Help & Frequently Asked Questions | South Carolina Federal

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System Upgrade coming February 28 – March 3.

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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.

Why is South Carolina Federal doing the System Upgrade?

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.

Why will the System Upgrade take several days?

The upgrade takes several days as there are many detailed steps and processes we must undertake in order to complete the upgrade. We have to capture all of the data from our old system, transfer it to the new system, and ensure everything appears correctly. 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 disruptions.

Will my debit and credit cards work during the System Upgrade, and will I be able to access my accounts and funds?

Yes. You will have access to your accounts to make purchases and withdrawals using your debit and credit cards during the System Upgrade. Some products and services — such as Online and Mobile Banking and ATM deposits – will be unavailable during that time. Click here to view this important chart to learn more about account access and service availability throughout the upgrade.

What happens if I am scheduled to receive a direct deposit during the System Upgrade?

Any direct deposits received before 6 p.m. ET 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. ET on Friday, February 28 will be deposited into your account by close of business on Monday, March 3.

Will my account and financial information stay secure during the System Upgrade?

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 top tips!

What do I do if I need help during the weekend of 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. ET to answer questions. Please note that during the System Upgrade, we will not be able to perform transactions, provide balance updates, or make any changes to your account.

Will my debit card or credit card number change? What about my PIN?

No. Your debit and credit card numbers will remain the same, and your PIN will not change.

Will my Online and Mobile Banking username or password change?

No. You will use your existing username and password to log in to Online and Mobile Banking. If you had multiple Online and Mobile Banking profiles and you are not sure which credentials you should use to log on, check out our Online and Mobile Banking tips.

Will I need to download a new Mobile Banking app?

No. Simply update your Mobile Banking app to get the latest version.

Can I use my current checks after the System Upgrade? Will I need to order new ones?

Yes, you can still use your current checks after our System Upgrade is complete. You will not need to order new checks.

Will my direct deposit and recurring payments still work after the System Upgrade?

Yes. There will be no impact to your direct deposit or recurring payments.

Will I lose access to my account history?

No. You will have access to 12 months of account history.

Will my loan payment due dates change?

No. The due dates for your loans will remain the same.

Why are you changing my account number?

We have updated our account number structure to individualize each of your account numbers.

Will South Carolina Federal’s routing number change?

No. Our routing number will remain the same (253278401).

Online Banking Video Library

Learn about our Mobile app, Online Banking⁵All of our Digital Banking products require an Online Banking login, and in some cases, enrollment into Bill Pay. Terms and conditions are available through Online Banking and must be agreed to before use. Mobile Banking products also require a data plan with a wireless provider. South Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates., and more.