Online Services
A service that enables you to access your account information, conduct transfers, and pay and manage your bill payments from any mobile device that has Web browsing capabilities and active data plan.
To update your security phone number in Online Banking, follow these simple steps:
- Click on "Settings".
- Click on "Security and Alerts".
- Click on "Identity Verification Phones".
- Enter your new phone number in the space provided.
- Enter your phone nickname.
- Select how you would like to receive notifications.
- Check the box indicating that you have read and agree with the Verification Alerts terms and conditions.
- Click "Save".
Please note that for security purposes you will be prompted with multifactor authentication when making this type of change to your account. You can choose to receive the one-time passcode via text message or phone call.
To update your security phone number in Online Banking, follow these simple steps:
- Click on "Settings".
- Click on "Security and Alerts".
- Click on "Identity Verification Phones".
- Enter your new phone number in the space provided.
- Enter your phone nickname.
- Select how you would like to receive notifications.
- Check the box indicating that you have read and agree with the Verification Alerts terms and conditions.
- Click "Save".
Please note that for security purposes you will be prompted with multifactor authentication when making this type of change to your account. You can choose to receive the one-time passcode via text message or phone call.
Follow these steps to change your password:
- Click on "Settings"
- Click on "Profile"
- Click on "Password"
- Enter your Current Password
- Enter your New Password
- Confirm your New Password
- Click "Save"
Please note that for security purposes you may be prompted with multifactor authentication when making this type of change to your account. You can choose to receive the one-time passcode via text message or phone call. Like all passwords, it is important to keep your Online Banking password confidential.
To change your email address in Online Banking, follow these simple steps:
- Click on "Settings".
- Click on "Profile".
- Click on "Phone Number & Email".
- Enter your new email address in the space provided.
- Confirm your email address.
- Click "Save".
Be sure to also update your email address for eStatements and in the MasterCard credit card tool, if applicable.
Please note that for security purposes you may be prompted with multifactor authentication when making this type of change to your account. You can choose to receive the one-time passcode via text message or phone call.
To change your postal address in Online Banking, follow these simple steps:
- Click on "Settings".
- Click on "Profile".
- Click on "Address".
- Update your address in the space provided.
- Click "Save".
Please note that for security purposes you may be prompted with multifactor authentication when making this type of change to your account. You can choose to receive the one-time passcode via text message or phone call.
You can find your Client ID under "settings" in Trends.
Log into Online Banking and click on "Trends." Please be patient, as it may take a few minutes for your information to properly load.
Trends is a tool that allows you to create and track budgets, add accounts from multiple financial institutions to get a birds-eye view of your financial picture, and more.
Yes, you can include a memo or note when completing an account to account transfer.
You have a few options. You can:
- Click "Transfers" from the navigation bar.
- Click on an account tile and click "transfer money".
- Drag the "from" account tile to the "to" account tile on the home page.
Under the Transfers tab, you can set up one time and recurring transfers in only a few clicks.
Please refresh your browser by clicking the refresh icon.
A recurring transfer will be something that starts in the future. If you would like to make a transfer that is effective today, you must do so in a one-time transfer. Then, you can set up recurring transfers for the future.
Hover over each of the accounts to reveal additional details.
Yes. Follow these steps within Online Banking:
- Click on "Mobile".
- Click on "Change my phone number" or "Stop using this device for Mobile Banking" and click "Go".
- Follow the steps accordingly.
You cannot transfer funds via Text Banking; however, you can transfer funds using our Mobile App.
Yes. Just click on "Settings," then "Security and Alerts," then "Alerts." From here you can set up a variety of different alerts. If you want us to send the alerts to your mobile phone, make sure that box is selected.
Text Banking service is secure. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers.
Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.
No, keywords are not case sensitive. Example: You can type "help" or "HELP."
We will not charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you are not sure what fees apply when you send and receive text messages.
Yes - when you text "BAL" to 898265, we will reply with a message containing the balances of all your checking, savings and any other accounts.
Yes you can. If you experience difficulties, we recommend that you go through the setup process again and get a new code.
