Help & FAQs

Our routing number is 253278401.

To locate your account number in Online or Mobile Banking⁹⁹All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates., select an account, click "details," then choose "Show Full Account Number."

• If you have checks for your account, your account number is the second string of characters printed on the bottom of your checks:

  

• You can also view your account number on your membership card that you received when you opened your account.

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

• Checking and Savings dividends (1099 INT)
  • Log into Online Banking.
  • From the Accounts menu, select "Statements"
  • Click "View Notice/Tax Forms" to find your tax document
    • If you are not enrolled in e-statements, we will mail you this tax statement
    • You will only be issued this form if you received over $10 in dividends for the calendar year
• Mortgage (1098)
  • Log into Online Banking.
  • Select the Mortgage account
  • Then "Documents," then "Statements"
  • Choose the 1098 form you need from the list
• 1099R and 1099Q statements are mailed to you on or by January 31^st. 5498 forms, if applicable, are mailed after April 15^th.

Did you buy a new American‑made car this year?

You may qualify for a special car loan interest tax deduction. Eligibility varies, so we encourage you to review the details directly on the IRS website. Learn more from the IRS here.

Yes! To update date and time, just use the "modify" link in your confirmation email. For any other changes, please cancel your existing appointment and make a new one.

Yes. 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.

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.

You will receive an email confirmation. 

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

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
• Loan application purpose
• Collateral information, if applicable.

Click here for more information about the loans we offer, or visit a local financial center or contact us. 

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 Banking⁵All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates., or statements.

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

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

Please click here to view the documents you will need to open a business account.

To register your Mastercard^® Mastercard^® is a registered trademark, and the circles design is a trademark of Mastercard^® International Incorporated.Business Debit Card, visit uchooserewards.com and follow the registration steps using the last four digits of the EIN/TIN. If you have already earned points, you will see your totals. Points are posted between the 15th and the 25th of the following month.

Mastercard^® Debit cardholders earn 1 uChoose Rewards^® Please refer to your Credit Card Agreement for details and limitations on Rewards.point for every $5 on all signature-based transactions. Mastercard^® Business Credit cardholders earn 1 uChoose Rewards^® point for every $1 on all transactions. Each debit or credit card on the business account will receive points for transactions.

Points can be redeemed at uchooserewards.com for up to 5 years from the date of purchase. 

We work with Clover^® Services are not provided by South Carolina Federal Credit Union, and South Carolina Federal makes no representation or warranties regarding the services offered. Terms and Conditions subject to change without notice.

© 2020 Clover Network Inc. The Clover name, logo and related trademarks are owned by Clover Network, Inc., and are registered or used in the U.S. and many foreign countries. Merchant services are provided by First Data Merchant Services LLC dba Clover Business Solutions. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.
 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.
Click here to learn more about card processing or contact us to get started and a Clover^® representative will contact you regarding your application and answer any additional questions you may have.

If this is your first time placing an order for checks, please give us a call at (800) 845-0432. You will need to have the ABA/Routing Transit number ready (253278401). For check reorders, be sure to have the complete checking account number.

If this is not your first time placing an ordering checks, please these steps:

• Log into Online Banking⁶All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates. on a computer (not on a mobile device).
• Click on one of your account for which you want to order checks.
• Click on "Order Checks."
• Follow the remaining steps.

To register for Online Banking please visit one of our financial centers or give us a call at (800) 845-0432.

If you have already registered for Online Banking⁶All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates. and would like to log in, click on "Login" at the top of scfederal.org and enter your user ID and password. 

To log in to Mobile Banking, download the app from the App Store or Google Play by searching for "South Carolina Federal Credit Union," and enter your user ID and password.
 

To register your Mastercard^{®Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard® International Incorporated.} Business Debit Card, visit uchooserewards.com and follow the registration steps using the last four digits of the EIN/TIN. If you have already earned points, you will see your totals. Points are posted between the 15th and the 25th of the following month.

Mastercard^® Debit cardholders earn 1 uChoose Rewards^{®Please refer to your Credit Card Agreement for details and limitations on Rewards.}point for every $5 on all signature-based transactions. Mastercard^® Business Credit cardholders earn 1 uChoose Rewards^® point for every $1 on all transactions. Each debit or credit card on the business account will receive points for transactions.

Points can be redeemed at uchooserewards.com for up to 5 years from the date of purchase. 

Business credit card and debit cardholders can redeem points for rewards online by following these steps:

• Visit uChooserewards.com.
• 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

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

Please click here to view the documents you will need to open a business account. 

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 Banking⁵All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates. or statements.

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

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

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.

Click here to learn more about our Share Certificates rates.
To open a certificate now, visit a local financial center or contact us.

We offer ability to:

• View transaction history to include balances, deposits, cleared checks, or dividends.

• Track spending and download transactions to Quick Books.

• Make a loan payment.

• Conduct account research.

• Apply stop payments.

• Allow multiple users within a company to have assigned levels of access and authority.

• Conduct wire transfers for members who qualify.

