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Simple Checking and The 25-and-Under Crowd

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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 Refunds. Just tell us when you need it (one fee refund of up to $35 per quarter by request only).

Open a Simple Checking 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. 

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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 15 and older
  • Opening deposit of $25

Not a Member?

If you're not currently a member of South Carolina Federal you can still apply for a Simple Checking. Want to learn more about joining the credit union? Learn more.

*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 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).