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.
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 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.
View More
The road to a better auto loan starts here.
Low rates, flexible payment options and available discounts help you keep monthly payments down.

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

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.
Dividend Rates are accurate as of 4/7/2023. Rates are subject to change after account opening. Fees and withdrawals may reduce earnings on account.