You can text back STOP to 898265 on your activated cell phone, or you can follow these steps within Online Banking:
- Click on "Mobile".
- Choose "Change My Mobile Banking Services" from the drop down menu next to the corresponding device.
- Click "Go".
- Unselect "Text Messaging" from the services menu so that there is not a check mark in the box.
- Click "Continue".
Log into Online Banking by visiting https://online.scfederal.org:
- Click on "Mobile".
- Read and accept the Terms and Conditions.
- Select "Text Messaging" from the services menu and click "Continue".
- Select your time zone.
- Select the account(s) you wish to access through Mobile Banking and confirm their nicknames; click "Continue".
- Enter your mobile phone number; click "Continue".
- Enter the activation code we sent to your phone; click "Activate".
You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.
Click on "Add New Device" and walk through the steps with the phone number you could like to use for Mobile Banking/Text Banking. As a reminder, you can only set up one device per account.
No, only one phone number may be set up for one account.
It might take several minutes to receive your code. If you feel you have waited long enough, you can click the Resend it link. Please check your mobile device shortly for a new text message. If you are still experiencing problems, be sure you entered in the correct mobile number during setup.
You do not need a password to access your account information via text message.
Use any of the following commands/keywords:
BAL = Account balances
HIST + texting nickname (ex. HIST Checking) = Account history
STOP = Cancel
HELP = Help on keywords
The short code is 898265. This short code will only work if you have activated the Text Message Banking Service.
During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, please check your mobile device now. You should receive a text message with your activation code within a few minutes.
Yes, as long as you have text messaging enabled with your mobile carrier it will. Please check with your mobile carrier if you are unsure.
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.
All account numbers have been masked within Online Banking for your security.
This is a reflection of Trends (also known as AllData PFM) updating your account information to provide timely information in the Trends area.
You are not limited to the number of deposits you can make using Remote Deposit. However, there are daily and per item limits on the deposit amounts that can be processed per user. Members cannot deposit more than:
- $4,000.00 per item.
- $4,000.00 per day.
Log in using South Carolina Federal's Mobile App:
- Endorse your check and include "Mobile Deposit Only" on the back (Some checks have this printed on the back with a check box. If that is the case on the check you are depositing, simply check the box and endorse the check with your signature. If not, please do not forget to write it in. Unfortunately, the credit union will not be able to process checks that do not have the proper signature endorsement AND "Mobile Deposit Only" or the check box marked.)
- Tap "Deposits".
- Select "Deposit check".
- Select the account where you would like to deposit the funds.
- Enter the check amount.
- Take a picture of the front of your check (make sure to include all four corners of your check).
- Take a picture of the back of your check (make sure to include all four corners of your check and make sure you have endorsed it and written "Via Remote Deposit").
- Select "Next" once photos are accepted.
- You will be asked to confirm your deposit details before completing the deposit.
- Select "Yes".
Remote Deposit is free, beginning on acceptance of the Mobile Banking Terms and Conditions.
Through South Carolina Federal Mobile App:
- Close other apps running in the background.
- Plan to take your check photos in a well-lit area to avoid shadows.
- Place your check on solid dark backgrounds before taking your photos.
- Keep the check within the on-screen corners when capturing your photos.
- Keep your phone or tablet flat and steady above the check when taking your photos.
- Flatten folded or crumpled checks before taking your photos.
- Verify that the back of your check is signed (endorsed) and labeled "Via Remote Deposit."
- Make sure that the entire check image is visible and in focus before submitting your deposit.
- Confirm that the check amount entered matches the amount written on your check.
Check deposits are subject to verification and will generally be available for withdrawal within two (2) business days. South Carolina Federal reserves the right to hold the funds in accordance with the Funds Availability Policy Disclosure in your Account Agreement.
Once your check image has been credited to your account, you must retain the original check for sixty (60) days. You may not present the original check or any image or substitute check created from the original check for payment at any other financial institution. During this 60-day period, you must store the original paper check securely and you must make the original paper check available to us for review at any time and as necessary for us to facilitate the clearing and collection process, to address third party claims, or for our own audit purposes.
