 12, 2013, South Carolina Federal will disable the e-mail passcode option, so it is imperative that you update your online banking profile by adding a phone number before this date.

This process is very simple and outlined below:
  • From, use your current username and password to log into Online Banking. You will receive your passcode via e-mail as usual.
  • Once logged in, click the “My Profile” link at the top of the home banking page. Here, you are able to update phone numbers.
  • Click on the drop down tab to the left of the number entry space (see graphic below), and select your country and suffix.
  • international suffix drop box
  • After you input the phone number and select a method (SMS text message or voicemail), you will be immediately contacted with a passcode.
  • After entering the passcode in a pop-up window, you’ll be prompted to select if this is a private or public computer. If a “private computer,” a special Browser Cookie will be maintained on the computer, and you will not need an additional passcode for future log-ins on that computer.

If you select "public computer," you will be asked to enter a unique passcode each time you log-in to your account. You may choose this option if you select private computer if you do not want the cookie enabled. NOTE: If you selected "private computer" and the computer is set to clear cookies, you will be asked to enter a unique passcode each time. Our Online Banking Help section of the website can assist you in enabling cookies.

As you will remember, this process is called enhanced multi-factor authentication. Using two different factors of authentication creates a higher assurance that you are the correct user, which enhances the security of your account. This is commonly used to protect transactions at ATMs, by employing your card (something you have), and your PIN code (something you know). In this scenario, your phone is something you have, and your password is something you know.

The change to the security measures of our log-in process was put into effect to meet suggested guidance by the Federal Financial Institutions Examination Council, a government-run organization.

At your next log-in to online banking, on or after September 12, 2013, the new process will be initiated.

If you have any questions regarding these changes, please visit the Online Banking Help, contact us at 843.797.8300 (Charleston) 800.845.0432 (Nationwide), we are available 8:30 a.m. to 5:30 p.m. Monday through Friday, visit any of our convenient locations, or email

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)