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You deserve our premium checking account, with monthly fee waived.

  • Dividends each day your balance is $2,500+1.
  • 0.50% APR reduction2 on vehicle loans.

A low-hassle, high-performance account that makes it easy to avoid monthly fees and even easier still to manage your money anytime from anywhere.

  • Instant issue Mastercard Debit Card.
  • Online and Mobile Banking*.

Feel confident handling your finances without much outside help? We have an account designed for your DIY state of mind.

  • 24/7 Online Banking and electronic bill pay.3
  • Free Mobile Banking* and mobile check deposit.
25-and-Under Simple Checking

Get your financial journey started with all the benefits of our Simple Checking account, without the worry of a monthly maintenance fee.

  • No monthly checking fee.
  • Free Online Banking, Mobile Banking*, and Bill Pay.
Military Friendly Checking

For your dedication and service, you deserve the best. That's why we waive the monthly maintenance fee on our best checking account.

  • Discounted vehicle loan rates and safe deposit boxes.
  • Free foreign ATM use.
Rewards Debit Card

Sure, they make purchasing easier. And you can get cash from ATMs. But at South Carolina Federal Credit Union, our debit card offers so much more.

  • Premium checking members can earn points and shop for rewards.
  • Mastercard® security benefits.
Thank you for your interest in South Carolina Federal Credit Union.
Fill out the form below and one of our representatives will reach out to you shortly.
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      This form is not a secure form of communication. If any confidential information such as account numbers, SSNs, etc. is necessary, it will not be obtained until we have contacted you. This is another way South Carolina Federal works to keep your information secure.
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      Complete the direct deposit form (PDF) and submit it to your employer/income provider. You will need your
      account number and South Carolina Federal's routing number.

      South Carolina Federal's routing (MICR) number is 253278401. Your account number is the second string of characters at the bottom left of your check. You can also locate your account number by clicking on the eye icon within Online or Mobile Banking.1
      If this is your first time placing an order for checks, please give us a call at 800-845-0432
      If this is not your first time ordering checks, follow these steps:
      • Log into Online Banking.
      • Click on one of your accounts. 
      • Click on "More Actions."
      • Click on "Order Checks."
      • Click "Continue."
      • Follow the remaining steps. 
      You can open an account by visiting a financial cetner, calling (800) 845-0432, or online. Here are some things to keep in mind as you begin the application process:

      It will take about 10 minutes to open and fund your new account. You will need:
      • A valid driver's license or government-issued photo ID
      • U.S. Social Security Number or ITIN
      • U.S. checking account or credit/debit card to fund the account (please refer to Rates and Fee Schedule for details).
      You must be a U.S. citizen or a U.S. resident alien.

      The following accounts require personal attention, specific documentation and are not opened online: Trust, Individual Retirement Accounts (IRAs), estate accounts, business accounts, teen accounts and Kids Savings accounts. Please visit a financial center for assistance with these accounts. 


      There are several ways to withdraw from your account including:

      • Visit a financial center durring business hours.
      • Use an ATM - free at South Carolina Federal ATMs and surcharge-free at Allpoint Network ATMs.
      • Transfer funds from one account to another via Online Banking, Mobile Banking1, or Phone Banking.
      • Get cash back while shopping.
      • Send a wire transfer.
      There are several ways to deposit money into your account, including:            South Carolina Federal Credit Union
                 PO Box 190012
                 North Charleston SC 29419-9012
      • Call (800) 845-0432 and transfer money through ACI Payments, Inc.
      • Send a wire transfer.
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      Make informed financial decisions with helpful resources.