Remote Deposit offers you a secure, convenient way of depositing paper checks into your account remotely using our Mobile App with your iPhone™ or Android™ smartphone or tablet.
Remote Deposit is supported on mobile devices that meet the following criteria:
- Android or iPhone device.
- A 2MP or higher camera.
- Apple iOS 4.0 or later.
- Android 1.5 or up.
Check deposits made using Remote Deposit are subject to verification and will generally be available for withdrawal within two (2) business days. Once you reach the screen showing "Deposit Pending," the system has accepted your deposit. Next, the Remote Deposit Administrator will review your deposit and accept or deny it. You will not receive notification of this decision. You can review your deposit history in Online Banking or in the Mobile App to view the status of your deposit. To use the mobile app to determine if your Remote Deposit has been accepted, follow these steps:
- Log in to the mobile app (the same one you used to deposit the check).
- Go to Deposits.
- View Deposit History.
- Select Deposit in question.
- Status will display.
- In good standing.
- Mobile App users with a smartphone or tablet.
South Carolina Federal has the right to not approve, suspend or terminate your use of Remote Deposit at any time and without prior notice to you. Please see the Remote Deposit section of the Mobile Banking Terms and Conditions.
No, you will have to check the mobile app for the status of your remote deposit.
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.
To change your postal address in Online Banking, follow these simple steps:
- Click on "Settings".
- Click on "Profile".
- Click on "Address".
- Update your address in the space provided.
- Click "Save".
Please note that for security purposes you may be prompted with multifactor authentication when making this type of change to your account. You can choose to receive the one-time passcode via text message or phone call.
You may only add an account you own. To transfer money to another person, please visit the "Pay Bills" section of Online Banking and click on "Pay People."
Additionally, please ensure you go through all the steps to verify your email address and phone number before attempting to conduct an external transfer.
Click on any of the account tiles to view your transaction details. You will also find helpful links to transfer money, set alerts, account information, statements, stop payments, and export transactions.
- In Online Banking, click on desired account (i.e. savings or checking account tile).
- Click on "Statements".
- Click "Continue".
- Click "Account Statement" next to the desired statement date.
- Hover over the document until you see the printer icon appear.
- Click the printer icon.
- Click "Print".
- In Online Banking, click on one of your deposit accounts (i.e. savings or checking account tile).
- Click on "Online Statements".
- Click "Continue".
- Click "Account Notice".
- Click on "Settings".
- Click on "Security and Alerts".
- Click on "Security Questions".
- Choose security questions.
- Enter your answers in the space provided.
- Click "Save".
Please note that for security purposes you may be prompted with multifactor authentication when making this type of change to your account. You can choose to receive the one-time passcode via text message or phone call.
Any pending transactions such as direct deposit and debit purchases will appear as an "In Process Transaction" within Online Banking. It will continue to appear as "In Process" until the item has cleared or posted to your account.
When viewing your account from our app, click on "Deposit," then "Check Deposit History." From this tab you can view your accepted, pending, and failed check deposits.
Check deposits made using Remote Deposit are subject to verification and will generally be available for withdrawal within one (1) business day.
You need to register your mobile device in online banking.
If you are already registered for Bill Pay, simply click on the "Pay Bills" tab located in the main menu. Not registered for Bill Pay, simply:
- Click "Signup for payments" in the Make a Payment or Bill Pay widget, or
- Click on "Bill Pay" in the main menu.
- Click "Enroll Now".
- Verify the Account Holder Personal Information.
- Notify us if you change ANY INFORMATION in the Account Holder Personal Information section.
- Verify the Account Information.
- Select the "Funding Account" to pay online bills.
- Begin paying bills immediately.
To keep your Bill Pay account activated, pay a bill within 90 days or the account will become inactive. If this happens, contact us to have the account unlocked. If you are unable to set up your Bill Pay, or have any questions, please visit a local branch or contact us.
As a reminder, if you have Self-Service Checking, you may incur a monthly non-usage fee if you register for Bill Pay but do not use it to pay at least one bill each month. Please refer to current Truth-In-Savings Rate and Fee Schedule for details.
