Help & FAQs | Credit Union | Questions

New Website

Were any changes made to Online Banking and/or the Mobile Banking app?

No. Our Online Banking platform and mobile app remain the same.

Has my Online Banking login changed?

No. You will use the same username and password to access your accounts at any time.

How do I log into Online Banking now that the new site is live?

The Online Banking login remains at the top of every page; you will now find it in the righthand corner. It is a button that will display login fields after you click "log in," and you will enter your same login credentials to access your accounts.

Why did you get a new website?

As times and technology change, we want to ensure our website supports your needs and provides an optimal online experience. The new website reinforces our continued commitment to helping our members improve their financial condition while providing enhanced tools and features we know you will love.

Can I visit the new site from my smartphone?

Yes. We designed our new website with your mobile experience top of mind, and it is optimized for your tablet and smartphone.

How will the new website help me reach my financial goals?

The new website offers an interactive solutions finder tool that will recommend products, services, and resources based on the financial goal or life stage you select. The solutions finder is available on our homepage and in the Financial Education section, which accessible via the Quick Links menu at the top of every page.

Why did you change the main menu?

We changed the wording in our main menu to help you quickly find the products and services you are looking for. It provides a comprehensive overview of different product options, features, benefits, and value, along with interactive comparison tools to support your decision-making journey.

What is the Quick Links button in the top right corner of every page?

This menu gives you quick and easy access to the pages and information people most commonly need. These "Quick Links" include direct links to the following pages: about us, careers, appointments, loan payments, financial wellness, rates, security, online and mobile banking, and help and FAQS.

What is the purpose of the “Go To” section that sticks to the top of the page as I scroll?

The “Go To” section gives you an overview of the content on the page you are currently scrolling, and it contains links that will bring you to the specific information or resources on the page. This feature was added to help you more quickly and easily access the content you need.

What is the “Top” button in the bottom righthand corner of every page?

Clicking this button will bring you back to the top of the page you are currently viewing. We added this button for your convenience, so you do not have to scroll up to go to the top of a page.

Account Information

Where can I find my account number?

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.

What is South Carolina Federal's routing number?

Our routing number is 253278401.

How do I set up Direct Deposit?

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

How do I order checks for my account?

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.

How do I change my name on existing accounts?

Name change requests can be submitted online by completing the Name Change request Form. This is for an account owner's name change on existing accounts. This cannot be used for a minor's name change or business accounts.

Name Change Request Form

Online and Mobile Banking

What happens if I forget my User ID and/or password?

If you forget your User ID and/or password, you can use the "Recover User ID" and/or "Forgot Password" tools located just under the login area. These tools can also help if you become locked out of your account due to too many invalid login attempts.

How do I unlock my account?

If you are unable to access Online Banking, try using the "Forgot Password" tool. You will then be prompted to create a new password. If you are still unable to access Online Banking, we recommend visiting a financial center or contacting us for additional assistance.

How do I change my user ID?

If you are able to log into Online Banking, follow these steps to change your username:

Click on "Settings."
Click on "Profile."
Click on "User ID."
Enter your new User ID.
Confirm your new User ID.
Click "Save."

If you are unable to log into Online Banking but would like to change your user ID, please visit a financial center or contact us.

How do I access Mobile Banking?

To access Mobile Banking¹, download the app from the App Store or Google Play by searching for "South Carolina Federal Credit Union." If you already have an Online Banking User ID and password, you can use it to log in. Or, click on "enroll now" to establish a User ID and password.

How do I change my password in Online and Mobile Banking?

To change your password in Online Banking:

Click on "Settings."
Click on "Profile."
Click on "Password."
Enter your current password.
Enter your new password.
Confirm your new password.
Click "Save."

To change your password in Mobile Banking¹:

Click on "More."
Click on "Change password."
Follow the prompts.

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 passcode via text message or phone call. Like all passwords, it is important to keep your Online and Mobile Banking¹ password confidential.

How do I update my contact information in 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.

How do I add and/or change my identity verification phone number?

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.

How do I update my security questions?

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.

Can I change or cancel a payment in Bill Pay?

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.

Why am I receiving a fee for Bill Pay?

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.

Is it possible to set up text alerts?

Yes. From Online Banking, click on "Settings," "Security Center," then "Alerts." From here you can set up a variety of different alerts. If you want us to send the alerts to your mobile phone, make sure that box is selected.

How do I place a stop payment?

To place a stop payment on a check:

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

To place a stop payment on an ACH transaction, utilize our self-service form.

A stop payment fee will be assessed to your account; please refer to the Fee Schedule. You may also Contanct Us to place a stop payment. Stop payments are not guaranteed because some merchants may process payments using electronic methods.

