25-and-Under Simple Checking

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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 app1 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 the monthly fee waived. 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 rates2.
  • Free Online Banking and electronic bill pay.
  • Access to a nationwide ATM network.
  • Oops Refund3 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, South Carolina 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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Frequently
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You can open an account by visiting a financial center, calling (800) 845-0432, or online.

To view Checking account options and learn more, click here. 
To view Savings account options and learn more, click here. 

Required documents:
  • A valid driver's license or government-issued photo ID
  • U.S. Social Security number
  • Credit/debit card to fund the account
  • To make an appointment and to find out what other documents you need to bring with you, click here.
For online account opening, 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. 

 
Log in to Online or Mobile Banking99All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay.  Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates.. Click on an account on the Account Summary page, click "Details" and then click "Show Full Account Number."
  • If you have checks for your account, your account number is the second string of characters printed on the bottom of your checks:

    Check Sample

  • You can also view your account number on your membership card that you received when you opened your account.
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 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 in Online or Mobile Banking99All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay.  Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates. by selecting an account, clicking "Details," then choosing "Show Full Account Number."
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 Banking99All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay.  Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates. on a computer (not on a mobile device).
  • Click on the account for which you want to order checks.
  • Click on "Order Checks."
  • Follow the remaining steps. 

Here are some tools to help you stay on top of your finances and avoid overdrafts:

  • Budget: Check out our budgeting tips to help you make better financial decisions.

  • Enroll in Direct Deposit: Direct Deposit lets you receive your paychecks faster and helps ensure you have the money you need, when you need it.

  • Enroll in Online Banking99All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay.  Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates.: Check your balances and account history, schedule transfers, receive mobile account alerts and deposit checks through Remote Deposit; all through the convenience of Online Banking. 

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Thank you for your interest in South Carolina Federal Credit Union.
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