Credit Card Payments Only:
South Carolina Federal Credit Union
P.O. Box 2711
Omaha, NE 68103-2711
Loan Payment Mailing Address:
South Carolina Federal Credit Union
P.O. Box 62349
North Charleston, SC 29419-2349
First Mortgage Payments Only:
South Carolina Federal Credit Union
P.O. Box 660592
Dallas, TX 75266-0592Omaha, NE 68103-2711
Our members can view 180 days (6 months) of transactional history from their South Carolina Federal accounts.
- Click on one of your account tiles from the Online Banking home screen.
- Click "Online Statements".
- Scroll to the bottom of the page and click on the "Change Registration Information" link.
- When the options appear, click on "To discontinue or resume accounts" button.
- Check the box under "Resume" and hit Submit.
- Please read over the "SOUTH CAROLINA FEDERAL CREDIT UNION ELECTRONIC STATEMENT ("eStatements/eNotices") AND DISCLOSURE AGREEMENT" and click "Yes" or "No".
- If you click "Yes," you are signed up to resume eStatements/eNotices.
Your next periodic statement will be sent electronically and you will be notified by email when the next statement is available.
- 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.
You can set up text alerts on your account by logging into online banking, clicking on "Settings," then "Security and Alerts," then "Alerts." From here you can set up a variety of different alerts. If you want us to send the alerts to your mobile phone, make sure that box is selected.
Yes! Click here to enroll yourself in Online Banking. If you need help enrolling, feel free to call our Contact Center during normal business hours (Monday - Friday: 8:00 am - 6:00 pm) or stop by one of our financial centers and a credit union representative will be happy to assist you.
Our financial centers do not have public phone numbers. Please call our Contact Center (800-845-0432) and we'll be happy to help you.
Your accounts are displayed first by category, then by alphabetical order within the category. The category order is as follows: checking, loans and credit cards, savings, and investments.
The following settings and plug-ins are required to properly access Online Banking:
Configuration: Requirements
Cookies: Enabled (first-and third-party)
JavaScript: Enabled
Min. Screen Resolution: 1024 x 768 pixels
PDF Reader: Compatible1
Your Online Banking pages are supported by most modern browsers. In order to ensure the best possible experience, please be sure you are using the most up to date versions of the browsers listed below. Your browser will need both JavaScript and cookies enabled to access and operate within the site.
- Windows: Edge, Chrome and Firefox.
- MacOS: Chrome and Safari.
If you are not using one of the supported browsers listed above, you may encounter issues within your Online Banking experience. We recommend switching to one of the supported browsers listed above in order to ensure you have an optimal Online Banking experience.
Please ensure that you have logged into the desktop version of Online Banking before attempting to log into the Mobile App.
No. To view a complete list of your transactions, please view your account in Online Banking by visiting https://online.scfederal.org.
No. Please log into Online Banking from a computer to view your scheduled transfers.
When you select an account name link on the Accounts tab, up to 10 transactions display.
Within the Transaction History page, the payee name is listed (e.g., Target) along with the date, and amount.
No. This is an intended feature of our Mobile app for your security and protection. You will have to log in each time you switch screens.
Five minutes is the only timeout option. For your security and protection, when there has been no account activity for five minutes, the session times out and display the Mobile Banking log in page with a Session Expired message.
This is an enhanced security feature of Online Banking 2015.
No, your challenge answers are not case sensitive (e.g., Pine is the same as pine). However, they must be in the same format that was originally used (e.g., 1/2/15 is not the same as 01/02/2015 or Jan 2, 2015). Try to select answers that only you know and ones that you should be able to remember.
Yes. To protect your privacy, you are required to authenticate yourself, using the same information from Online Banking, on each individual mobile device. And all communication between your mobile device, wireless provider and the mobile banking server are encrypted. In addition, your passwords, answers to challenge questions and account information are never stored by the mobile device or in the Mobile Banking application.
Yes. Pending transactions are visible within the Mobile App.
Yes. From your mobile device, all you need to do is login to Mobile Banking the same as you would Online Banking, using the same log-in information you do for Online Banking. No separate Mobile Banking sign-up is required.