What is a recurring transfer and how do I establish one?

A recurring transfer is one that occurs periodically and starts in the future. If you would like to make a transfer that is effective today, you must do so in a one-time transfer. Then, you can set up recurring transfers for the future.

You can set up one time and recurring transfers in only a few clicks from the "Transfers" tab.

I am trying to send money to another bank account via external transfer, but it is not going through. What do I need to know?

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.

Can I make a principal-only payment on my loan in Online or Mobile Banking?

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

What is Trends?

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.

I do not recall logging in during the time that is stated on the "Activity" tab in Online Banking. What’s happening?

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

Debit and Credit Cards

What should I do if my debit or credit card is lost or stolen?

For lost or stolen debit cards, please choose from the following options:

Turn your card off and report it as lost or stolen using Online or Mobile Banking¹. Simply log in, click on "Manage Cards" in Online Banking or "Cards" in Mobile Banking1. You may be prompted to call us.
Call Cardholder Services at (800) 472-3272.
Visit a financial center to receive a card instantly issued.

Once your card has been cancelled, a new one will be mailed to you in 7-10 business days. Please check your account to ensure there are no unauthorized transactions.

For lost or stolen credit cards, please choose from the following options:

Turn your card off/on and report it as lost or stolen using Online or Mobile Banking¹. Simply log in, click on "Manage Cards" in Online Banking or "Cards" in Mobile Banking, and follow the prompts to close your credit card and request a new one.
Or for your Mastercard^® Platinum or Mastercard^® Cash Rewards credit cards, please call (855) 325-0904. For your Mastercard® World credit card, call (855) 510-4594.

Once your card has been cancelled, a new one will be mailed to you in 7-10 business days. Please check your account to ensure there are no unauthorized transactions.

How do I re-order a debit card?

If your card is damaged or if you have never had an ATM/debit card assigned to your account, you can choose from the following options:

Visit a financial center for a debit card instantly issued.
Use our Secure Chat feature in Online Banking to request a card.
Contact Us to request a card by mail.

To activate your debit card, call (866) 299-2275.

Are there any transaction fees for using my debit card?

Mastercard^® may assess a foreign transaction fee for purchases made outside the United States.
Fees may apply when you use your debit card at a non-South Carolina Federal ATM. Visit AllPoint to locate a surcharge-free ATM near you.

How do I file a card dispute?

For debit card disputes:

Please call (866) 394-1205 during business hours and a dispute expert will help you file a claim.

For credit card disputes, please choose from the following options:

Log into Online Banking, click on your credit card account, and select "dispute" next to the applicable transaction.
Or to file a claim via phone for your Mastercard^® Platinum or Mastercard^® Cash Rewards credit cards, please call (855) 325-0904. For your Mastercard® World credit card, please call (855) 510-4594 to file a claim.
For all other disputes:
Visit a local Financial Center.
Call our Contact Center at (800) 845-0432.

Is there a difference between signing and using my PIN for debit card transactions?

Some merchants may require a signature (for example, restaurants), while others may offer you the option of "Credit" or "Debit/ATM" when processing your purchase.

If you select "Credit," the merchant may ask you to sign a receipt to authorize your purchase.
If you select "Debit/ATM," you will use your PIN to authorize your purchase.

If you have Premium Checking and you sign for your purchases, you will earn 1 uChoose Reward point per every $5 you spend.

How do I register for uChoose Rewards?

To register your debit card, visit uChoose Rewards and follow the registration steps. To register your credit card, simply click on the uChoose Rewards icon on the credit card page in Online Banking and follow the registration steps.

How do I redeem points for merchandise?

Credit card and Premium Checking account holders can redeem points for rewards online.

To redeem points online:

Visit uChoose Rewards.
Select the “Merchandise” link to view the merchandise catalog.
Add the desired merchandise awards to your shopping cart for redemption.
Click on the "Proceed to Checkout" button to place your order online.
Enter your name, shipping address and a telephone number and click "Transmit Order" to submit your order.

You will receive a confirmation number after your order has been submitted.

Keep records of your order until you receive your award merchandise. Points can be redeemed for travel awards online or via phone.

Travel awards that can be redeemed through the uChoose Rewards Travel Agency include:

Airline tickets
Hotel certificates
Car certificates
Vacation packages
Experiences
Cruises

How do I make a credit card payment?

We offer several options to make your credit card payments:

Log in to Online or Mobile Banking¹ to transfer a payment.
Mail a payment to us.
Make payments at a financial center through a:
- Personal check
- Certified check or money order
- Cash, or
- Contact us to make a payment by phone.