• Send ACH payments for Business Members who qualify (direct debit/credit to other accounts).

• Schedule transfers.

• Pay bills.

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

To view Checking account options and learn more, view Checking account options. 
To view Savings account options and learn more, view Savings account options. 

Required documents:

• A valid driver's license or government-issued photo ID
• U.S. Social Security number
• Credit/debit card to fund the account
• To make an appointment and to find out what other documents you need to bring with you, make an appointment.

For online account opening, you must be a U.S. citizen or a U.S. resident alien. Check out our Electronic Consent Agreement.

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. 

 

Yes!

Opening multiple savings accounts helps you stay organized and intentional with your money by separating funds for specific goals—like an emergency fund, holidays, or major purchases. This approach makes it easier to track progress, avoid spending money meant for other purposes, and be prepared for unexpected expenses without disrupting your budget or relying on debt. Multiple accounts can also support healthier saving habits and greater financial peace of mind. It's easy to nickname them inside Online BankingAll of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates..

To locate your account number in Online or Mobile Banking⁹⁹All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates., select an account, click "details," then choose "Show Full Account Number."

• If you have checks for your account, your account number is the second string of characters printed on the bottom of your checks:

  

• You can also view your account number on your membership card that you received when you opened your account.

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 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 in Online or Mobile Banking⁹⁹All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates. by selecting an account, clicking "Details," then choosing "Show Full Account Number."

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 Banking⁹⁹All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates.. Simply log in and click on "Cards." 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 Banking⁹⁹All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates.. Simply log in, click on "Cards," and follow the prompts to close your credit card and request a new one.
• Or for your Mastercard^® Mastercard^® is a registered trademark, and the circles design is a trademark of Mastercard^® International Incorporated.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.

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:

• To file a claim via phone for your Mastercard^® Mastercard^® is a registered trademark, and the circles design is a trademark of Mastercard^® International Incorporated.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.

• Log in to Online or Mobile Banking⁹⁹All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates. to transfer a payment.
• Mail a payment to us:
  • South Carolina Federal Credit Union
    P.O. Box 2711
    Omaha, NE 68103-2711
     
• 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.

• Log into Online Banking⁶All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates..
• Click on "Cards."
• Click on the card you want to register.
• Click on "Rewards."
• Follow the registration steps. 

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

• Log into Online or Mobile Banking⁶All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates..
• Click on "Cards."
• Select "Manage Travel Plans."

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

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.

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

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

All South Carolina Federal Credit Union Mastercard^® Mastercard^® is a registered trademark, and the circles design is a trademark of Mastercard^® International Incorporated.debit and credit cards can be used with a digital wallet.

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

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

Learn more about the loans we offer for more information and check out our Electronic Consent Agreement. Visit a local financial center or contact us.

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 Banking⁶All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates., or statements.

Learn more about how to make a payment online.

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, personal access line of credit loans and HELOCs will be locked and no advances can be taken.

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

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 Banking⁹⁹All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates.. Simply log in and click on "Cards." 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 Banking. Simply log in, click on "Cards," and follow the prompts to close your credit card and request a new one.
• Or for your Mastercard^{®Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard® International Incorporated.} 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.

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:

• 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.

• Log into Online or Mobile Banking⁹⁹All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates..
• Click on "Cards."
• Select "Manage Travel Plans."​​​​​​

• Log into Online Banking⁹⁹All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates.
• Click on "Cards."
• Click on "Replace card."

Yes, you must be a South Carolina Federal Credit Union member to close on a mortgage. Learn more about the benefits of becoming a member. 

You will need to complete a loan application online and provide various documentation including pay stubs, tax documents, bank statements, etc. If you are pre-approved, you will receive a letter that serves as written verification from a lender that you qualify for a specific mortgage amount. 

Applying for a home loan may have a minor effect on your credit score, lowering it by just a few points. However, checking your credit is a necessary step for getting a mortgage. It allows us to show you actual mortgage options and interest rates.

Once your offer is accepted, it is time to apply for a mortgage. But first, you will need to provide some information, including:
•    Your current residence address, or addresses, for the past two years.
•    Social Security numbers for all borrowers.
•    Your employment history for the past two years. You'll need your employer's name, address, and phone number.
•    Income information for all borrowers. You will be asked to include salary, overtime, bonuses, commissions, interest/dividend, retirement income, and any other regular source(s) of income.
•    The price of the home you are buying, and how much you would like to borrow toward the purchase.
•    The address of the property you are planning to purchase.
•    Bank and brokerage account information, including the institution name and current balances.
•    Information about any real estate that you own, including address, current market value, the amount you owe, the rental income you receive (if any), and the amount of your monthly payment.
•    Information about your current debts, including the name of the creditor, the account number, the current balance owed, and the amount of your monthly payment.

It typically takes 30 days to close on your mortgage once you’ve submitted all required paperwork and documents. Careful organization and clear communication between buyer, seller, and lender will ensure a seamless closing. However, closing times vary based on many factors, so check with your mortgage loan officer early in the process to better understand when you can expect to close.

