Mobile Banking

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.

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.

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.

Mobile Banking and Mobile App will continue to use challenge questions to confirm your identity.

You need to register your mobile device in online banking.

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 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 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.

No, you will have to check the mobile app for the status of your remote deposit.

• Download the Direct deposit form here (PDF).
• Remote deposit via Mobile Banking.*
• Visit a financial center during business hours or through the night drop deposit box on the side of every financial center building.
• Deposit at any South Carolina Federal ATM.
• Mail it to us (please include your account number) at:
  South Carolina Federal Credit Union
  PO Box 190012
  North Charleston SC 29419-9012
• Phone transfer - call (800)845-0432 and make a money transfer through ACI Payments, Inc.
• Bank-to-bank wire transfer.