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.

Card Services

Why is a pending transaction different than the actual amount?

An authorization may vary from the final purchase amount in situations where there is an estimated authorization amount or a tip is involved.

Example: At a restaurant, an authorization is requested prior to a tip being added. The final purchase amount will include the tip.
Example: At the gas pump, an initial authorization is requested prior to dispensing fuel and determining the final amount of the purchase. Many pay-at-the-pump gas purchases are initially authorized for $1 no matter the final purchase amount.
Example: At a hotel, an authorization in the amount equal to the entire stay plus an estimated amount for incidentals may be made. This can also be true of cruise lines and car rental companies.

How do I order a debit card?

The MasterCard^® Debit Card is accepted at millions of locations worldwide. You’ll have instant access to your checking account with the convenience of a card.

If your card is damaged or if you have never had an ATM/Debit card assigned to your account:

Visit a local financial center for a debit card instantly issued.
Use our Secure Chat feature in Online Banking to request a card.
Contact Us to request a card by mail.
To activate your debit card, call 866-299-2275.

How do I enroll in credit card eStatements?

Go to Online Banking.
Click "Fiserv Online Account Management".
Click "Services".
Click "Statement Delivery".

How do I redeem points for merchandise?

Premium Checking account holders can redeem points for rewards online.

To redeem points online:

Visit www.uChooserewards.com.
Select the “Merchandise” link to view the merchandise catalog.
Add the desired merchandise awards to your shopping cart for redemption.
Click on the "Proceed to Checkout" button to place your order online.
Enter your name, shipping address and a telephone number and click "Transmit Order" to submit your order.
You will receive a confirmation number after your order has been submitted.

Keep records of your order until you receive your award merchandise. Points can be redeemed for travel awards online or via phone.

Travel awards that can be redeemed through the uChoose Rewards Travel Agency include:

Airline tickets
Hotel certificates
Car certificates
Vacation packages
Experiences
Cruises

To redeem points, visit www.uChooserewards.com.

What should I do if my card is lost or stolen?

For lost or stolen cards:

Turn your card off/on and report it as lost or stolen using Online or Mobile Banking. Simply log in, click on "Manage Cards" in Online Banking or "Cards" in Mobile Banking, and follow the prompts to close your credit card and request a new one.

Or you can call Cardholder Services at (855) 325-0904.

Once your card has been cancelled, a new one will be mailed to you in 7-10 business days.
Check your account to ensure there are no unauthorized transactions.

Are there any transaction fees for using my debit card?

MasterCard^® may assess a foreign transaction fee for purchases made outside the United States.
Fees may still apply when used at a non-South Carolina Federal ATM. Visit allpointnetwork.com to locate a surcharge-free ATM near you.

How do I file a card dispute?

Before filing a dispute, contact the company who processed the item to resolve with them. They may require you to supply proof of the charge such as:

A receipt
A copy of your account history or
Statement

If you cannot reach a resolution with the merchant, you have 60 days from the statement date of which the transaction occurred to file a dispute.

For Debit Card disputes:

Visit a local financial center to fill out a dispute form or Contact Us to request a dispute form mailed.

For Credit Card disputes:

Contact Cardholder Services at 843-797-8300.
Visit a local financial center to fill out a dispute form.

After the dispute form is submitted:

The dispute form is forwarded to our card processor for investigation.
For Credit Cards, interest will not be charged on the amount disputed.
You may be contacted by our credit card processor through the mail if more information is required.
Follow all instructions on letters from the credit card processor promptly. If the forms are not completed and returned, the dispute will be closed.

Is there a difference between signing and using PIN for transactions?

Some merchants may require a signature (such as many restaurants), while others may offer you the option of 'Credit' or 'Debit/ATM' when processing your purchase.

If you select 'Credit', you will sign a receipt to authorize your purchase.
If you select 'Debit/ATM', you will use your PIN.

Benefits of signing for your purchases include:
(if you have Premium Checking) Earn 1 uChoose Reward point per every $5.00 you spend.
Protection under the Zero Liability Act

What should I do if my credit card is damaged?

For damaged credit cards:

Sign in to Online Banking.
Click on credit cards.
Click on Manage card.
Click on Replace card.

Can I use my card outside the U.S.?

Keep your cards open by informing us in advance

Remember to advise the Contact Center when your plans include travel outside the United States.

Call (843) 797-8300 (Charleston) or (800) 845-0432 (Nationwide) or visit a financial center.
With 7-10 days’ notice, we can open your credit and debit cards for international transactions.

How do I transfer funds from my credit card?

Transfers from your credit card, commonly known as a cash advance can be done in the following ways:

• Visit a local branch with your credit card to make a cash advance.
• Request convenience checks at a local financial center or Contact Us.

What can I do to protect my credit card information?

It is important to monitor your credit card statements on a monthly basis to ensure that they are correct and that there are no fraudulent charges on your account. There are many ways to help ensure that your information is safe:

Only buy from reputable online merchants.
Never disclose your credit card number to anyone that calls and asks for it.
If your contact information changes, contact us as soon as possible to have it updated. This ensures that we can notify you quickly if suspicious activity is suspected on your account.

How do I get a copy of my credit card statement?

Online:

Go to Online Banking
Click "Fiserv Online Account Management"
Click "Account Information"
Click "Account History"

How do I make a credit card payment?

We offer several options to make your credit card payments:

Log into Online Banking to transfer a payment.
Mail a payment to us.
Make payments at a financial center through a:
- Cash advance
- Personal check
- Certified check or money order
- Cash, or
Contact us to make a payment by phone.

Payments reflect on your credit card account within 2 business days after the payment has been made. ^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.

What is a finance charge and when does it occur?

A finance charge is determined by applying your monthly periodic rate to the average daily balance in a billing cycle.
Finance charges are charged on any amount of the “new balance” on your credit statement that is not paid by the due date printed on the statement.

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.

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