Payments reflect on your credit card account within 2 business days after the payment has been made.

Why is a pending transaction different from the actual amount?

An authorization may vary from the final purchase amount in situations where there is an estimated authorization amount or a tip is involved.

Example: At a restaurant, an authorization is requested prior to a tip being added. The final purchase amount will include the tip.
Example: At gas pumps, an initial authorization is requested prior to dispensing fuel and determining the final amount of the purchase. Many pay-at-the-pump gas purchases are initially authorized for $1 no matter the final purchase amount.
Example: At a hotel, an authorization for the amount equal to the entire stay plus an estimated amount for incidentals may be made. This can also be true of cruise lines and car rental companies.

What should I do if my credit card is damaged?

From Online Banking:

Click on "Manage card."
Click on "Replace card."

From Mobile Banking¹:

Click on "Cards."
Click on "Replace card."

How do I enroll in eStatements for my credit card?

Log into Online Banking.
Click on your credit card.
Click on "Statements."
Select the toggle button to turn on paperless statements.

How do I get a copy of my credit card statement?

Log into Online Banking.
Click on your credit card.
Click on "Statements."

You can also access your credit card statements in Online Banking through "Manage Cards" and in Mobile Banking¹ through "Cards."

What can I do to protect my debit and/or credit card information?

It is important to monitor your statements on a monthly basis to ensure they are correct and that there are no fraudulent charges on your account. There are many ways to help ensure that your information is safe:

Only buy from reputable online merchants.
Never disclose your credit card number to anyone that calls and asks for it.
If your contact information changes, contact us as soon as possible to have it updated. This ensures that we can notify you quickly if suspicious activity is suspected on your account.

How should I notify you of my travel plans to maintain access to my debit and/or credit card(s)?

Please inform us of your travel plans in advance by following these steps:

Log into Online or Mobile Banking¹.
Click on "Manage Cards" in Online Banking or "Cards" in Mobile Banking.
Select "Manage Travel Plans."

Need further assistance? Call us at (800) 845-0432 or visit a financial center.

How do I transfer funds from my credit card?

Transfers from your credit card, commonly known as a cash advance, can be done by:

Visiting a financial center with your credit card to make a cash advance.
Request

What is a finance charge and when does it occur?

A finance charge is the cost of consumer credit as a dollar amount and is determined by applying the monthly periodic rate to the average daily balance. For cash advances and balance transfers, finance charges begin to accrue on the transaction date. For purchases, finance charges begin to accrue on the transaction date or the first day of the billing cycle, whichever is later, if the new balance is not paid in full within 25 days after the billing date of the statement on which the purchase first appears.

Checking and Savings Accounts

How do I open an account?

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.

How do I withdraw money from my checking?

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.

How can I deposit money into my checking account?

There are several ways to deposit money into your account, including:

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:

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.

How do I request a check copy?

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.

For check copies beyond 6 months visit a local financial center or contact us.

How can I avoid over drafting my account?

Here are some tools to help you stay on top of your finances and avoid overdrafts:

Budget: Check out our budgeting tips 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 and Mobile Banking: Check your balances and account history, schedule transfers, receive mobile account alerts, and deposit checks through Remote Deposit.

What is Overdraft Protection?

Overdraft Protection is a service to help prevent returned checks and overdrafts on your checking account.

Here's how it works:

If requested, available funds from your savings, checking, money market, credit card, or line of credit (PAL or HELOC) are automatically transferred to your checking account in the event of an overdraft.
Fees may apply for overdraft transfers. (See Fee Schedule)

To set an existing account as Overdraft Protection or request Overdraft Protection:
Visit a local financial center or contact us.

What is Courtesy Pay and how does it work?

Courtesy Pay is a non‐contractual courtesy (not a loan) that may or may not pay items from a checking account when funds are not available.

We pay overdrafts using Courtesy Pay at our discretion.
We do not guarantee that we will always authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction will be decline.
A Courtesy Pay (Paid NSF) fee will be charged each time an overdraft is paid. (see Fee Schedule)
If your account is overdrawn for five or more consecutive business days, an additional fee may apply. (see Fee Schedule)
There is no limit on the total fees that can be charged when you overdraw your account.

Three levels of Courtesy Pay are available:

Premium Courtesy Pay - Attempts to cover all items (ACH, Checks, one time debit card and ATM transactions).
Standard Courtesy Pay - Attempts to cover Checks, ACH, and Online Bill Pay only.
Opt-Out of Courtesy Pay - Nothing is covered.

To add or remove Courtesy Pay from your checking account, visit a local financial center or contact us.

