Simple Checking

We believe that more things in life should be hassle-free... like this checking account.
Wave goodbye to fees
There are several ways you can eliminate monthly charges for this account.
Superior Service
Free and unlimited branch and contact center member service.
24/7 account access
Manage your money anytime, anywhere with Online and Mobile Banking.5
Auto loan discounts
Lower your monthly payments with a special discount on vehicle financing.*

As close as you can get to effortless money management.

At South Carolina Federal Credit Union, our primary goal is to simplify your life. This checking account is a perfect example. It is easy to avoid monthly fees and even easier to manage your money with the help of a debit card, Online Banking, and more.

  • Instant issue debit card.
  • Access to nationwide network of ATMs.
  • 0.25% APR reduction on vehicle loan rates.*
  • 24/7 Online Banking, Mobile Banking5, and Bill Pay.
  • Zelle, My Credit Score and remote deposit.
  • Free, unlimited financial center and contact center access.

Avoiding Fees

If you are age 25 or under, Simple Checking has no monthly charge. For others, monthly fees are waived if you meet one of the following criteria each month:

  • Average daily balance of $1,0001 in your Simple 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.
Frequently
asked questions
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You can open an account by visiting a financial cetner, calling (800) 845-0432, or online. You will need:
  • 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

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. 

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Your life is mobile. Your banking should be, too.
Our Mobile Banking app with convenient banking features makes it happen.
 
Mobile Banking
*
Offer applies to external refinances only. Discount only available when payment is automatically deducted from Simple Checking.
**
Applies to new loans and external refinances. Existing South Carolina Federal loans are excluded. Certain restrictions apply.
1
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.
2
Direct Deposit must come directly into checking from the payroll source (allocations are not considered).
3
May combine auto, boat, Personal Access Line, etc. (all consumer loans, excluding First Mortgage and/or credit card).
4
Card must be open and in good standing.
5
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.