Military Program | Free 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 $2,500.**
Premium Share Certificates available.
0.50% APR*** 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

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

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

My pending transactions do not specify whether it is a deposit or withdrawal. How can I tell the difference?

Please document or make a note of the details of your pending transactions, as you will not be able to tell within Online Banking until the transaction posts.

Where do I find my direct deposit number?

South Carolina Federal's routing (MICR) number is the string of characters that appears at the bottom left of your check (253278401).
To locate your account number:
- The second set of numbers appear on the right side of the check.
- To find your account in Online Banking, click on the corresponding account in Online Banking, then elect Account Information.

How can I tell if a past transaction is a withdrawal or deposit?

If your transaction was a deposit, it will have a "+" next to it. Your withdrawals will not have a symbol next to them.

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

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 Banking^mobileSouth 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 test..
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 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 Banking^mobileSouth 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 test..

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 Banking.
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 here 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 Banking: Check your balances and account history, schedule transfers, receive mobile account alerts and deposit checks through Remote Deposit; all through the convenience of Online Banking.

What are my deposit options?

Download the Direct deposit form here (PDF).
Remote deposit via Mobile Banking.*
Visit a financial center during business hours or through the night drop deposit box on the side of every financial center building.
Deposit at any South Carolina Federal ATM.
Mail it to us (please include your account number) at:
South Carolina Federal Credit Union
PO Box 190012
North Charleston SC 29419-9012
Phone transfer - call (800)845-0432 and make a money transfer through ACI Payments, Inc.
Bank-to-bank wire transfer.

What is Courtesy Pay and how does it work?

Courtesy Pay is a non‐contractual courtesy (not a loan) that may or may not pay items from a checking account when funds are not available.

We pay overdrafts using Courtesy Pay at our discretion.
We do not guarantee that we will always authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction will be decline.
A Courtesy Pay (Paid NSF) fee will be charged each time an overdraft is paid. (see Fee Schedule)
If your account is overdrawn for five or more consecutive business days, an additional fee may apply. (see Fee Schedule)
There is no limit on the total fees that can be charged when you overdraw your account.

Three levels of Courtesy Pay are available:

Premium Courtesy Pay - Attempts to cover all items (ACH, Checks, one time debit card and ATM transactions).
Standard Courtesy Pay - Attempts to cover Checks, ACH, and Online Bill Pay only.
Opt-Out of Courtesy Pay - Nothing is covered.

To add or remove Courtesy Pay from your checking account, visit a local financial center or Contact Us.

What is Overdraft Protection?

Overdraft Protection is a service to help prevent returned checks and overdrafts on your checking account.

How it works:

Available funds from your savings, checking, money market, credit card, or line of credit (PAL or HELOC) are automatically transferred to your checking account in the event of an overdraft.
Fees may apply for overdraft transfers. (See Fee Schedule)

To set an existing account as Overdraft Protection or request Overdraft Protection:
Visit a local financial center or Contact Us.

How do I withdraw money from my checking?

There are several ways to withdraw from your account including:

Online Banking, Phone Banking at 843-797-8255 or toll free at 800-845-8355, and Mobile Banking to transfer between South Carolina Federal accounts.
Bill Pay to pay bills.
Cash withdrawals or transfers between accounts from South Carolina Federal ATMs, AllPoint ATM Locator and with your MasterCard^® debit card.
Non-South Carolina Federal ATM withdrawals are subject to foreign ATM fees.
Bank wire transfers.
Conduct transactions at a local financial center.

What documents are required to open a business savings or checking?

PDF: Required forms of ID

Turn every purchase into a rewarding experience.

Enjoy financial flexibility with low rates, cash back and reward credit card options.

Credit Cards

Military benefits are valid for three years and can be renewed every three years by presenting military ID or proof of active duty service.

Refer to dividend rates page.

***

Offer applies on external refinances only. Discount only available when payment is automatically deducted from Premium Checking.

Dividend Rates are accurate as of 4/7/2023. Rates are subject to change after account opening. Fees and withdrawals may reduce earnings on account.