Online Banking

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.

No, keywords are not case sensitive. Example: You can type "help" or "HELP."

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.

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.

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

The easiest way to find your account number is by viewing your most recent statement.

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.

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.

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.

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. 

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.

Hover over each of the accounts to reveal additional details.

This is a reflection of Trends (also known as AllData PFM) updating your account information to provide timely information in the Trends area.

Please ensure that you have logged into Online Banking first using a computer and have enrolled by clicking on the "Mobile" tab.

Yes, you can access your accounts from any computer.

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.

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.

If your transaction was a deposit, it will have a "+" next to it. Your withdrawals will not have a symbol next to them.

Yes. Pending transactions are visible within 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.

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.

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".

Tap the Payments icon at the bottom of your screen. Then select the action you want.

No. Please contact us and we will help you with a principal-only payment.

Please add the following address:

Overnight Loan Payments
South Carolina Federal Credit Union
6265 Rivers Avenue
North Charleston, SC 29406

No. Click on "Back," then "Menu" to view transactions for a different account.

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.

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.

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."

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.

• 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)

Please ensure that you have logged into the desktop version of Online Banking before attempting to log into the Mobile App.

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.

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.

You cannot transfer funds via Text Banking; however, you can transfer funds using our Mobile App.

No. Please log into Online Banking from a computer to view your scheduled transfers.

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.

If you forget your User ID, please call our Contact Center 800-845-0432 for assistance.

If you are unable to access Online Banking, try using the Forgotten Password Reset feature.

You will be asked to enter:

• Your User ID.
• Select your phone and notification method.
• You will then be prompted to create a new password.

If you still unable to access Online Banking, you may be locked out.

To have your account reset:
Visit a local financial center or Contact Us.

Your account number can be found by clicking on the corresponding account in Online Banking, then select "Account Information".

Login to Online Banking to set up a text alert.  When you text "BAL" to 898265, we will reply with a message containing the balances of all your checking, savings and any other accounts.

If you forget your password, you can use the Forgotten Password Tool located just under the log-in area. This tool can also help you should your account be locked out due to too many invalid login attempts.

If you forget your User ID, please call our Contact Center (800-845-0432) for assistance.

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.

To discontinue eStatements/eNotices:
In Online Banking, click on desired account (i.e. savings or checking account tile)

• Click on "Statements".

• Click "Continue".

• Click "Settings".

• Click “Discontinue/Resume accounts”.

• Check the box under “Discontinue” and click "Submit".

EStatements/eNotices are now canceled and you will resume receiving paper statements through U.S. Mail. This affects ONLY eStatements/eNotices and DOES NOT affect your actual account access.

To resume eStatements/eNotices:
In Online Banking, click on desired account (i.e. savings or checking account tile)

• Click on Statements.

• Click "Continue".

• Click "Settings".

• Click "Discontinue/Resume accounts".

• Check the box under “Resume” and click "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. You will be notified by email when the next statement is available.

• 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.

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.