How do I close my account?

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.

How do I complete a bank-to-bank wire transfer?

To send a bank-to-bank wire transfer, you will need the corresponding bank's routing number and the account number. To complete the transfer, please:

Visit a local financial center or contact us.
Download the incoming wire transfer form here.
For outgoing wire transfers, click here.

Please note that bank-to-bank wires take eight to 24 hours to process. Wire transfer fees may vary. Please refer to our Rates and Fees Schedule for details.

To receive a wire transfer, please contact the sending financial institution with your South Carolina Federal account number and routing number.

eStatements

How do I sign up for eStatements?

If you have registered for Online Banking, you are automatically enrolled in eStatements.

How do I discontinue or resume eStatements and eNotices?

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.

How can I access my tax forms and/or other documents related to eStatements?

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.

These types of documents will be automatically mailed to members when applicable:

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)

Why can’t I see eStatements for other accounts that are linked to my account?

You will only be able to view eStatements for the account that you are signed into on Online Banking.

Remote Deposit

When will the funds be available after making a remote deposit?

Check deposits made using Remote Deposit are subject to verification and will generally be available for withdrawal within two business days.

Once you reach the screen showing "Deposit Pending," the system has accepted your deposit. Next, the remote deposit administrator will review your deposit and accept or deny it. You will not receive notification of this decision. You can review the status of your deposit in Online and Mobile Banking¹.

Deposits received on weekends, federal holidays, and after 5 p.m. ET Monday through Friday are processed the following business day.

What do I do with the paper check after the I submit a remote deposit?

Once your check image has been credited to your account, you must retain the original check for sixty days. You may not present the original check or any image or substitute check created from the original check for payment at any other financial institution. During this 60-day period, you must store the original paper check securely and you must make the original paper check available to us for review at any time and as necessary for us to facilitate the clearing and collection process, to address third party claims, or for our own audit purposes.

Are there limits for deposits made using Remote Deposit?

You are not limited to the number of deposits you can make using Remote Deposit. However, there are daily and per item limits on the deposit amounts that can be processed per user. Members cannot deposit more than:

$7,500 per item.
$7,500 per day.

Zelle®

What is Zelle®?

Zelle^® is a fast, safe, and easy way to send money to people you know and trust, typically within in minutes³.

Who can I send money to with Zelle®?

Zelle®Zelle^® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter, or neighbor.¹

Since money is sent directly from your South Carolina Federal account to another person's bank account within minutes³, Zelle^® should only be used to send money to friends, family, and others you trust.

If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

Neither South Carolina Federal nor Zelle^® offers a protection program for any authorized payments made with Zelle^® for example, if you do not receive the item you paid for or the item is not as described or as you expected.

How do I use Zelle®?

You can send, request, or receive money with Zelle^®.

To get started, navigate to "Pay Bills" in Online Banking or "Transfer and Pay" in Mobile Banking and select "Send Money with Zelle^®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you are ready to start sending and receiving with Zelle^®.
To send money using Zelle^®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you would like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes³.
To request money using Zelle^®, choose "Request," select the individual(s) from whom you would like to request money, enter the amount you would like to request, include an optional note, review and hit "Request"².
To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®.

Someone sent me money with Zelle®. How do I receive it?

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will move directly into your bank account, typically within minutes³.

If you have not yet enrolled with Zelle^®, follow these steps:

Click on the link provided in the payment notification you received via email or text message.
Select South Carolina Federal.
Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle^® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

What types of payments can I make with Zelle®?

Zelle^® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor².

Since money is sent directly from your bank account to another person's bank account within minutes³, Zelle^® should only be used to send money to friends, family and others you trust.

Neither South Carolina Federal nor Zelle^® offers a protection program for any authorized payments made with Zelle^® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Are there any fees to send money using Zelle®?

South Carolina Federal does not charge fees to send or receive money with Zelle^®, but there is a stop payment fee to cancel a Zelle^® transaction that is still pending; please refer to the stop payment fee in our Fee Schedule. If the recipient doesn’t enroll with Zelle^® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.

Are there any fees to send money using Zelle®?

South Carolina Federal does not charge fees to send or receive money with Zelle^®, but there is a stop payment fee to cancel a Zelle^® transaction that is still pending; please refer to the stop payment fee in our Fee Schedule. If the recipient doesn’t enroll with Zelle^® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.

How do I get started?

It's easy — Zelle^® is already available within Online Banking through "Pay Bills" and Mobile Banking through "Transfer and Pay"! Check our app or log into Online Banking and follow a few simple steps to enroll with Zelle^® today.