To enroll in mobile banking:
- Click on "Mobile" in the navigation bar
- Read and agree to the Terms and Conditions for Mobile Banking
- Select the accounts you want to have access to through Mobile Banking (from the Mobile menu, click "My Accounts")
- Click "Continue"
- Select your time zone
- Select the account(s) you wish to access through Mobile Banking and confirm their nicknames; click "Continue".
- Enter your mobile phone number; click "Continue"
- Enter the activation code we sent to your phone; click "Activate"
Tap the Payments icon at the bottom of your screen. Then select the action you want.
Mobile Banking from South Carolina Federal Credit Union is free for members, but you are required to subscribe to a data plan through your wireless provider. You should check with your wireless provider if you aren't sure whether additional fees might apply.
Sorry, not at this time. You must access Online Banking using a personal computer, find the "Pay Bills" button and enroll there. Chances are you automatically registered for Bill Pay when you signed up for Online Banking. If so, all you need to do is set up one or more payees (people or companies you want to pay) to get started.
The Bill Pay tab is only enabled for users that have signed up for Bill Pay within the Online Banking on a personal computer and have set up one or more payees (people or companies you want to pay). When you are ready to make payments on your phone, selecting the Bill Pay option will open the Make a Payment page.
No. Click on "Back," then "Menu" to view transactions for a different account.
Please ensure that you have logged into Online Banking first using a computer and have enrolled by clicking on the "Mobile" tab.
For help regarding South Carolina Federal's Mobile Banking product, contact us by phone 843-797-8300 (Charleston) or 800-845-0432 (Nationwide) or contact us. For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.
When you are ready to log out, just select More at the bottom of your screen, then select "Log Out".
From a mobile device with Web browsing capabilities and an active data plan, all you have to do is open a browser and enter South Carolina Federal Credit Union's URL, scfederal.org to access mobile banking home page. Enter your user ID and password - the same you use for Online Banking - and select the Log In button. No separate or different registration is required. Answer any additional security questions - then select the Continue button to access Mobile Banking. Once logged in, you can:
- Access Your Accounts—the Mobile Banking experience is virtually the same as online banking, although on a smaller screen.
- Pay Bills—you must first register and set-up your payees / billers on a PC before utilizing bill payment through Mobile Banking.
- Make Transfers—you must have more than one account on Online Banking for this functionality to be available on Mobile Banking.
Yes. You can access Mobile Banking from any of your mobile devices, as long as the mobile device has Web browsing capabilities and active data plan through a wireless carrier.
For Mobile Banking to work, you must have a mobile device with Web browsing capabilities and active data plan through a wireless carrier.
Mobile Banking is available to all users that own mobile devices with Web browsing capabilities and that subscribe to a data plan through their wireless carrier. Please note that you must have an Online Banking login and password to use Mobile Banking.
The service works on all major mobile providers in the U.S., including but not limited to:
- AT&T
- T-Mobile
- Verizon Wireless
Our app needs access to the following information on your mobile phone for the following reasons:
- Location: The app uses the phone's GPS when searching for ATM or financial center location.
- Phone: The support number is in the app under terms and conditions. This permission allows the app to access the phone to make a call.
- Camera/Microphone: The camera is used for mobile deposit transactions.
- Wi-Fi connection information: Wi-Fi helps with connectivity.
Your cross-accounts will display within Mobile Banking if you have cross-account set up on your accounts. Additionally, you can still access your other accounts by logging out of one account, and logging into another account. Although you may transfer funds to those accounts, the balances are not available to view.
Please note that you will only be able to log into one account per mobile phone, unless you are accessing your accounts from an iPad or using the browser-based mobile tool.
Yes. However, IOS 6.0 or higher is required.
Mobile Banking will work on any mobile device with web browsing capabilities and an active data plan through a wireless carrier.
No. Please contact us and we will help you with a principal-only payment.
In Online Banking, click on desired account (i.e. savings or checking account tile)
- Click on "Statements".
- Click "Continue".
- Click "Tax Form" to view your tax forms OR click "Other Documents" to view your other documents.
