Military Program | Premium Checking Account

We are honored to serve the men and women who protect our freedom.

Free Premium Checking

We waive the monthly fee and pay dividends on your checking balance.

Debit card benefits

Get an Instant Issue card free of charge and cash in with our rewards program.

Rate advantages

Qualify for discounts on auto loans and higher earnings on Share Certificates.

Other perks

Enjoy safe deposit box discounts, free foreign ATM use, and more.

Your country thanks you. And we do, too.

Being active-duty military often means making sacrifices - frequent moves, time away from family, difficult deployments. At South Carolina Federal Credit Union, we feel it is time you were rewarded for your courage and commitment. By simply presenting your active-duty^* military ID, you receive a Premium Checking account with a wide range of benefits.

Monthly Premium Checking fee waived.
Tiered dividend payments starting at $2,500².
Premium Share Certificates available.
0.50% APR³ discount on vehicle loan rates.
Debit Card uChoose Rewards program access to earn points every time you choose “credit” for purchases with your debit card.

Priority member service over the phone.
$20 per year discount on any size safe deposit box.
Free Instant issue debit card, with a variety of colors to choose from.
Free international ATM use (no charge from us - surcharges from ATM owner may apply).

View checking rates.

Effective Date: November 19, 2024

From	To	Dividend Rate	Annual Percentage Yield¹
$2,500.00	$9,999.99	0.05%	0.05%
$10,000.00	or more	0.10%	0.10%

Take a closer look at your budget.

See how much you need to save for that next big purchase.

Thank you for your interest in South Carolina Federal Credit Union.

We want to hear from you!

Fill out the form below and one of our representatives will reach out to you shortly.

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This form is not a secure form of communication. If any confidential information such as account numbers, SSNs, etc. is necessary, it will not be obtained until we have contacted you. This is another way South Carolina Federal works to keep your information secure.

Take advantage of our Military Friendly Checking account.

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Frequently
asked questions

How do I open an account?

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

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

Required documents:

A valid driver's license or government-issued photo ID
U.S. Social Security Number
Credit/debit card to fund the account
Make an Appointment and What to Bring Information

For online account opening, you must be a U.S. citizen or a U.S. resident alien.

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.

Where can I find my account number?

You can locate your account number by clicking on the eye icon within 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..
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.

How do I set up Direct Deposit?

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 (MICR) number.

South Carolina Federal's routing (MICR) 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 within 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..

How do I order checks for my account?

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..
Click on one of your accounts.
Click on "More Actions."
Click on "Order Checks."
Click "Continue."
Follow the remaining steps.

How can I avoid overdrafting my account?

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.

No auto loan payments for 90 days!

Pay nothing 'til 2025 on new or used auto loans. See today's rates and future payment options^*Applies to new loans and external refinances. Existing South Carolina Federal loans are excluded. Certain restrictions apply..

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