What if I want to send money to someone whose financial institution does not offer Zelle®?

You can find a full list of banks and credit unions participating in Zelle^® here.

If your recipient's financial institution is not on the list, do not worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle^® by downloading the Zelle^®app for Android and iOS.

To enroll with the Zelle^® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa^® or Mastercard^® debit card with a U.S. based account (does not include U.S. territories). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.

How does Zelle® work?

When you enroll with Zelle^® in Online or Mobile Banking, your name, South Carolina Federal's name, and the email address or U.S. mobile number you enrolled with is shared with Zelle^® (no sensitive account details are shared – those stay with South Carolina Federal).

When someone sends money to your enrolled email address or U.S. mobile number, Zelle^® looks up the email address or mobile number in its "directory" and notifies South Carolina Federal of the incoming payment. South Carolina Federal then directs the payment into your account, all while keeping your sensitive account details private.

Can I use Zelle® internationally?

In order to use Zelle^®, the sender and recipient's bank accounts must be based in the U.S.

Can I cancel a payment?

You can only cancel a payment if the person you sent money to has not yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient has not yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment."

If the person you sent money to has already enrolled with Zelle^®, the money is sent directly to their bank account and cannot be canceled. This is why it is important to only send money to people you trust, and always ensure you have used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you are not able to get your money back, please call South Carolina Federal at (800) 845-0432 so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by South Carolina Federal but are a separate service from Zelle^® and can take 1 – 3 business days to process.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

How much money can I send with Zelle®?

To view the amount of money you can send with Zelle^®, navigate to the "Send" screen, select a recipient, and click on "Limits."

How long does it take to receive money with Zelle®?

Money sent with Zelle^® is typically available to an enrolled recipient within minutes³.

If you send money to someone who is not enrolled with Zelle^®, they will receive a notification prompting them to enroll. After enrollment, the money will be available in your recipient's account, and will be available typically within minutes³.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle^® and that you entered the correct email address or U.S. mobile phone number.

If you are waiting to receive money, you should check to see if you have received a payment notification via email or text message. If you have not received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please contact us at (800) 845-0432.

Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.

Is my information secure?

Keeping your money and information safe is a top priority for South Carolina Federal. When you use Zelle^® within Online or Mobile Banking, your information is protected with the same technology we use to keep your account safe.

I'm unsure about using Zelle® to pay someone I do not know. What should I do?

If you do not know the person, or are not sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^® for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you do not know is high risk). Neither South Carolina Federal nor Zelle^® offers a protection program for any authorized payments made with Zelle^® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Call us at (800) 845-0432 and ask to move your email address or U.S. mobile phone number to South Carolina Federal so you can use it for Zelle^®.

Once we move your email address or U.S. mobile phone number, it will be connected to your South Carolina Federal account so you can start sending and receiving money with Zelle^® through Online or Mobile Banking. Please call us at (800) 845-0432 for help.

Text Banking

How do I enroll in Text Banking?

Log into Online Banking and click on "Mobile." Read and accept the Terms and Conditions, then follow the prompts to enroll in Text Banking.

What commands or keywords can be used for Text Banking?

Text any of the following commands/keywords to 898265 to receive information about your accounts:

BAL = Account balances
HIST + texting nickname (ex. HIST Checking) = Account history
STOP = Cancel
HELP = Help on keywords

Will I be charged for Text Banking?

We will not charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you are not sure what fees apply when you send and receive text messages.

My CreditScore

What is My Credit Score?

This is a comprehensive credit score program that helps you stay on top of your credit. Upon enrollment, you get instant access to your credit score, credit report, personalized money-saving offers, and financial education tips on how to improve your score or maintain an already great score.

It also monitors your credit report daily and informs you by email if there are any big changes detected, such as a new account being opened, a change in address or employment, a delinquency has been reported, or an inquiry has been made.

Will accessing my credit score "ping" my credit and potentially lower my credit score?

No. Checking your credit score is a soft inquiry, which does not affect your credit score. Lenders use hard inquiries to make decisions about your credit worthiness when you apply for loans.

Is there a fee?

No. Accessing your credit score is free, and no credit card information is required to register.

Does this service offer credit report monitoring as well?

Yes; it will monitor and send email alerts when there’s been a change to your credit profile.

How do I change my email address or other personal information?

If you change your email address in Online Banking, My Credit Score automatically updates your email on its side as well. However, we always encourage you to inform South Carolina Federal of any changes to your contact information.

Digital Wallet

What is a digital wallet?

Digital wallets are apps housed on your mobile device. They allow you to store your credit and debit card information and to securely pay for transactions. A digital wallet can be used on your phone, tablet, or smartwatch.

