self service checking

Self-Service Checking

The checking account that puts you in control.

Bank Freely

Looking for an independent checking account that can be fee-free?

Our Self-Service Checking account gives you the ability to take charge of your transactions around the clock through ATMs, online and mobile banking, text alerts, and more!

Self-Service Checking features:

  • Instant issue debit card
  • Free online bill pay*
  • Limited financial center and contact center services
  • eStatements

The best part is Self-Service Checking accounts have no monthly fees as long as ONE of the following is met each month**:

  • Average daily balance of $1,0001 in your Self-Service Checking account
  • Monthly direct deposit of $2502 or more, and 10 "signature-based" debit card transactions
  • Month-end loan balance3 of $10,000 or more
  • Monthly direct deposit of $2502 or more and an open South Carolina Federal Mastercard credit card4
  • First mortgage

These requirements are also waived for members who are 25 years old or younger.

  • * This account offers limited access to financial centers and our Contact Center, and requires e-statements. Online bill pay is only free if utilized.
  • ** Indicates a change in fees and is effective January 1, 2020
  • 1The Average Daily Balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
  • 2Direct Deposit must come directly into checking from the payroll source (allocations are not considered).
  • 3May combine auto, boat, Personal Access Line, etc. (all consumer loans, excluding First Mortgage and/or credit card).
  • 4Card must be open and in good standing.