Make a Payment

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

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 (PDF) and Fee Schedule for details.

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.

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.

South Carolina Federal Credit Union
P.O. Box 62349
North Charleston, SC 29419-2349

A payoff quote is available for all loans and will include accrued interest and the daily per diem.

Auto, boat, recreational vehicle, credit cards or personal loans:

To obtain today's payoff or a 10 business day payoff quote:
• Visit a local financial center.
• Contact Us.
Any overage of your payoff will be deposited into your savings account or returned to you in an overpayment check.

First Mortgage:
Contact Dovenmuehle at (877) 636-9534
Second Mortgage/HELOC:

Fax payoff request to Fulfillment at (843) 737-7400. Request must include:

• Member Name.

• Member Social Security Number.

• Account Number.

• Payoff (good through) date.

• Return Fax Number.

• Copy of a signed authorization of release form from member requesting this information.

• Once payoff is given, Second Mortgage/HELOC will be locked and no advances can be taken.

Or visit a local financial center.

Loan payment due dates are generally 30-45 days from the loan closing date. The payment due date is  notated in your loan documents and agreed upon before disbursement of your loan. Due dates and loan payment amounts can also be viewed through Online Banking, Mobile Banking or statements.