One after another, the special features and premium perks really add up.
Earn dividends
Once your balance reaches $2,500, we start paying you at a competitive rate.
Enjoy loan discounts
Save 0.50% APR when you finance your next vehicle.*
Get debit card rewards
Pile up the points and go shopping for travel services, merchandise, and more.
Manage money efficiently
Get anytime account access with Online and Mobile Banking.

Get everything you need - and a lot more on top of that.

Some checking accounts reach into your pocket for monthly fees. At South Carolina Federal Credit Union, our Premium Checking does just the opposite. We hand you opportunities to earn extra money and valuable rewards while providing all the tools needed to manage your finances efficiently.

  • Premium Share Certificates available.
  • Discounted vehicle loan rates.*
  • Instant issue debit card for easier shopping online or in stores.
  • Earn points every time you choose "credit" for your debit card purchases, and go shopping on uChoose Rewards®.
  • Access your accounts through a nationwide ATM network.
  • Free foreign ATM use.
  • Priority member service over the phone.
  • $20 discount on yearly rentals of safe deposit boxes.
  • Free cashier's checks.

Avoiding Fees

The monthly fee is waived as long as you maintain an average daily balance1 of $2,500 in your Premium Checking account, or a month-end balance of $5,000 in combined share accounts (savings, checking and Money Market), plus one of the following monthly:

  • Monthly direct deposit of at least a single amount of $2502 or more and 10 signature-based debit card transactions.
  • A current first mortgage with South Carolina Federal Credit Union.
Effective Date: May 21, 2024
From To Dividend Rate Annual Percentage Yield1
$2,500.00$9,999.99 0.05% 0.05%
$10,000.00or more0.10%0.10%
asked questions
View more
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 
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. 

  • You can locate your account number by clicking on the eye icon within Online or Mobile Banking.1
  • 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 (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. 

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

  • Budget: Check out our budgeting tips here 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 Banking: 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. 

Remote deposit gets money in your account faster.
Deposit checks simply by using the camera on your phone or tablet to photograph the front and back of your check.

Offer applies on external refinances only. Discount only available when payment is automatically deducted from Premium Checking.

Applies to new loans and external refinances. Existing South Carolina Federal loans are excluded. Certain restrictions apply.
The 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.
Direct Deposit must come directly into checking from the payroll source (allocations are not considered).
May combine auto, boat, Personal Access Line, etc. (all consumer loans, excluding First Mortgage and/or credit card).
Card must be open and in good standing.
Rates are subject to change after account opening. Fees and withdrawals may reduce earnings on account.