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.
- Monthly direct deposit of at least a single amount of $2502 or more and an open South Carolina Federal Credit Union Mastercard credit card.4
- Month-end loan balance3 of $15,000 or more.
From | To | Dividend Rate | Annual Percentage Yield1 |
---|---|---|---|
$2,500.00 | $9,999.99 | 0.05% | 0.05% |
$10,000.00 | or more | 0.10% | 0.10% |
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).
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.
- Download the direct deposit form (PDF).
- Deposit a check using Remote Deposit via Mobile Banking1.
- Visit a financial center during business hours, or leave your deposit in an envelope in the night drop deposit box on the side of a financial center.
- Deposit at any South Carolina Federal ATM.
- Mail it to us (please include your account number) at:
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.
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For check copies beyond 6 months 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.

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