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.
asked questions
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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.
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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 to external refinances only. Discount only available when payment is automatically deducted from Simple 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.
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.