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Mobile Banking

Help Center - Online Services

We make it simple to access your money anytime and anywhere you want. Tap our smartphone and tablet apps available for iPhone®, iPad®, or Android™ to access your account at your fingertips!

Get Started with the Mobile App

Simple yet powerful account management for your mobile device.

Your internet and mobile carriers' message, call and data rates may apply.

Text Banking

If your phone is capable of sending text messages, getting your account information through text messages is simple. Login to your desktop computer to sign on and activate text banking.

Your internet and mobile carriers' message, call and data rates may apply.

Remote Deposit a Check

Deposit paper checks quickly and securely. Receive money from people. View check deposit history.

Your internet and mobile carriers' message, call and data rates may apply.

Frequently Asked Questions

What is Mobile Banking?

What does Mobile Banking cost?

Is Mobile Banking currently available to all users?

Will Mobile Banking work on my mobile phone?

Will Mobile Banking work on my iPad?

Which mobile service providers support this service?

How does Mobile Banking work?

How do I enroll in mobile banking and/or the mobile app?

I am unable to access my accounts via Mobile Banking?

Will I be able to view my linked accounts in addition to my account on mobile banking?

Why does the app need access to my information such as my calendar, etc.?

How many transactions can I see on my phone at a time?

Can I see transactions for a different time period?

Can I change accounts on the Transaction History page?

Where can I locate the transaction details?

Can I see scheduled transfers on my phone?

Why can't I access the Bill Pay tab?

Can I register for Bill Pay on my phone?

How do I make a payment using my phone?

How do I log out?

Are my challenge question answers case sensitive?

Is a password needed for Mobile Banking?

I have disconnected my mobile phone. Will my service continue to work?

I have a new mobile device and phone number. Will Mobile Banking work on it?

Is it safe to bank using the Mobile Banking service?

Is help available through my mobile device?

My session timed out pretty quickly, can I change the timeout value?

I logged into the Mobile App and had to change screens to look at another app/e-mail/etc.? and now I have to log in again? Can I choose to stay logged in?

Why do I have to answer security questions within Mobile Banking?

Can I view pending transactions within the Mobile App?

I was locked out, but contacted South Carolina Federal and was able to unlock my account? However, I still am unable to log into the Mobile App? What’s happening?

What is Mobile Banking?

A service that enables you to access your account information, conduct transfers, and pay and manage your bill payments from any mobile device that has Web browsing capabilities and active data plan.

What does Mobile Banking cost?

Mobile Banking from South Carolina Federal Credit Union is FREE for members, but you are required to subscribe to a data plan through your wireless provider. You should check with your wireless provider if you aren't sure whether additional fees might apply.

Is Mobile Banking currently available to all users?

Mobile Banking is available to all users that own mobile devices with Web browsing capabilities and that subscribe to a data plan through their wireless carrier. Please note that you must have an Online Banking login and password to use Mobile Banking.

Will Mobile Banking work on my mobile phone?

Mobile Banking will work on any mobile device with Web browsing capabilities and an active data plan through a wireless carrier.

Will Mobile Banking work on my iPad?

Yes. However, IOS 6.0 or higher is required.

Which mobile service providers support this service?

The service works on all major mobile providers in the U.S., including but not limited to:

Alltel
AT&T
Cellular One (Dobson)
Nextel
Sprint
T-Mobile
US Cellular
Verizon Wireless
Virgin Mobile

How does Mobile Banking work?

From a mobile device with Web browsing capabilities and an active data plan, all you have to do is open a browser and enter South Carolina Federal Credit Union's URL, m.scfederal.org to access mobile banking home page. Enter your user ID and password—the same you use for Online Banking—and select the Log In button. No separate or different registration is required. Answer any additional security questions - then select the Continue button to access Mobile Banking. Once logged in, you can:

Access Your Accounts—the Mobile Banking experience is virtually the same as online banking, although on a smaller screen.
Pay Bills—you must first register and set-up your payees / billers on a PC before utilizing bill payment through Mobile Banking.
Make Transfers—you must have more than one account on Online Banking for this functionality to be available on Mobile Banking.

How do I enroll in mobile banking and/or the mobile app?

To enroll in mobile banking:

Click on "Mobile" in the navigation bar
Read and agree to the Terms and Conditions for Mobile Banking
Select the accounts you want to have access to through Mobile Banking (from the Mobile menu, click "My Accounts").
Click "Continue"
Select your time zone
Select the account(s) you wish to access through Mobile Banking and confirm their nicknames; click "Continue"
Enter your mobile phone number; click "Continue"
Enter the activation code we sent to your phone; click "Activate"

I am unable to access my accounts via Mobile Banking?

