SYSTEM UPGRADE

New Look. Better Banking. LIFE SIMPLIFIED.

Member Guide

Mark your calendars
Add the System Upgrade to your calendar to help you remember the date.
Verify your information
Give us a call to ensure that we have your correct contact information, including your mailing address, phone number, and email address.
Check your emails

Make sure you are signed up to receive emails from us.

Follow us on social media

We will also post system updates on Instagram and Facebook.

Table of Contents
  • A Message from Your CEO 
  • What’s Changing and What’s Not 
  • Preparing for the System Upgrade 
  • Account Number Changes 
  • Changes to Joint Account Viewing 
  • Business Members 
  • New Online and Mobile Banking 
  • Online and Mobile Banking Tips 
  • Fraud Prevention
  • FAQs & Support 
A MESSAGE FROM YOUR CEO
South Carolina Federal community…Screenshot-2024-12-17-161434.png

South Carolina Federal Credit Union is continuously working to make your banking experience as convenient and seamless as possible. We are excited to announce that we will be undergoing a System Upgrade February 28 through March 3, 2025 to provide you with the latest banking technology.

 
WHAT’S CHANGING AND WHAT’S NOT

OUR SYSTEM UPGRADE

FEB 28-MAR 3 Our system upgrade affords us the opportunity to streamline how you bank, making it even easier to navigate and manage your accounts. We’ve worked hard to ensure that many aspects of your banking experience remain the same, but there will also be some important changes for you to note. Let’s dive in to what’s changing and what’s not.

WHAT WILL CHANGE
  • Account numbers. 
  • Joint account access. 
  • Online and Mobile Banking. 
  • New service request options in Online and Mobile Banking.
  • Transfer money to another South Carolina Federal member via Online and Mobile Banking.
  • Member statements. Your member statement will look the same as it does today, though some of the transaction information will be presented in a new format.
  • Quarterly member statements. Moving forward, all member statements will be delivered monthly.
  • New option for email receipts in financial centers.
WHAT WILL STAY THE SAME
  • Debit and credit cards
  • Online and Mobile Banking username and password
  • Automatic deposits/payments
  • Checks
  • Account nicknames
  • Our routing number (253278401)
  • Scheduled transfers and payments
PREPARING FOR THE SYSTEM UPGRADE

 

FRIDAY, FEBRUARY 28 – MONDAY, MARCH 3

OUR SYSTEM UPGRADE TAKES PLACE FRIDAY, FEBRUARY 28 – MONDAY, MARCH 3: During our System Upgrade, we expect your banking experience to be similar to how it is today, but we need to make you aware of a few services that will not be accessible. We understand that your ability to manage your accounts will be impacted during this time, and we apologize for any inconvenience. Check out our important chart below that outlines service availability from February 28 – March 4.

SERVICE AVAILABILITY DURING THE SYSTEM UPGRADE

 
Friday
February 28
Saturday - Monday
March 1-3
Tuesday
March 4
Financial Centers
 
Available
 
Unavailable
 
Available
Contact Centers
 
Available
 
Unavailable
 
Available
Online and Mobile Banking
 
Available until 7 p.m.
 
Unavailable
 
Available until 7 p.m.
Debit and Credit Cards
 
Available
 
Available
 
Available
ATMs
 
Available
 
Available
 
Available
Phone Banking
 
Available until 7 p.m
 
Unavailable
 
Available until 7 p.m.
Scfederal.org
 
Available
 
Available
 
Available
 
To provide you with extra assistance
To provide you with extra assistance during the System Upgrade, our Contact Center will be open Saturday, March 1, Sunday, March 2, and Monday, March 3 from 8 a.m. to 6 p.m. to answer questions. Please note, they will not be able to perform transactions, provide balance updates, or make any changes to your accounts.
ATMs will be accessible
ATMs will be accessible during the System Upgrade for withdrawals and deposits. Keep in mind that after 6 p.m. on Friday, February 28, any deposits made at an ATM will be received, but will not be reflected on your account until March 4. Additionally, account balances displayed at ATMs after 6 p.m. on Friday, February 28 may not reflect the most recent activity and therefore will not be accurate.
WHAT DO YOU NEED TO DO TO BE READY FOR THE SYSTEM UPGRADE?
NOW
THROUGH THURSDAY, FEBRUARY 27
  • Add the System Upgrade to your calendar to help you remember the date.
  • Verify that we have your correct contact information, including your mailing address, phone number, and email address. You can verify your contact information by logging into Online or Mobile Banking, giving us a call, or visiting one of our financial centers.
  • Follow us on social media and make sure you are signed up to receive emails from us so you stay up-to-date about the System Upgrade.
BEFORE
6 P.M. ON FRIDAY, FEBRUARY 28
  • Check your account balances and make note of them, as you will not be able to check them again until Tuesday, March 4, when the System Upgrade is complete.
  • Schedule or make any changes to previously scheduled transfers, payments, or bill payments, as you will be unable to log in to Online or Mobile Banking until Tuesday, March 4.
  • Make any ATM deposits as soon as possible. Keep in mind, deposits made at an ATM after 6 p.m. on Friday will be received but not reflected on your account until after the System Upgrade is complete on Tuesday, March 4.
  • Quicken, QuickBooks, or Mint users, download your transactions prior to 6 p.m.
ON
TUESDAY, MARCH 4
  • Update your Mobile Banking app to get the latest version.
  • Log in to Online or Mobile Banking and:
    • Set up or reestablish your desired debit card, credit card, and account alerts.
    • Verify that your scheduled transfers and payments are appearing normally.
  • If you are unable to log in to Online or Mobile Banking after the System Upgrade, call us for help.
ACCOUNT NUMBER CHANGES