Where can I use my digital wallet?

You can use your digital wallet to make payments anywhere you see the symbol for Apple Pay^®, Google Pay™ or Samsung Pay.

Does it cost anything to use a digital wallet?

There is no additional cost for using your digital wallet. Message and data rates may apply, depending on your data plan.

What South Carolina Federal Credit Union cards can I use with digital wallet?

All South Carolina Federal Credit Union Mastercard^® debit and credit cards can be used with a digital wallet.

My card could not be verified. What do I do next?

Please call us during business hours at (800) 845-0432 so we can assist.

Loans

What information is needed to apply for a loan?

For all loan requests you will be asked to provide personal information:

Name of each applicant
Physical address (P.O. Box does not apply)
Length of time at address
Phone number
E-mail address
Social Security number
Date of birth
Income information
Name of current employer
Employer's address and phone number
Length of employment
Salary
Position held
Other applicable income (for example, retirement and/or pension)
Current mortgage or rent obligations
Name and phone number of nearest relative not living with you
Reason for loan application

To apply now, get started with an online loan inquiry, visit a local financial center or contact us.

What vehicle information do I need before I apply?

For all vehicle loan requests, you will be asked to provide the following information:

Year
Make, model, and vehicle identification number
Mileage
Additional equipment or options
A copy of the purchase agreement or bill of sale will be required at or prior to loan closing.
A personal financial statement for all unsecured loan requests for more than $10,000.

To apply now, get started with an online loan inquiry, visit a local financial center or contact us.

Can I purchase a vehicle out-of-state or online?

Vehicles can be purchased out-of-state and online. To determine eligibility, an application must be submitted with all buyer and vehicle information in addition to:

Name of dealership or individual
Current vehicle financing institution or a clear title
State vehicle is currently registered
Certain documents may be required but are not limited to the following:
Titling approval letter
Original title
Supporting titling documents
Copy of buyer’s order with account number
Form 400
Power of attorney (signed by buyer)
Property tax receipt or current registration card
DMV titling fees

All South Carolina DMV forms may be printed from www.scdmvonline.com.
To apply now, get started with an online loan inquiry, visit a local financial center or contact us.

When is my loan payment due?

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.

How do I make a payment online?

Click here to learn more about how to make a payment online.

Where do I mail my payment?

Credit Card Payments Only
South Carolina Federal Credit Union
P.O. Box 2711
Omaha, NE 68103-2711

First Mortgage Payments Only
South Carolina Federal Credit Union
P.O. Box 371306
Pittsburgh, PA 15250-7306

Loan Payments
South Carolina Federal Credit Union
P.O. Box 62349
North Charleston, SC 29419-2349

Overnight Loan Payments
South Carolina Federal Credit Union
6265 Rivers Avenue
North Charleston, SC 29406

Will I receive a statement for my loan?

We issue monthly statements at the beginning of each month if the loan account has a checking or a savings account with monthly debits or credits, or has a Money Market account. Otherwise, quarterly statements will be issued.

Current loan information will always be available through Online or Mobile Banking¹.

What is my loan payoff amount?

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.

How long will it take to get my vehicle title?

Titles are released once the loan balance is satisfied.

For loans paid off by certified funds (cashier’s check, cash, or money order), the title will be mailed within 48 business hours of receiving the release form if you request one when you pay off your loan.

Otherwise, your title will be mailed to you within 10 business days.

How do I get help on my past-due loan?

If you would like to make short term payment arrangements, you may also contact our Loss Prevention Team at (843) 569-5045 or (800) 845-0349.

How is interest accrued on my loan?

Our loans are calculated with simple interest, the calculation of daily accrued interest on your principal loan balance.

Simple interest is calculated and assessed by multiplying the account’s current principal amount (and only the principal) by the interest rate. But as you pay down your principal with each monthly on-time payment, that principal decreases, lessening the interest assessed. If you pay more than the minimum required payment, the principal will decrease even more.
For example, a $25,000 loan at a 7% interest rate would be calculated using the formula (Principal Balance x rate)/ 365 days:

$25,000 x 7% = $1,750
$1,750/365 days = $4.80 per day

Can I transfer my loan to another individual?

Loans cannot be transferred; however you can sell your vehicle to another individual. For more information on how to sell your vehicle visit www.scdmvonline.com.

What title and tax fees may apply to my loan?