Please ensure that you have logged into Online Banking first using a computer and have enrolled by clicking on the "Mobile" tab.

Will I be able to view my linked accounts in addition to my account on mobile banking?

Your cross-accounts will display within Mobile Banking if you have cross-account set up on your accounts. Additionally, you can still access your other accounts by logging out of one account, and logging into another account. Although you may transfer funds to those accounts, the balances are not available to view.

Please note that you will only be able to log into one account per mobile phone, unless you are accessing your accounts from an iPad or using the browser-based mobile tool.

Why does the app need access to my information such as my calendar, etc.?

Our app needs access to the following information on your mobile phone for the following reasons:

Location—The app uses the phone's GPS when searching for ATM or financial center location.
Phone—The support number is in the app under terms and conditions. This permission allows the app to access the phone to make a call.
Camera/Microphone—The camera is used for mobile deposit transactions.
Wi-Fi connection information—Wi-Fi helps with connectivity.

How many transactions can I see on my phone at a time?

When you select an account name link on the Accounts tab, up to 10 transactions display.

Can I see transactions for a different time period?

No. To view a complete list of your transactions, please view your account in Online Banking by visiting scfederal.org.

Can I change accounts on the Transaction History page?

No. Click on "Back," then "Menu" to view transactions for a different account.

Where can I locate the transaction details?

Within the Transaction History page, the payee name is listed (e.g., Target) along with the date, and amount.

Can I see scheduled transfers on my phone?

No; please log into Online Banking from a computer to view your scheduled transfers.

Why can't I access the Bill Pay tab?

The Bill Pay tab is only enabled for users that have signed up for Bill Pay within the Online Banking on a personal computer and have set up one or more payees (people or companies you want to pay). When you are ready to make payments on your phone, selecting the Bill Pay option will open the Make a Payment page.

Can I register for Bill Pay on my phone?

Sorry, not at this time. You must access Online Banking using a personal computer, find the "Pay Bills" button and enroll there. Chances are you automatically registered for Bill Pay when you signed up for Online Banking. If so, all you need to do is set up one or more payees (people or companies you want to pay) to get started.

How do I make a payment using my phone?

Tap the Payments icon at the bottom of your screen. Then select the action you want.

How do I log out?

When you're ready to log out, just select More at the bottom of your screen, then select Log Out.

Are my challenge question answers case sensitive?

No, your challenge answers are not case sensitive (e.g., Pine is the same as pine). However, they must be in the same format that was originally used (e.g., 1/2/15 is not the same as 01/02/2015 or Jan 2, 2015). Try to select answers that only you know and ones that you should be able to remember.

Is a password needed for Mobile Banking?

Yes. From your mobile device, all you need to do is login to Mobile Banking the same as you would Online Banking, using the same log-in information you do for Online Banking. No separate Mobile Banking sign-up is required.

I have disconnected my mobile phone. Will my service continue to work?

For Mobile Banking to work, you must have a mobile device with Web browsing capabilities and active data plan through a wireless carrier.

I have a new mobile device and phone number. Will Mobile Banking work on it?

Yes. You can access Mobile Banking from any of your mobile devices, as long as the mobile device has Web browsing capabilities and active data plan through a wireless carrier.

Is it safe to bank using the Mobile Banking service?

Yes. To protect your privacy, you are required to authenticate yourself, using the same information from Online Banking, on each individual mobile device. And all communication between your mobile device, wireless provider and the mobile banking server are encrypted. In addition, your passwords, answers to challenge questions and account information are never stored by the mobile device or in the Mobile Banking application.

Is help available through my mobile device?

For help regarding South Carolina Federal's Mobile Banking product, contact us by phone 843.797.8300 (Charleston) or 800.845.0432 (Nationwide) or contact us. For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.

My session timed out pretty quickly, can I change the timeout value?

Five minutes is the only timeout option. For your security and protection, when there has been no account activity for five minutes, the session times out and display the Mobile Banking log in page with a Session Expired message.

I logged into the Mobile App and had to change screens to look at another app/e-mail/etc.? and now I have to log in again? Can I choose to stay logged in?

No; this is an intended feature of our Mobile app for your security and protection. You will have to log in each time you switch screens.

Why do I have to answer security questions within Mobile Banking?

This is an enhanced security feature of Online Banking 2015.

Can I view pending transactions within the Mobile App?

Yes! Pending transactions are visible within the Mobile App.

I was locked out, but contacted South Carolina Federal and was able to unlock my account. However, I still am unable to log into the Mobile App. What's happening?

Please ensure that you have logged into the desktop version of Online Banking before attempting to log into the Mobile App.