Keep total control of your finances with this do-it-yourself checking account.
Eliminate monthly service fees
There are a number of simple steps you can take to eliminate monthly service charges.
24/7 tech
Online and Mobile Banking5 provide 24/7 access to your account whenever you need it.
Finances at your fingertips
eStatements offer fast, secure online access to important financial data.
Versatile debit card
Shop online and in stores, and access cash at thousands of ATMs.

Get everything you need to do things your way.

With Self-Service Checking, you declare your financial independence. While we provide convenient tools, you keep tabs on your balance, initiate transactions, and otherwise manage your money the way that works best for you.

  • Instant issue debit card for online and in-store shopping (when you open this account in person). 
  • Access to a nationwide ATM network.
  • 24/7 Online Banking and electronic Bill Pay.*
  • Free Mobile Banking5 and mobile check deposit. 
  • eStatements allow you to access monthly account statements through Online Banking.
  • Limited financial center and contact center services.

Avoiding Fees

There is never a Self-Service Checking monthly fee for members under age 25. For others, the monthly fee is waived as long as one of the following criteria is met each month:
  • Average daily balance of $1,0001 in your Self-Service Checking account.
  • Monthly direct deposit of at least a single amount of $2502 or more, and 10 signature-based debit card transactions.
  • Month-end loan balance3 of $10,000 or more.
  • 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
  • You have a South Carolina Federal Credit Union first mortgage.
Open a Self-Service Checking account.
asked questions
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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 
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. 

Turn every purchase into a rewarding experience.
Enjoy financial flexibility with low rates, cash back and reward credit card options.


This account offers limited access to financial centers and our Contact Center, and requires e-Statements. Online bill pay is only free if utilized.

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.
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.
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