Help & FAQs

To place a stop payment through Online Banking:

• Login into Online Banking.

• Click on the corresponding checking account tile.

• Click on "Stop payments".

• Enter the check number (or range of check numbers) to be stopped, check date, amount, and reason 

• Click "Review".

A stop payment fee will be assessed to your account; please refer to the Rate and Fee Schedule. You may also Contact Us to place a stop payment. Stop Payments are not guaranteed because some merchants may process payments using electronic methods. Stop Payments are in effect for 180 days.

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:

1. Premium Courtesy Pay - Attempts to cover all items (ACH, Checks, one time debit card and ATM transactions).

2. Standard Courtesy Pay - Attempts to cover Checks, ACH, and Online Bill Pay only.

3. 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.

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.

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.

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.