Help & FAQs

Find the answers you need to the questions you have – anytime.
When you have questions about your South Carolina Federal Credit Union accounts or our products and services, start here. We compiled the questions we receive most frequently from members so you can quickly find valuable information. If you need more assistance, please contact us. We are always happy to help.

You can also access several self-service forms to take care of business on your own.

FAQ results for "outside the us"

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My card could not be verified. What do I do next?
Please call us during business hours at (800) 845-0432 so that we can assist you.
What is the Quick Links button in the top right corner of every page?
This menu gives you quick and easy access to the pages and information people most commonly need. These "Quick Links" include direct links to the following pages: about us, appointments, loan payments, financial wellness, rates, security, digital banking, and help and FAQS.
Can I schedule an appointment for today or tomorrow?

We want to make sure you have an outstanding experience with your appointment. To do that, we ask that appointments are scheduled at least one hour in advance to give our representatives an opportunity to prepare for your appointment. If your need is more urgent, please call us or visit any one of our Financial Centers and we would be happy to help you. Members without an appointment are served on a first-come first-served basis.

How do I change my user ID?
If you are able to log into Online Banking, follow these steps to change your username:
  • Click on "Settings."
  • Click on "Profile."
  • Click on "User ID."
  • Enter your new User ID.
  • Confirm your new User ID.
  • Click "Save."
If you are unable to log into Online Banking but would like to change your user ID, please visit a financial center or contact us.
Can I open a Share Certificate on my business account?

We offer certificates, available on business accounts:

  • Regular certificates are opened with a minimum of $500.

  • Jumbo certificates are opened with a minimum of $50,000.

  • Terms range from 3 months to 60 months.

  • Rates are subject to change at any time and vary based on your balance and term.

Click here to learn more about our Share Certificates rates.
To open a certificate now, visit a local financial center or contact us.

What information is needed to apply for an auto loan?

For all loan requests you will be asked to provide personal information:

  • Name of each applicant
  • Physical address (P.O. Box does not apply)
  • Length of time at address
  • Phone number
  • E-mail address
  • Social Security number
  • Date of birth
  • Income information
  • Name of current employer
  • Employer's address and phone number
  • Length of employment
  • Salary
  • Position held
  • Other applicable income (for example, retirement and/or pension)
  • Current mortgage or rent obligations
  • Name and phone number of nearest relative not living with you
  • Loan application purpose
  • Collateral information, if applicable.

Click here for more information about the loans we offer, or visit a local financial center or contact us. 

How can I accept debit and credit card processing at my business?

We work with Clover® Business Solutions to give our member’s the ability to accept debit and credit cards as forms of payment. Funds are deposited directly into the business checking account within 72 hours of the transaction. All major cards are accepted.
Click here to learn more about card processing or contact us to get started and a Clover® representative will contact you regarding your application and answer any additional questions you may have.

What information is needed to apply for a loan?

For all loan requests you will be asked to provide personal information:

  • Name of each applicant
  • Physical address (P.O. Box does not apply)
  • Length of time at address
  • Phone number
  • E-mail address
  • Social Security number
  • Date of birth
  • Income information
  • Name of current employer
  • Employer's address and phone number
  • Length of employment
  • Salary
  • Position held
  • Other applicable income (for example, retirement and/or pension)
  • Current mortgage or rent obligations
  • Name and phone number of nearest relative not living with you
  • Reason for loan application

Click here for more information about the loans we offer, or visit a local financial center or contact us.

What is my loan payoff amount?

A payoff quote is available for all loans and will include accrued interest and the daily per diem.
To obtain today's payoff or a 10 business day payoff quote for auto, boat, recreational vehicle, credit cards, or personal loans, visit a financial center or contact us. Any overage of your payoff will be deposited into your savings account or returned to you in an overpayment check.

For first mortgages, please contact Dovenmuehle at (877) 636-9534.

For second mortgages/HELOCs, please visit a financial center or fax your payoff request to our Fulfillment Operations Team at (843) 737-7400. The 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, personal access line of credit loans and HELOCs will be locked and no advances can be taken.

What should I do if my debit or credit card is lost or stolen?
For lost or stolen debit cards, please choose from the following options:
  • Turn your card off and report it as lost or stolen using Online or Mobile Banking1. Simply log in, click on "Manage Cards" in Online Banking or "Cards" in Mobile Banking. You may be prompted to call us.
  • Call Cardholder Services at (800) 472-3272.
  • Visit a financial center to receive a card instantly issued.
Once your card has been cancelled, a new one will be mailed to you in 7-10 business days. Please check your account to ensure there are no unauthorized transactions.

For lost or stolen credit cards, please choose from the following options:
  • Turn your card off/on and report it as lost or stolen using Online or Mobile Banking1. Simply log in, click on "Manage Cards" in Online Banking or "Cards" in Mobile Banking, and follow the prompts to close your credit card and request a new one.
  • Or for your Mastercard® Platinum or Mastercard® Cash Rewards credit cards, please call  (855) 325-0904. For your Mastercard® World credit card, call (855) 510-4594.
Once your card has been cancelled, a new one will be mailed to you in 7-10 business days. Please check your account to ensure there are no unauthorized transactions.
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