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Simple Checking

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Do you want a straightforward checking account? A checking account with benefits and minimal to no monthly fee that encourages you to do all your banking with us? Simple Checking is our most popular checking account and could be perfect for you!

Open a Simple Checking today!
  • Instant Issue Debit Card – Free with 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 when ONE qualifying relationship is met MONTHLY on the same member number (see below); otherwise $5/month
  • Average daily balance of $1,0001 in Simple Checking
  • Direct Deposit2 of $250 AND 10 “credit” debit card transactions
  • Month-end loan balance3 of $10,000 or more
  • Direct Deposit2 of $250 AND Visa® Platinum Card4
  • First Mortgage
  • Requirements waived for members age 25 and younger

Ready to open a Simple Checking account?

Three easy and convenient ways to open:

Online button By phone button In branch button

Not a Member?

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

* Subject to loan approval. Discount only available when payment is automatically deducted from Simple Checking.

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..

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).