Help & FAQs | Credit Union | Questions

Find the answers you need to the questions you have – anytime.

When you have questions about your South Carolina Federal Credit Union accounts or our products and services, start here. We compiled the questions we receive most frequently from members so you can quickly find valuable information. If you need more assistance, please contact us. We are always happy to help.

Business Services

Can I open a Share Certificate on my business account?

We offer certificates, available on business accounts:

Regular certificates are opened with a minimum of $500.
Jumbo certificates are opened with a minimum of $50,000.
Terms range from 3 months to 60 months.
Rates are subject to change at any time and vary based on your balance and term.

To open a certificate now, visit a local financial center or Contact Us.

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

PDF: Required forms of ID

How does my business debit card earn uChoose Rewards?

What we offer:

Points are earned on signature-based transactions only.
MasterCard^® Business Debit Card holders will earn 1 point for every $5 dollars on all signature-based transactions.
Points can be redeemed at www.uChooserewards.com.
Points are redeemable for up to 5 years from the date of purchase.
Each debit card on the business account will receive points for signature-based transactions.

What to expect:

You will need your 16-digit business debit card number.
Initial log in- you will be registering the card (the last 4 of the EIN/TIN will be required).
You will be asked to create a User ID and new password.
If you have already earned points, you will see your totals.
uChoose Rewards will keep track of your points for you.
Points are posted between the 15th and the 25th of the following month.

To receive your card today, visit a local financial center or Contact Us to request a card by mail.

How can I accept debit and credit card processing at my business?

We have partnered with Clover^® Business Solutions to give our member’s the ability to accept debit and credit cards as forms of payment. Funds are deposited directly into the business checking account within 72 hours of the transaction. All major cards are accepted.
How to get started:

Contact us
A Clover^® representative will contact you regarding your application and answer any additional questions you may have.

Can I have a debit card for my business account?

We offer Mastercard^® Business Debit Cards are valid anywhere Mastercard^® is accepted.

Up to 10 cards on one account.
Access to your funds at any ATM location.
Earn uChoose Rewards points.
Maximum of 20 transactions per day.
Unlimited dollar amount.
Maximum $500 ATM withdrawal within 24 hours.

What you will need:
• A business checking account.
To receive your card today, visit a local financial center or Contact Us to request a card by mail.

What other business banking services do you offer?

What we offer:

Transaction history to include; balances, deposits, cleared checks or dividends.
Transfer funds between accounts.
Make loan payment.
Account research.
Stop Payments.
Multiple users within a company to have assigned levels of access and authority.
Initiate wire transfers.
ACH capability for Business Members who qualify (Direct debit/credit to other accounts).
Scheduled transfers.
Quicken and Quick Books compatibility.
Pay Bills.

How do I change signers on a business account?

What we offer:

Points are earned on signature-based transactions only.
MasterCard^® Business Debit Card holders will earn 1 point for every $5 dollars on all signature-based transactions.
Points can be redeemed at www.uChooserewards.com.
Points are redeemable for up to 5 years from the date of purchase.
Each debit card on the business account will receive points for signature-based transactions.

What to expect:

You will need your 16-digit business debit card number.
Initial log in- you will be registering the card (the last 4 of the EIN/TIN will be required).
You will be asked to create a User ID and new password.
If you have already earned points, you will see your totals.
uChoose Rewards will keep track of your points for you.
Points are posted between the 15th and the 25th of the following month.

To receive your card today, visit a local financial center or Contact Us to request a card by mail.

How do I order checks and deposit slips?

What you need:

ABA/Routing Transit number, 253278401.
For check reorders, be sure to have the complete checking account number.
Business accounts require specific deposit slips for check deposits.

What to do:

For your first order, visit a local financial center or contact our check provider, Harland Clarke, directly at 888-784-5296.
Reorders can be placed through Online Banking.

Visit a local financial center or Contact Us.

How do I access my business account online?

What you will need:

Complete the form Online Business Banking Manger Designation Form and take it to the nearest financial center.
User ID
User password

Access for log in is at the top of this screen.
If you do not have your log in credentials or need help logging in, please contact us at 800-845-0432.

Financial Assistance

If you are experiencing financial difficulties or worrying about your situation, please reach out to us.

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Order Checks

When you run low on checks, follow this simple online process to order a new batch.

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Financial Terms Explained

Understanding the language behind financial transactions and daily money management puts you in control.

Learn More