For the current auto fee schedule, please visit the South Carolina DMV website at www.scdmvonline.com
For the current boat fee schedule, please visit the South Carolina DNR website at www.dnr.sc.gov//boating/Titling_and_Registration/Fees.html
South Carolina sales tax is generally 5% of the sale price with a maximum of $300. To calculate sales tax, use the calculator link below www.convertit.com/Go/ConvertIt/Calculators/Finance/Sales_Tax_Calc.ASP

Do you offer auto insurance?

Click here to learn more about auto insurance available through our wholly-owned subsidiary, South Carolina Federal Insurance Solutions.

Is extra protection available for my auto loan?

Yes. South Carolina Federal offers the following coverage options through third-party vendors:

Payment Protection

Pays, reduces, or waives the loan balance in the event the covered borrower dies, becomes ill or injured and unable to work, or becomes involuntarily unemployed.
Available on consumer loans, line of credit loans, and credit cards.
Available for primary, co-borrower, and both borrowers on the loan (only primary coverage is available on credit cards).
Choose from death, disability, or involuntary unemployment

Guaranteed Asset Protection (GAP)

Relieves you of the responsibility for the remainder of the loan balance that the primary insurance carrier does not cover due to a totaled or stolen vehicle.
Available on auto loans financed up to $100,000 and 84 months.
Maximum GAP loss payout up to $50,000.
Available on motorcycle, ATV, and jet ski loans financed up to $50,000 and 120 months.
Low-cost protection with a 60-day free look.

Mechanical Breakdown Protection (MBP)

Extends coverage to virtually all mechanical and electrical components of your vehicle in addition to the manufacturer’s warranty
Available on new and pre-owned vehicles
Cost and coverage vary based on collateral information
Transferrable coverage
Choose from Ultimate Guard, Preferred Guard, and Classic Guard

To add any of these coverage options to a new or existing loan, visit a financial center or contact us.

Long-Term Savings Accounts

How do I make an IRA contribution or withdrawal?

Contributions can be made with a check or transfer from a South Carolina Federal account. Contributions and withdrawals must be accompanied by a written request. The written request for contributions must include the following information:

Name
Debiting Account Number
Depositing Account Number
Contribution amount
Signature

Between January 1 and April 15 (tax deadline), contribution instructions should specify “Previous Year." Otherwise, the contribution will apply to the current year.

Direct transfers and allocations are applied to the current year.

The written request for withdrawals must include the following information:

Name
Withdrawal Amount
Specified Federal tax withholding amount (none, 10%, or higher).
If a withholding amount is not provided, the Credit Union is required to withhold the max 10%.
IRS penalties, if applicable, will not be withheld; penalties are paid when tax returns are filed.
Signature

For Direct Transfers or Rollovers, contact the receiving financial institution to initiate the transfer and paperwork; once paperwork is received, we will disburse funds.

IRA contributions and withdrawals can be completed via mail, fax, or in a financial center.

What is the early Share Certificate withdrawal penalty?

To withdraw your Share Certificate before maturity, please visit a financial center location or fax your request to the Contact Center.

The penalty for a 3 month through 12 month certificate is 90 days' worth of dividends.
For terms of more than 12 months through 24 months, the penalty is 180 days' worth of dividends.
For terms greater than 24 months, the penalty is 360 days' worth of dividends.

Business Services

Can I open a Share Certificate on my business account?

We offer certificates, available on business accounts:

Regular certificates are opened with a minimum of $500.
Jumbo certificates are opened with a minimum of $50,000.
Terms range from 3 months to 60 months.
Rates are subject to change at any time and vary based on your balance and term.

To open a certificate now, visit a local financial center or contact us.

What documents are required to open a business membership account?

PDF: Required forms of ID

How does my business debit card earn uChoose Rewards?

What we offer:

Points are earned on signature-based transactions only.
MasterCard^® Business Debit Card holders will earn 1 point for every $5 dollars on all signature-based transactions.
Points can be redeemed at www.uChooserewards.com.
Points are redeemable for up to 5 years from the date of purchase.
Each debit card on the business account will receive points for signature-based transactions.

What to expect:

You will need your 16-digit business debit card number.
Initial log in- you will be registering the card (the last 4 of the EIN/TIN will be required).
You will be asked to create a User ID and new password.
If you have already earned points, you will see your totals.
uChoose Rewards will keep track of your points for you.
Points are posted between the 15th and the 25th of the following month.

To receive your card today, visit a local financial center or contact us to request a card by mail.

How can I accept debit and credit card processing at my business?

We have partnered with Clover^® Business Solutions to give our member’s the ability to accept debit and credit cards as forms of payment. Funds are deposited directly into the business checking account within 72 hours of the transaction. All major cards are accepted.
How to get started:

Contact us
A Clover^® representative will contact you regarding your application and answer any additional questions you may have.

