Phone Banking | Personal Banking | South Carolina Federal

Your accounts are always just a phone call away.

If you do not have an internet connection or WiFi, you can still check on your South Carolina Federal Credit Union accounts and connect with our team of local employees through Phone Banking. Receive help with any questions and account needs by speaking with someone Monday through Friday from 8:00 am to 6:00 pm, or use the automated system after hours.

Important Phone Numbers

Use these numbers to access Phone Banking.

(843)797-8300 (Charleston)
(803)738-8300 (Columbia)
(843)519-8300 (Florence)
(843)545-8300 (Georgetown)
(864)406-8300 (Greenville / Spartanburg)
(800)845-8355 (nationwide)

Manage Your Money

Check your balances, make loan or credit card payments, monitor transaction history, transfer funds from one South Carolina Federal account to another, and much more.

Frequently
asked questions

Can I change or add my number online?

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.

Can I transfer funds to my primary account using my phone with Text Banking?

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

Is it possible to set up text alerts?

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.

Is Text Banking secure?

Text Banking service is secure. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers.

Why do I need to verify my phone for Text Banking?

Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.

Are keywords case sensitive in Text Banking?

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

Will I be charged for Text Banking?

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.

Can I get the balances of my accounts with Text Banking?

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.

Can I come back later to enter my activation code?

Yes you can. If you experience difficulties, we recommend that you go through the setup process again and get a new code.

How do I deactivate the Text Message Banking?

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".

How do I enroll in Text Banking?

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".

How long does it take to get a text message?

You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.

I see my device in the “My Devices” tab, but am unable to change my Mobile Banking Service? How do I enroll in Mobile Banking/Text Banking?

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.

I share a joint account. Can I set up two phones for the same account?

No, only one phone number may be set up for one account.

I still have not received my activation code, what do I do?

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.

Is there any password needed for Text Message Banking?

You do not need a password to access your account information via text message.

What commands or keywords can be used for Text Banking?

Use any of the following commands/keywords:

BAL = Account balances
HIST + texting nickname (ex. HIST Checking) = Account history
STOP = Cancel
HELP = Help on keywords

What is the number I should use to send the keywords?

The short code is 898265. This short code will only work if you have activated the Text Message Banking Service.

Where do I find my activation code?

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.

Will Text Banking work on my phone?

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.

Your life is mobile. Your banking should be, too.

Our Mobile Banking app with convenient banking features makes it happen.

Mobile Banking