A Message to Our Members
From Scott Woods, President and Chief Executive Officer
SYSTEM UPGRADE
COMING 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.
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.
A MESSAGE FROM YOUR CEO
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
WHAT WILL CHANGE
- Account numbers.
- Joint account viewing.
- 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 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 usernames and passwords.
- Automatic deposits/payments.
- Checks.
- Account nicknames.
- Our routing number (253278401).
- Scheduled transfers and payments.
PREPARING FOR THE SYSTEM UPGRADE
OUR SYSTEM UPGRADE TAKES PLACE:
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. 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 |
|
|
|
| Contact Center |
|
|
|
| Online and Mobile Banking |
|
|
|
| Phone Banking |
|
|
|
| Debit and Credit Cards |
|
|
|
| ATMs (cash withdrawals) |
|
|
|
| ATMs (deposit & balance inquiries) |
|
|
|
ATMs will be accessible
ATMs will be accessible during the System Upgrade for withdrawals only. Keep in mind that after 6 p.m. ET on Friday, February 28, you will be unable to make deposits at our ATMs. Additionally, account balances displayed at ATMs after 6 p.m. ET on Friday, February 28 may not reflect the most recent activity and therefore will not be accurate.
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. ET. 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.
HERE’S WHAT YOU NEED TO DO TO BE READY FOR THE SYSTEM UPGRADE:
NOW
THROUGH THURSDAY, FEBRUARY 27
- Add the System Upgrade to your calendar.
- 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. To confirm that you are signed up to receive emails from us, you can visit any of our financial centers or call us at (800) 845-0432.
BEFORE
6 P.M. ET 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, after 6 p.m. on Friday, you will be unable to make deposits at our ATMs until after the System Upgrade is complete on Tuesday, March 4.
- Quicken, QuickBooks, or Mint users, download your transactions prior to 6 p.m. ET.
ON TUESDAY, MARCH 4
- Update your app. Update your Mobile Banking app to get the latest version.
- Log in to Online or Mobile Banking
- Set up or reestablish your desired alerts for your debit card, credit card, and account.
- Verify that your scheduled transfers and payments appear as you expect.
- Trouble logging in? If you are unable to log in to Online or Mobile Banking after the System Upgrade, call us for help at (800) 845-0432.
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.
Example
Here is an example of how your account numbers will change after the System Upgrade.
Even though your account number will change, you will not need to update your direct deposit, replace your debit or credit card, or order new checks.
If you need help with your new account number(s) after the System Upgrade, you can:
- Log in to Online or Mobile Banking. Click on an account on the Account Summary page, click “Details” and then click “Show Full Account Number.”
- Visit one of our financial centers.
- Look at your checks to find your checking account number — it is the middle number on the bottom of your checks.
- Look at your account card to find your checking account number — it is the number listed under Direct Deposit/Auto Draft. If you do not know your member number, it is listed on this card beside Account.
- Call us at (800) 845-0432.
CHANGES TO JOINT ACCOUNT VIEWING
AFTER THE SYSTEM UPGRADE, you will have a more comprehensive view of your accounts in Online and Mobile Banking.
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.We encourage joint owners who do not currently have an Online and Mobile Banking username and password to create their own on March 4.
ONLINE AND MOBILE BANKING VIEW BEFORE THE SYSTEM UPGRADE:
ONLINE AND MOBILE BANKING VIEW AFTER THE SYSTEM UPGRADE:
BUSINESS MEMBERS
Our business members play a vital role in our credit union.
If you have a business account with us, we are here to help you and your company successfully navigate our System Upgrade. There are some important things we want our business members to know before the System Upgrade, and there are a few things you will need to do to be ready.
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.
ONLINE BANKING
MOBILE BANKING
Update your mobile banking app to get the latest version.
NEW FEATURES AND FUNCTIONALITY
- 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 clicking “Transfer Accounts” then “Add Account” in the “Transfers” dropdown.
Submit a request to change or modify your direct deposit, request a wire transfer, submit a request to stop an ACH payment, or submit 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.”
When you log in to Online Banking, you can apply for a new or used auto loan or a credit card.
FRAUD PREVENTION
FRAUDSTERS ARE ALWAYS LOOKING FOR OPPORTUNITIES TO COMPROMISE YOUR ACCOUNTS.
Rest assured, we will maintain our normal security processes and protocols during our system upgrade, but it is important for you to stay vigilant about keeping your information secure.Please remember that before, during, and after our System Upgrade, an employee of South Carolina Federal will NEVER call you and ask you to give them any of the following information:
- Your account number
- Your Social Security number
- Your date of birth
- Your Online and Mobile Banking username or password
- Your debit card or credit card number
- Your PIN
- Secure codes sent to your phone or email
If you receive a phone call, text message, or email asking you for sensitive information like the examples given above, DO NOT provide any information, click on links, or engage in any way.
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 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.
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.
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.
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 top tips for preventing fraud!
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. ET. 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 have questions or need support 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. ET. 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.