- Click on the account tile you could like to receive eStatements for on the Online Banking home screen.
- Click "Online statements" and then "Continue."
- Click "Register" to begin the eStatement registration process.
- Enter your contact information and click "Next."
- Review the eStatement and Disclosure Agreement and if you accept the terms and conditions contained with the Agreement, click the checkbox at the bottom of the page and click "Finish."
You will receive an email confirming your eStatement registration and your account will be activated for eStatements shortly.
You will only be able to view eStatements for the account that you are signed into on Online Banking.
If you are having problems accessing eStatements/eNotices, it may be because of recent changes to your operating system software, such as upgrades or downloads. This can affect your computer's ability to connect with a secure site. We recommend upgrading to the most recent version of your preferred browser.
You may be asked to provide additional information such as answers to challenge questions when making transfers. This is a security measure to ensure that you are authorizing the transfer.
Yes - please follow that country's rule for how to enter your phone number and ensure that your phone is supported in that country.
- For Guam/Puerto Rico use: +1 and the phone number.
- For all other countries use: + and the international phone number.
You will be prompted to sign up when you log into Online Banking. Follow the instructions to enroll your computer by providing the information requested.
Mobile Banking and Mobile App will continue to use challenge questions to confirm your identity.
To meet the suggested guidance of the Federal Financial Institutions Examination Council and to further protect your Online Banking experience.
Yes, you can access your accounts from any computer.
If you are using Online Banking via a desktop, you'll receive it either by text or voice call. If you are using Online Banking via the mobile app, web-based app, or mobile banking site, you'll be prompted to answer challenge questions.
You may have up to five security phones on your account.
You will be prompted for your username and password, as usual. In addition you will be required to provide information that enables us to send you a One-Time Use Passcode (OTP). You will need to have a phone on hand. We recommend that you enroll your personal mobile phone. Enrolling a phone number that is shared with others is not recommended.
Enhanced Multifactor Authentication (EMFA) is a new way of authenticating a person's identity when logging into Online Banking. EMFA means two different types of authentication must be passed—your password and a Onetime Use Passcode (OTP). By using two different factors of authentication, we get a higher assurance that you are the correct intended user.
Yes, each separate login requires you to go through the enhancement process.
If your transaction was a deposit, it will have a "+" next to it. Your withdrawals will not have a symbol next to them.
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.
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".
- Click on "Settings".
- Click on "Profile".
- Click on "User ID".
- Enter your new User ID.
- Confirm your new User ID.
- Click "Save".
- 843-797-8300 (Charleston)
- 803-738-8300 (Columbia)
- 843-519-8300 (Florence)
- 843-545-8300 (Georgetown)
- 864-406-8300 (Greenville / Spartanburg)
- 800-845-0432 (Nationwide)
Yes, if you have cross-account access set up. If you would like to set up cross-account access, please visit a local financial center or Contact Us.
If you are already registered for Bill Pay, simply click on the "Pay Bills" tab located in the main menu. Not registered for Bill Pay, simply:
- Click "Sign up for payments" in the Make a Payment or Bill Pay widget, or
- Click on "Bill Pay" in the main menu.
- Click "Enroll Now".
- Verify the Account Holder Personal Information.
- Notify us if you change ANY INFORMATION in the Account Holder Personal Information section.
- Verify the Account Information.
- Select the "Funding Account" to pay online bills.
- Begin paying bills immediately.
To keep your Bill Pay account activated, pay a bill within 90 days or the account will become inactive. If this happens, contact us to have the account unlocked. If you are unable to set up your Bill Pay, or have any questions, please visit a local financial center or Contact Us.
Please add the following address:
Overnight Loan Payments
South Carolina Federal Credit Union
6265 Rivers Avenue
North Charleston, SC 29406
You can change or cancel any payment that has not started processing. To change a payment:
- Click "Change" next to the payment you want to change.
- The "Change Payment" page opens.
- Enter the changes you want to make. You can change:
- Date you want the biller to receive the payment.
- Amount of the payment.
- Account from which to make the payment.
- Click "Save Changes".
- A message informs you that your changes have been made.