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.

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.

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

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

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.

Our scholarship program is open to students attending undergraduate college in South Carolina for the fall 2026 semester. If you live in another state but plan to attend a South Carolina-based university, you are eligible! If you are in college now, you are eligible as long as you're attending school in South Carolina.

Applicants are also required to have a GPA of at least 3.0 and be a legal resident of the United States. 

Graduate students are not eligible to apply. Applicants must be in good standing with South Carolina Federal and must not have caused a loss to the credit union.

No, you do not have to be a member of South Carolina Federal Credit Union.

Yes, previous scholarship winners are eligible, but must submit a new application and essay.

Applications go through three rounds of scoring and are judged by a diverse group of credit union employees and third-party judges. Any revealing information about an applicant is concealed so that judges can review applications without knowing who they are scoring.

Each application is evaluated based on financial need, academic success, volunteer experience, essay, and a written recommendation.

To sign up for Online Banking, click on "Login" at the top of the screen, then click on "First Time User", and follow the prompts. 

To sign up for Mobile Banking, 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 "Register" to establish a user ID and 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.

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.

If you are able to access Online or Mobile Banking, log in and follow these steps:

• From Online Banking, click on your name and select "Profile." From Mobile Banking, click on "Menu" and select "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.

If you are able to access Online or Mobile Banking, log in and follow these steps:

• From Online Banking, click on your name and select "Profile." From Mobile Banking, click on "Menu" and select "Profile."
• Enter your current password.
• Enter your new password.
• Confirm your new password.
• Click "Save."

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.

Technology is continuously evolving, especially within the financial services industry. We upgraded our system to ensure we continue to provide the highest level of account security and member service. 

No. Your debit and credit card numbers remain the same, and your PIN did not change.

No. You may use your existing username and password to log in to Online and Mobile Banking. If you have multiple Online and Mobile Banking profiles and you are not sure which credentials you should use to log on, check out our Online and Mobile Banking tips.

No. Simply update your Mobile Banking app to get the latest version.  

Yes, you can still use your current checks and you do not need to order new checks.

Zelle^® is a convenient way to send and receive money with friends, family, and others you trust through your bank or credit union’s mobile app or online banking. All you need is your recipient’s email address or U.S. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle^®. Your account information and activity stay private. Zelle^® is available in over 2,200 bank and credit union apps, so you can send money to friends and family even if they don’t bank at South Carolina Federal¹.

¹To send or receive money with Zelle^®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

You can send, request, or receive money with Zelle^®. To get started, log into your South Carolina Federal account via Online or Mobile Banking². From Online Banking, click on "Zelle^®." In Mobile Banking, click on "Menu" and select "Zelle^®."

To send money using Zelle^®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes if they are already enrolled with Zelle^®.

To request money using Zelle^®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review, and hit “Request." If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your South Carolina Federal account, typically within minutes.

If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select South Carolina Federal.
3. 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 to ensure you receive your money.

Keeping your money and information secure is a top priority for South Carolina Federal. When you use Zelle^® within Online or Mobile Banking², your information is protected with the same technology we use to keep your South Carolina Federal account secure.

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 minutes¹, 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).

¹To send or receive money with Zelle^®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

Some small businesses are able to receive payments with Zelle^®. Ask your favorite small business if they accept payments with Zelle^®. If they do, you can pay them directly from Online or Mobile Banking² using just their email address or U.S. mobile number.

Zelle^® is a fast, safe, and easy way for small businesses to send, receive, and request money, typically within minutes¹, with customers and eligible vendors they trust. If your customers use Zelle^® within their financial institution’s banking app, they can send payments directly to your South Carolina Federal account with the email address or U.S. mobile number associated with your business.

¹To send or receive money with Zelle^®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, log in to your South Carolina Federal small business account via Online or Mobile Banking.

From Online Banking, simply navigate to "Zelle^®" in the top navigation. From our Mobile Banking app, select "Zelle^®" from the main menu and enroll your business email address or business U.S. mobile number. Follow the on-screen prompts and you are ready to start sending and receiving money with Zelle^®.

To send money with Zelle^®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add 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 minutes¹.

To receive money using Zelle^® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle^® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle^®, you will receive your money directly into your enrolled bank account.

To request money using Zelle^® with a small business account, choose “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.” If the individual you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the individual has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.

¹To send or receive money with Zelle^®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, log in to your South Carolina Federal small business account via Online or Mobile Banking. From Online Banking, simply navigate to "Zelle^®" in the top navigation. From our Mobile Banking app, select "Zelle^®" from the main menu. Enroll your business using the email address or U.S. mobile number associated with your small business. If you do not see Zelle^®, please contact us at (800) 845-0432.

No, South Carolina Federal does not charge any fees to use Zelle^® with a small business account. Your mobile carrier's messaging and data rates may apply.

Neither South Carolina Federal nor Zelle^® offers purchase protection for 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, we will not be able to help you get a refund. That is why it is important to only send money to people and small businesses you trust, and always ensure you have used the correct email address or U.S. mobile number when sending money.