Simple Checking

Want the essentials? Simple!

Apply Online

As Easy as It Sounds

Sometimes it's best to keep it simple, like with our Simple Checking account.

This straightforward account comes with the benefits you need and fewer fees. It's simplicity at its finest.

Simple Checking features:

  • Instant issue debit card
  • Discounted vehicle loan rates, a 0.25% APR reduction*
  • Free online bill pay
  • Free and unlimited branch and contact center services

The best part is Simple Checking accounts monthly fee is waived as long as ONE of the following is met each month:

  • Average daily balance of $1,0001 in your Simple Checking account
  • Monthly direct deposit of at least a single amount of $2502 or more, and 10 signature-based debit card transactions
  • Month-end loan balance3 of $10,000 or more
  • Monthly direct deposit of at least a single amount of $2502 or more and an open South Carolina Federal Mastercard credit card4
  • First mortgage

These requirements are also waived for members who are 25 years old or younger.

  • * Subject to loan approval. Offer applies to external refinances only. Discount only available when payment is automatically deducted from Simple Checking.
  • 1The Average Daily Balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
  • 2Direct Deposit must come directly into checking from the payroll source (allocations are not considered).
  • 3May combine auto, boat, Personal Access Line, etc. (all consumer loans, excluding First Mortgage and/or credit card).
  • 4Card must be open and in good standing.