Checking Accounts | Test Training Page

Our checking accounts let you choose your definition of "convenient."

Select the options that fit your needs and we'll recommend the best solution.

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With so many attractive checking accounts, you may need to study up a bit to pick the one that fits your finances. This chart makes comparisons easy.

25-and-Under Simple Checking

Get your financial journey started with all the benefits of our Simple Checking account, without the worry of a monthly maintenance fee.

No monthly checking fee.
Free Online Banking, Mobile Banking*, and Bill Pay.

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Military Friendly Checking

For your dedication and service, you deserve the best. That's why we waive the monthly maintenance fee on our best checking account.

Discounted vehicle loan rates and safe deposit boxes.
Free foreign ATM use.

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Rewards Debit Card

Sure, they make purchasing easier. And you can get cash from ATMs. But at South Carolina Federal Credit Union, our debit card offers so much more.

Premium checking members can earn points and shop for rewards.
Mastercard^® security benefits.

Learn More

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

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.

Frequently
asked questions

How do I print my transactions and check images?

Print Transactions:

Select the type and dates of account activity that you could like to print within the "Transaction Details" box.
Click "Filter".
Click "File" in the upper left-hand corner of the screen (or press "Ctrl" a.nd "P" on your keyboard).
Click "Print" (default printer is automatically selected).

*To view/print another date range, input desired date range in "Transaction Details" fields located directly above the transaction activity.

Print Check Images:

Click on the account tile for the account you are looking for.
Click the check link that you want to print.
With the check images displayed, select "File," then "Print" from your browser's toolbar.
Select a printer, if needed.
Click the Print button to send the check images to the printer.

Where can I see my check images?

First click on the account tile for the account you are looking for. Scroll down to view your Past Transactions; the check will display as a link, typically with the check number. Simply click the link to view images of the front and back of the check. Click the Close button at the bottom of the window when you are finished.

You may also filter just check transactions by following these steps within Online Banking:

Click on the corresponding account tile.
Under the "Transaction Details" box, select "Checks" as the Type.
Select the dates that you wish to view.
Click "Filter".

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.

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.

How do I close my account?

If you wish to close your account, we ask that you stop by any financial center location or Contact Us.

Please be advised, your account cannot be closed if you have an open credit card and/or loan with a balance. If the credit card and/or loan are paid in full, but still open, you will still need to sign documents to close those accounts.

South Carolina Federal designs its products and services to stay one step ahead of members’ needs. If you plan to close your account due to relocation, please keep in mind that we offer 24/7 access to your accounts via Online Banking, Phone Banking, Mobile Banking*, Text Banking and mobile apps.

How do I open an account?

Things to keep in mind as you begin the application process:

It will take about 10 minutes to open and fund your new account. What you will need:

A valid driver's license
Previous home address (if you have lived at your home address for less than two years)
U.S. Social Security Number or ITIN
U.S. checking account or 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), Business, Teen accounts and Kids Savings accounts. Please visit a local financial center or Contact Us for assistance with these accounts.²
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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.

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.

How do I order checks for my account?

Log into Online Banking on a computer (not on a mobile device)
Click on one of your account tiles.
Click on "More Actions".
Click on "Order Checks".
Click "Continue".
Follow the remaining steps.

How do I request a check copy?

Copies of cleared checks are available for up to 7 years from the date they are posted to your account.

To obtain a check copy through Online Banking:

Log into your account through the homepage.
Under the “Account Access” tab choose “View Transaction History”.
If the check number appears in the “History” click on the blue hyperlinked check number; an image of the check will appear.
Checks are maintained through online banking 6 months after the cleared date.

Use our Secure Chat feature to complete your request:

Please log into Online Banking and click on the “Secure Chat” link for a live chat with one of our representatives.
For check copies beyond 6 months visit a local financial center or Contact Us.

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.

Make informed financial decisions with helpful resources.

Financial Calculators

Financial Wellness

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