Simple Checking and the 25-and-Under Crowd

Guess what? Since you’re 25 or under* (ages 13-25), South Carolina Federal’s Simple Checking is FEE-FREE for you!

Oops Refund - We even have you covered if you make a mistake in your Simple Checking with the Oops Refund. Just tell us when you need it (one fee refund of up to $35 per quarter by request only).

Open a Simple Checking account today!


  • Instant Issue Debit Card – A variety of colors to choose from!
  • Discounted Vehicle Loans Rates – 0.25% APR reduction**
  • Free Bill Pay – Pay your bills straight from checking, all from one place
  • Branch and Contact Center Services – Free and unlimited

No fee for members age 25-and-under!

Ready to open a Simple Checking account?


Ages 18-25 have three easy and convenient ways to apply:

Online button By phone button In branch button                       

Ready to open a checking for your 13- to 17-year-old?
Accounts require personal attention and specific documentation and, therefore, are opened in a branch. 

In branch button

To open your teen a Simple Checking account, you need:


  • A qualified adult joint owner
  • Tax Identification Number with proper ID for the teen (social security card or military ID) – note a picture ID is required for teens 13 and older
  • Opening deposit of $25

*Teens 13-17 are required to have a qualified adult joint owner on this account. ** Must be over 18-years of age and subject to loan approval. Discount only available when payment is automatically deducted from Simple Checking.

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)