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.

You can also access several self-service forms to take care of business on your own.

FAQ results for "outside the us"

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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.
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 open an account?
You can open an account by visiting a financial center, calling (800) 845-0432, or online.

To view Checking account options and learn more, click here
To view Savings account options and learn more, click here

Required documents:
  • 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. 

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 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.
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 use Zelle®?
You can send, request, or receive money with Zelle®.
  1. 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®.
  2. 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.
  3. 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.
  4. 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®.
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.
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