Simple Checking

We believe that more things in life should be hassle-free... like this checking account.

Wave goodbye to fees
There are several ways you can eliminate monthly charges for this account.
Superior Service
Free and unlimited branch and Contact Center member service.
24/7 account access
Manage your money anytime, anywhere with Online and
Mobile Banking5.
Auto loan discounts
Lower your monthly payments with a special discount on vehicle financing*.

As close as you can get to effortless money management.

At South Carolina Federal Credit Union, our primary goal is to simplify your life. This checking account is a perfect example. It is easy to avoid monthly fees and even easier to manage your money with the help of a debit card, Online Banking, and more.

Avoiding Fees

If you are age 25 or under, Simple Checking has no monthly charge. For others, monthly fees are waived if you meet one of the following criteria 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 posted PIN or signature debit card transactionsATMATM transactions excluded.
  • 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 Credit Union Mastercard® Credit Card4.
  • You have a South Carolina Federal Credit Union first mortgage.
Unlock Bank at Work benefits.
Eligible South Carolina employees can enjoy exclusive perks through our Bank at Work program. 
Open a Simple Checking account.
Make an Appointment Apply Online Call or Visit
Frequently
asked questions
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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. 

 
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:

    Check Sample

  • 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."
If this is your first time placing an order for checks, please give us a call at (800) 845-0432. 
If this is not your first time ordering checks, follow these steps:
  • 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. on a computer (not on a mobile device).
  • Click on the account for which you want to order checks.
  • Click on "Order Checks."
  • Follow the remaining steps. 

Here are some tools to help you stay on top of your finances and avoid overdrafts:

  • Budget: Check out our budgeting tips to help you make better financial decisions.

  • Enroll in Direct Deposit: Direct Deposit lets you receive your paychecks faster and helps ensure you have the money you need, when you need it.

  • Enroll in 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.: Check your balances and account history, schedule transfers, set up mobile account alerts, and more, all through the convenience of Online Banking.

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