Online Banking

Frequently Asked Questions

How do I order checks for my account?

How do I know if my mobile deposit was accepted?

How do I update my security questions?

I received an email that I received a secure message. How do I find that message?

How do I sign up for eStatements?

My mobile deposit was accepted, but I don't see the funds in my account. How long does this process take?

Why am I receiving a fee for Bill Pay?

What is my loan payoff amount?

Can I conduct a principal-only payment on my loan in Online Banking?

I'm trying to conduct an external transfer, but it's not going through. What do I need to know?

How do I contact one of your financial centers?

Where can I find my account number?

How do I make a payment online?

What is your routing number?

Where do I mail my payment?

What do I do if I forgot the answers to my security questions?

I downloaded the mobile app, but it's not working. What do I do?

Where do I find my direct deposit number?

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

How do I change my address?

How do I set up alerts?

How do I register for uChoose Rewards?

How do I order checks for my account?

1. Log into online banking on a computer (not on a mobile device)
2. Click on one of your account tiles
3. Click on "More Actions"
4. Click on "Order Checks"
5. Click "Continue"
6. Follow the remaining steps

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How do I know if my mobile deposit was accepted?

When viewing your account from our app, click on "Deposit," then "Check Deposit History." From this tab you can view your accepted, pending, and failed check deposits.

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How do I update my security questions?

To update your security phone number in online banking, follow these simple steps:

1. Log into online banking on a computer (not on a mobile device)
2. Click on "Settings"
3. Click on "Security and Alerts"
4. Click on "Security Questions"
5. Choose security questions
6. Enter your answers in the space provided
7. Click "Save"

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I received an email that I received a secure message. How do I find that message?

1. In Online Banking, click on one of your deposit accounts (i.e. savings or checking account tile)
2. Click on "Online Statements"
3. Click "Continue"
4. Click "Account Notice"

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How do I sign up for eStatements?

1. Click on one of your account tiles from the Online Banking home screen
2. Click "Online Statements"
3. Scroll to the bottom of the page and click on the "Change Registration Information" link
4. When the options appear, click on "To discontinue or resume accounts" button
5. Check the box under "Resume" and hit Submit
6. Please read over the "SOUTH CAROLINA FEDERAL CREDIT UNION ELECTRONIC STATEMENT ("eStatements/eNotices") AND DISCLOSURE AGREEMENT" and click "Yes" or "No"
7. If you click "Yes," you are signed up to resume eStatements/eNotices
8. Your next periodic statement will be sent electronically
9. You will be notified by email when the next statement is available

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My mobile deposit was accepted, but I don't see the funds in my account. How long does this process take?

Check deposits made using Remote Deposit are subject to verification and will generally be available for withdrawal within one (1) business day.





Why am I receiving a fee for Bill Pay?

If you have Self-Service Checking, you may incur a monthly non-usage fee if you register for Bill Pay but do not use it to pay at least one bill each month. Please refer to current Truth-In-Savings Rate (PDF) and Fee Schedule for details.

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What is my loan payoff amount?

A payoff quote is available for all loans and will include accrued interest and the daily per diem.

Auto, boat, recreational vehicle, credit cards or personal loans:

• To obtain a 10 business day payoff quote, visit a local financial center or contact us
• To obtain today's payoff quote, visit a local 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.

First Mortgage: contact Dovenmuehle at 877-636-9534

Second Mortgage/HELOC: Fax payoff request to Fulfillment at 843-553-5729. 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

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Can I conduct a principal-only payment on my loan in Online Banking?

No. Please contact us and we will help you with a principal-only payment.

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I'm trying to conduct an external transfer, but it's not going through. What do I need to know?

You may only add an account you own. To transfer money to another person, please visit the "Pay Bills" section of Online Banking and click on "Pay People."

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

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How do I contact one of your financial centers?

Our financial centers do not have public phone numbers. Please call our Contact Center (800-845-0432) and we'll be happy to help you.

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Where can I find my account number?

The easiest way to find your account number is by viewing your most recent statement.

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How do I make a payment online?

If you are already registered for Bill Pay, simply click on the "Pay Bills" tab located in the main menu. Not registered for Bill Pay, simply:

• Click "Signup for payments" in the Make a Payment or Bill Pay widget

Or

• Click on Bill Pay in the main menu.
• Click Enroll Now
• Verify the Account Holder Personal Information
• Notify us if you change ANY INFORMATION in the Account Holder Personal Information section.
• Verify the Account Information
• Select the Funding Account to pay online bills
• Begin paying bills immediately.

To keep your Bill Pay account activated, pay a bill within 90 days or the account will become inactive. If this happens, contact us to have the account unlocked. If you are unable to set up your Bill Pay, or have any questions, please visit a local branch or contact us.

As a reminder, if you have Self-Service Checking, you may incur a monthly non-usage fee if you register for Bill Pay but do not use it to pay at least one bill each month. Please refer to current Truth-In-Savings Rate and Fee Schedule for details.

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What is your routing number?

253278401

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Where do I mail my payment?

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

Loan Payment Mailing Address:
South Carolina Federal Credit Union
P.O. Box 62349
North Charleston, SC 29419-2349

First Mortgage Payments Only:
South Carolina Federal Credit Union
P.O. Box 660592
Dallas, TX 75266-0592

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What do I do if I forgot the answers to my security questions?

If you forgot the answer(s) to your security question(s), log into online banking and reset them by following these steps:

1. Click on "Settings"
2. Click on "Security and Alerts"
3. Click on "Security Questions"
4. Choose security questions
5. Enter your answers in the space provided
6. 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.

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I downloaded the mobile app, but it's not working. What do I do?

You need to register your mobile device in online banking.

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Where do I find my direct deposit number?

You must provide your employer your checking MICR number for direct deposit to a checking account. For savings direct deposit, you can use your account number.

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

To update your security phone number in Online Banking, follow these simple steps:

1. Click on "Settings"
2. Click on "Security and Alerts"
3. Click on "Identity Verification Phones"
4. Enter your new phone number in the space provided
5. Enter your phone nickname
6. Select how you would like to receive notifications
7. Check the box indicating that you have read and agree with the Verification Alerts terms and conditions
8. Click "Save"

Please note that for security purposes you will 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.

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How do I change my address?

To change your postal address in Online Banking, follow these simple steps:

1. Click on "Settings"
2. Click on "Profile"
3. Click on "Address"
4. Update your address in the space provided
5. 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.

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How do I set up alerts?

You can set up text alerts on your account by logging into online banking, clicking on "Settings," then "Security and Alerts," 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.

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How do I register for uChoose Rewards?

Enroll your debit (if you have Premium Checking) and or credit card at uChooseRewards.com. Points can be redeemed for merchandise and travel awards online.

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