Online Banking

To update your contact information in Online Banking:

• Click on "Settings."
• Click on "Profile."
• Click on the section that you would like to update.
• Follow the remaining steps.

If you share a joint account, only one phone number may be set up per account.

Please note that, for security purposes, you may be prompted to receive a one-time passcode when making this type of change to your account. You can choose to receive the one-time passcode via text message or phone call. Like all passwords, it is important to keep your Online and Mobile Banking¹ password confidentail. 

To update your contact information in Online Banking:

• Click on "Settings."
• Click on "Profile."
• Click on the section that you would like to update.
• Follow the remaining steps.

If you share a joint account, only one phone number may be set up per account.

Please note that, for security purposes, you may be prompted to receive a one-time passcode when making this type of change to your account. You can choose to receive the one-time passcode via text message or phone call. Like all passwords, it is important to keep your Online and Mobile Banking¹ password confidential. 

To change the answer(s) to your security question(s) in Online Banking:

• Click on "Settings."
• Click on "Security Center."
• Click on "Security Questions."
• Choose security questions.
• Enter your answers in the space provided.
• Click "Save.

Please note that for security purposes you may be prompted with multifactor authentication when making this type of change to your account. You can choose to receive the one-time passcode via text message or phone call. Link all passwords, it is important to keep your Online and Mobile Banking¹ password confidential. 

You can change or cancel any payment that has not started processing.

 To change a payment:

• Click "Change" next to the payment you want to change.
• The "Change Payment" page opens.
• Enter the changes you want to make.
• Click "Save Changes."
• A message informs you that your changes have been made.
• Click "Finished" to return to the Payment Center.

If you change a payment that is part of an automatic payment schedule, only the selected payment is changed. You did not change any future payments in the payment schedule. To change all payments in an automatic payment schedule, go to "Manage My Bills" and change the automatic payment.

To cancel a payment:

• Click "Cancel" next to the payment you want to cancel.
• The "Cancel Payment" page opens.
• Click "Cancel Payment."
• A message informs you that your payment has been canceled.
• Click "Finished" to return to the Payment Center.

Canceled payments will appear in the "Recent Payments" section of the Payment Center and in Bill History. If you cancel a payment that is part of an automatic payment schedule, only the selected payment is canceled; you did not cancel any future payments in the payment schedule. To cancel all payments in an automatic payment schedule, go to "Manage My Bills" and delete the automatic payment.

If you have Self-Service checking and have registered for Bill Pay, you must use the service to pay at least one bill each month or register for Zelle^® and complete a Zelle^® transaction to avoid a non-usage fee.

Please refer to the Fee Schedule for details.

• Log into Online Banking.
• Click on the corresponding checking account tile.
• Click on "Stop payment."
• Follow the remaining steps.

You can only send external transfers to accounts you own. To transfer money to another person, please visit the "Pay Bills" section of Online Banking and click on "Pay People."

Please ensure you go through all the steps to verify your email address and phone number before attempting to conduct an external transfer.

Yes, you can make principal-only payments in Online and Mobile Banking¹.

Trends is a tool that allows you to create and track budgets, add accounts from multiple financial institutions to get a birds-eye view of your financial picture, and more.

This is a reflection of Trends updating your account to provide timely information.

• Savings dividends (1099 INT): You can find this inside Online Banking. Just click on your savings account, then "Online Statements" to find your tax document. Please note that if you are enrolled in eStatements, it will not be mailed to you. You will only be issued this form if you received dividends over $10.
• Mortgage (1098): You can find this form inside Online Banking. Select the mortgage account, "Statements," and choose the 1098 form from the drop-down menu.
• South Carolina Federal Investment Solutions, through CFS¹: If you work with an Investment Solutions financial advisor, you can find your tax form in your online account.

• Reportable withdrawals from Traditional or Roth IRAs (1099R)
• Reportable withdrawals from Coverdell IRAs (1099Q)
• Reportable contributions to an IRA (5498)
• Reportable contributions or rollovers to an Education Savings Account (5498 ESA)

• To discontinue eStatements/eNotices, in Online Banking, click on desired account (i.e. savings or checking account).

• Click on "Statements".

• Click on "Continue".

• Click on "Settings".

• Check the box under “Discontinue” and click "Submit".

After you complete the above steps, eStatements/eNotices will be canceled, and you will resume receiving paper statements through U.S. Mail. This affects ONLY eStatements/eNotices and does not affect your actual account access.

If you do not elect to receive eStatements, you may be charged a monthly fee. Please refer to the Fee Schedule for details.

• To resume eStatements/eNotices, in Online Banking, click on desired account (i.e. savings or checking account).

• Click on "Online Statements".

• Click on "Continue".

• Check the box under "Resume" and hit "Submit."

• Please read over the “SOUTH CAROLINA FEDERAL CREDIT UNION ELECTRONIC STATEMENT ("eStatements/eNotices") AND DISCLOSURE AGREEMENT” and click “Yes” or “No.”

• If you click “Yes,” you are signed up to resume eStatements/eNotices.

After completing these steps, your next periodic statement will be sent electronically, and you will be notified by email when the next statement is available.

Loan payment due dates are generally 30-45 days from the loan closing date. The payment due date is notated in your loan documents and agreed upon before disbursement of your loan. Due dates and loan payment amounts can also be viewed through Online Banking, Mobile Banking or statements.

A payoff quote is available for all loans and will include accrued interest and the daily per diem.
To obtain today's payoff or a 10 business day payoff quote for auto, boat, recreational vehicle, credit cards, or personal loans, visit a financial center or contact us. Any overage of your payoff will be deposited into your savings account or returned to you in an overpayment check.

For first mortgages, please contact Dovenmuehle at (877) 636-9534.

For second mortgages/HELOCs, please visit a financial center or fax your payoff request to our Fulfillment Operations Team at (843) 737-7400. The request must include:

• Member name
• Member Social Security number
• Account number
• Payoff (good through) date
• Return fax number
• Copy of a signed authorization of release form from member requesting this information.

Once payoff is given, Second Mortgage/HELOC will be locked and no advances can be taken.