25-and-Under Simple Checking

Money management just the way you like it - high tech and no cost.
Totally free
We know you have other expenses and are still building up your finances.
Advanced tech
Online Banking and our mobile app make it easy to pay bills and deposit checks.
Versatile debit card
Shop online and in stores and access your accounts at thousands of ATMs.
Here for you
You are still learning about financial matters; we're always available.

Banking is as simple as pressing a few keyboard buttons with this checking account.

There are definitely advantages to being young. At South Carolina Federal Credit Union, for example, we offer members ages 15 to 25 a Simple Checking* account with zero monthly fees. And because your generation is tech-savvy, we invite you to download our app - it is also free - and manage your finances on-the-go with your smartphone or other mobile device.

  • Instant issue debit card to keep you on your way.
  • Free and unlimited branch and contact center services.
  • 0.25% APR discount on vehicle loan rates.**
  • Free Online Banking and electronic bill pay.
  • Access to a nationwide ATM network.
  • Oops Refund*** entitles you to one overdraft fee refund per quarter; just tell us when you need it.

Getting Started

If you are 18-25, you can open your Simple Checking account over the phone or in person at your local financial center with an opening deposit of $25.

If you are 15-17, you will need to bring the following to your local financial center to get started:
  • A qualified adult for joint account ownership.
  • Tax identification number with proper ID (Social Security card or other government-issued ID).
  • One form of a current government-issued photo identification. Photo identification must include:
    • Picture
    • Signature
    • Issue date
    • Expiration date
  • Opening deposit of $25.
If you are 14 years old and under, the minor is not required to have a photo ID to establish the account. Instead, SC Federal requires that a Social Security Card or Military ID be provided in order to verify the minor’s Social Security Number, plus an opening deposit of $25.
Open a 25-and-Under Simple Checking account.
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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.

Copies of cleared checks are available for up to seven years from the date they are posted to your account.

To obtain a check copy through Online Banking:

  • Log into your account.
  • Under the “Account Access” tab choose “View Transaction History."
  • If the check number appears in your transaction history, click on the blue hyperlinked check number; an image of the check will appear.
  • Checks are maintained through Online Banking six months after the cleared date.

Use our Secure Chat feature to complete your request:

  • Please log into Online Banking and click on the “Secure Chat” link for a live chat with one of our representatives.
If you wish to close your account, we ask that you visit a local financial center or contact us.

Please be advised, your account cannot be closed if you have an open credit card and/or loan with a balance. If the credit card and/or loan are paid in full, but still open, you will still need to sign documents to close those accounts.
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An easier way to pay.
Enjoy convenient, secure and contactless payments with a Digital Wallet.
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.


      A savings account with the minimum deposit of $10 is required for membership.

      Offer applies to external refinances only. Discount only available when payment is automatically deducted from Simple Checking.
      Refund requests accepted by phone or in person at any financial center. Can be used for courtesy pay fee, non-sufficient funds (NSF) fee, stop payment fee, or foreign ATM fee.