We have updated our account number structure

As part of the System Upgrade, we have updated our account number structure to individualize each of your account numbers.
Here is an example of how your account numbers will change after the system upgrade.
Screenshot-2024-12-17-151138.png
If you need help with your new account number(s) after the System Upgrade, you can:
  • Log in to Online and Mobile Banking.
  • Visit one of our financial centers.
  • Look at your checks to find your checking account number — it is the number on the bottom middle of your checks.
Screenshot-2024-12-17-181304.png
PLEASE NOTE
Even though your account numbers will change, you will not need to replace your debit or credit card or order new checks.
CHANGES TO JOINT ACCOUNT VIEWING
After the System Upgrade, you will have a more comprehensive view of your accounts in Online and Mobile Banking.
MARCH 4
JOINT ACCOUNT VIEW
Beginning March 4, you will see all accounts that you are listed on as an owner, including joint accounts, under one Online and Mobile Banking login. That means if you share your Online Banking username and password with someone, they will also see all of these accounts.

Joint owners who do not currently have an Online and Mobile Banking username and password may create their own. 
ACCOUNT VIEW
CHANGES

Today's account view: 
Screenshot-2024-12-17-151912.png
Account view after the system upgrade: 

Screenshot-2024-12-17-151733.png
BUSINESS MEMBERS
If you have a business account with us, we are here to help you and your company navigate our System Upgrade successfully.
NEW ONLINE AND MOBILE BANKING
Our System Upgrade includes a new Online Banking platform and Mobile Banking app.
Beginning March 4, you will enjoy a clean, modern look and new features that help make banking with us even easier! The best part is that you do NOT need a new username or password to log in! Let’s take a sneak peek…
ONLINE BANKING
To log in, visit scfederal.org and click “Login” in the upper right corner the same way you do today. Once logged in, you will be greeted with a new look and feel.
MOBILE BANKING
Update your mobile banking app to get the latest version. Here’s a sneak peek of the new Account Summary screen.
NEW FEATURES AND FUNCTIONALITY
  • Helpful Widgets
    • Quick Transfer: You will now be able to quickly transfer between your accounts using the Quick Transfer widget on the Account Summary page.
    • Payments: Make payments in a snap using the Payments widget available on the Account Summary page.
  • Transfer to other South Carolina Federal members by XYZ.
  • New service request options, such as changing or modifying your direct deposit, requesting a wire transfer, stopping an ACH payment, or submitting a name change request.
  • Transfer to and/or from accounts you have at other financial institutions at no charge from us by clicking “Transfers” and then “External Transfers.”
  • Apply for a new auto loan or credit card.
ONLINE & MOBILE BANKING TIPS
Get the most out of the new digital banking experience.
FREQUENTLY ASKED QUESTIONS
Technology is continuously evolving, especially within the financial services industry. We are upgrading our system to ensure we continue to provide the highest level of account security and member service. 
The upgrade takes several days as there are many detailed steps and processes we must undertake in order to convert one system to the other. We have to capture all of the data from our old system, transfer it to the new system, and ensure everything appears correctly in the new system. We will also connect the new system to all of the ancillary services we use to maintain and service your accounts. During the System Upgrade, we also perform significant testing to ensure our new system is functioning as intended, which helps minimize service disruption.
Yes. You will have access to your accounts to make deposits, purchases, and withdrawals using your debit and credit cards during the System Upgrade. Some products and services — such as Online and Mobile Banking – will be unavailable during that time.
 
  Friday
February 28		 Saturday - Monday
March 1-3		 Tuesday
March 4
Financial Centers

Available

Unavailable

Available
Contact Centers

Available

Unavailable

Available
Online and Mobile Banking

Available until 7 p.m.

Unavailable

Available until 7 p.m.
Debit and Credit Cards

Available

Available

Available
ATMs

Available

Available

Available
Phone Banking

Available until 7 p.m

Unavailable

Available until 7 p.m.
Scfederal.org

Available

Available

Available
Any direct deposits received before 6 p.m. on Friday, February 28 will be deposited into your account that day, including credits that are future-dated. Any direct deposits sent after 6 p.m. on Friday, February 28 will be deposited into your account by close of business on Monday, March 3.
We will maintain all of our security protocols during the System Upgrade to help keep your accounts and financial information secure. We encourage you to be extra vigilant about protecting your sensitive information during this time. Check out our Online and Mobile Banking tips!
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IF YOU HAVE QUESTIONS OR NEED SUPPORT DURING THE SYSTEM UPGRADE, YOU CAN:

CALL US.
Our Contact Center will be open Saturday, March 1, Sunday, March 2 and Monday, March 3 from 8 a.m. to 6 p.m. Call us at (800) 845-0432 and a team member will be happy to answer questions. Please note that we will not be able to perform transactions, provide balance updates, or make any changes to your accounts.

IF YOU NEED ANY ASSISTANCE OR SUPPORT FROM US BEFORE OR AFTER THE SYSTEM UPGRADE, YOU CAN:

CALL US
Our Contact Center is open Monday – Friday from 8 a.m. to 6 p.m. Call us at (800) 845-0432.
VISIT US
To locate the Financial Center nearest you, visit scfederal.org/branches-atms.
EMAIL US.
Send us a message. Please note that email is not a secure form of communication, so please do not include any sensitive account information.
CHAT US.
Click the chat icon in the lower right-hand corner of our website. Team members are available to assist you during normal business hours.