- Click "Finished" to return to the Payment Center.
If you change a payment that is part of an automatic payment schedule, only the selected payment is changed. You did not change any future payments in the payment schedule. To change all payments in an automatic payment schedule, go to Manage My Bills and change the automatic payment. To cancel a payment:
- Click "Cancel" next to the payment you want to cancel. The Cancel Payment page opens.
- Click "Cancel Payment".
- A message informs you that your payment has been canceled.
- Click "Finished" to return to the Payment Center.
Canceled payments will appear in the Recent Payments section of the Payment Center and in the Bill History. If you cancel a payment that is part of an automatic payment schedule, only the selected payment is canceled. You did not cancel any future payments in the payment schedule. To cancel all payments in an automatic payment schedule, go to Manage My Bills and delete the automatic payment.
To determine if the payment has been sent, within Bill Pay:
- Look for the payment to move from the Pending Payments section to the Recent Payments section.
- If the payment was processed normally, you will see the amount of the payment.
- If you canceled the payment, or if it failed during processing, you will see the status of the payment.
You can also check the status of the payment in Bill History:
- If the status is Paid, the payment has been sent to the biller.
- In some cases, you may see the date when the biller posted the payment to your account.
Utilize Bill Reminders:
- You can select an option to receive an e-mail message when the payment is sent.
- The message contains any posting information that the biller sends us.
- You can always contact your biller directly regarding payments to your account.
You can pay anyone in the United States that you would normally pay by check or automatic debit. You can pay large companies and small companies, as well as individuals such as child care providers or a family member.
When you pay a bill, Bill Pay sends the payment electronically whenever possible. If the company or person cannot receive electronic payments, Bill Pay will print a check from your account and send it to the address you provide. Changing the Biller - If you made a payment to the wrong biller, you can cancel the incorrect payment and make another one to the correct biller.
Changing the Account - You can only change the payment account to another confirmed account. You cannot change the payment account to an unconfirmed account.
Changing a Processed Payment - If the payment has started processing, or if the status is Paid, call the biller's customer service. For more information, see the FAQs for Managing Payment Problems.
Once you've logged into Online Banking, follow these steps to add account nicknames:
- Click on "Settings"
- Click on "Accounts"
- Select the account you want to nickname
- Enter your account nickname
You will see the available balances for each of your deposit accounts (checking, savings, etc.). You will see current balances for each of your loan products (credit cards, auto loans, etc.) and certificates.
Your current balance is the amount of money in your account at the beginning of a business day. This amount does not include any pending deposits or withdrawals.
Your available balance is your current balance minus any pending debit card transactions and any holds.
To view both your available and current balance, click on the account tile for the corresponding account and click "Account Info."
Your accounts from other member numbers will display within Online Banking if you have cross-account access set up on your accounts. Please visit your financial center for more information about cross-account access. Additionally, you can still access your other accounts by logging out of one account, and logging into another account.
You may also access your other accounts by utilizing the Mobile Banking website. To get the link to the Mobile Banking website, follow these steps within Online Banking:
- Click on "Mobile".
- Click on "Get a link to the Mobile Banking website" from the drop-down menu.
- Click "Go".
The link to the Mobile Banking website will be sent to your selected mobile device.
Please note that you will only be able to log into one account per mobile phone, unless you are accessing your accounts from an iPad.
To update your security phone number in Online Banking, follow these simple steps:
- Click on "Settings".
- Click on "Security and Alerts".
- Click on "Security Questions".
- Choose security questions.
- Enter your answers in the space provided.
- Click "Save".
Please note that for security purposes you may be prompted with multifactor authentication when making this type of change to your account. You can choose to receive the one-time passcode via text message or phone call.
If you forget your username, you need to call the Contact Center at:
843-797-8300 (Charleston)
803-738-8300 (Columbia)
843-519-8300 (Florence)
843-545-8300 (Georgetown)
864-406-8300 (Greenville / Spartanburg)
800-845-0432 (Nationwide)
If you forget your password, click on "I forgot my password" and follow the steps. If you are still unable to log in, please call our Contact Center for assistance.