Help & FAQs

Find the answers you need to the questions you have – anytime.
When you have questions about your South Carolina Federal Credit Union accounts or our products and services, start here. We compiled the questions we receive most frequently from members so you can quickly find valuable information. If you need more assistance, please contact us. We are always happy to help.

FAQ results for "outside the us"

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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.
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.
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. 

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

Financial Assistance
If you are experiencing financial difficulties or worrying about your situation, please reach out to us.
Order Checks
When you run low on checks, follow this simple online process to order a new batch.
Financial Terms Explained
Understanding the language behind financial transactions and daily money management puts you in control.