Can I have a debit card for my business account?

We offer Mastercard^® Business Debit Cards are valid anywhere Mastercard^® is accepted.

Up to 10 cards on one account.
Access to your funds at any ATM location.
Earn uChoose Rewards points.
Maximum of 20 transactions per day.
Unlimited dollar amount.
Maximum $500 ATM withdrawal within 24 hours.

What you will need:
• A business checking account.
To receive your card today, visit a local financial center or contact us to request a card by mail.

What other business banking services do you offer?

What we offer:

Transaction history to include; balances, deposits, cleared checks or dividends.
Track spending and download transactions to Quick Books.
Make loan payment.
Account research.
Stop Payments.
Multiple users within a company to have assigned levels of access and authority.
Wire transfers for members who qualify.
ACH capability for Business Members who qualify (Direct debit/credit to other accounts).
Scheduled transfers.
Quicken and Quick Books compatibility.
Pay Bills.

How do I change signers on a business account?

What we offer:

Points are earned on signature-based transactions only.
MasterCard^® Business Debit Card holders will earn 1 point for every $5 dollars on all signature-based transactions.
Points can be redeemed at www.uChooserewards.com.
Points are redeemable for up to 5 years from the date of purchase.
Each debit card on the business account will receive points for signature-based transactions.

What to expect:

You will need your 16-digit business debit card number.
Initial log in- you will be registering the card (the last 4 of the EIN/TIN will be required).
You will be asked to create a User ID and new password.
If you have already earned points, you will see your totals.
uChoose Rewards will keep track of your points for you.
Points are posted between the 15th and the 25th of the following month.

To receive your card today, visit a local financial center or contact us to request a card by mail.

How do I order checks and deposit slips?

What you need:

ABA/Routing Transit number, 253278401.
For check reorders, be sure to have the complete checking account number.

What to do:

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."

Visit a local financial center or contact us.

How do I access my business account online?

What you will need:

Complete the form Online Business Banking Manager Designation Form and take it to the nearest financial center.
User ID
User password

Access for log in is at the top of this screen.
If you do not have your log in credentials or need help logging in, please contact us at (800) 845-0432.

Appointments

Can I reschedule my appointment?

To reschedule your appointment for a different date or time, new appointment type, or a different Financial Center, please cancel your existing appointment and schedule a new one.

Can I schedule an appointment for today or tomorrow?

We want to make sure you have an outstanding experience with your appointment. To do that, we ask that appointments are scheduled at least one hour in advance to give our representatives an opportunity to prepare for your appointment. If your need is more urgent, please call us or visit any one of our Financial Centers and we would be happy to help you. Members without an appointment are served on a first-come first-served basis.

Can I still come in without an appointment?

Yes. Any one of our Financial Centers would be happy to help you. Members without an appointment are served on a first-come first-served basis.

How do I know if my appointment has been confirmed?

Look for an email confirmation and text message if you selected "SMS Text Alerts".

How long will my appointment last?

For each of our appointments, we block out 30 minutes or an hour especially for you. Most appointments last 30-45 minutes.

How will you contact me?

We will e-mail you a confirmation of your appointment and send updates to keep you informed on the status of your appointment. We may contact you by phone if we have any questions prior to your visit.

May I schedule an appointment with a specific representative?

Yes, you have the option to select any available resource or specific employee.

What are the advantages of scheduling an appointment online?

Appointments are designed for your benefit. By scheduling an appointment online, we will have a Financial Center Representative ready and waiting for you at your selected date and time to discuss your financial needs. No waiting for a representative to assist you.

What do I need to bring to an appointment?

Visit this page for information about how to prepare for an appointment.

What if I am late for my appointment?

We have a 15 minute no-show rule. If you do not contact us to let us know that you are going to be late, then your appointment will be canceled and our representatives will have to move on to the next member.

What information is required to make an appointment?

We ask for your name, email address, the best phone number to contact you, and whether or not you are an existing member.

What should I do if I miss my appointment?

We are always happy to help you. If you are unable to keep your appointment, please cancel and reschedule. You are welcome to call us 8:00am - 6:00pm, Monday - Friday ((800) 845-0432), or stop by any of our Financial Centers during regular business hours for first-come first-serve basis.

What should I do if the appointment type I need isn’t an option?

Please select the appointment type most closely associated with your needs and include any relevant notes in the Additional Information section of your appointment.

What should I bring with me to my appointment?

Please bring your most recent and accurate drivers license or government-issued ID, your current account information (if applicable), and any relevant information that may help us serve you. Visit this page for information about how to prepare for an appointment.