South carolina federal credit union 24 hour customer service

South Carolina Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (1-800-845-0432). All products and services available on this website are available at all South Carolina Federal financial centers.

South Carolina Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (1-800-845-0432). All products and services available on this website are available at all South Carolina Federal financial centers.

Frequently Asked Questions(FAQs)

Are there any transaction fees for using my debit card?

How do I file a card dispute?

How do I order a debit card?

How do I redeem points for merchandise?

Is there a difference between signing and using PIN for transactions?

What should I do if my card is lost or stolen?

• MasterCard® may assess a foreign transaction fee for purchases made outside the United States.
• Fees may still apply when used at a non-South Carolina Federal ATM. Visit https://www.allpointnetwork.com to locate a fee-free ATM near you.
  

Before filing a dispute, contact the company who processed the item to resolve with them. They may require you to supply proof of the charge such as:

• A receipt
• A copy of your account history or
• Statement

If you cannot reach a resolution with the merchant, you have 60 days from the statement date of which the transaction occurred to file a dispute.

For Debit Card disputes:

• Visit a local financial center to fill out a dispute form or
• Contact Us to request a dispute form mailed

For Credit Card disputes:

• Contact Cardholder Services at 843-797-8300
• Visit a local financial center to fill out a dispute form

After the dispute form is submitted:

• The dispute form is forwarded to our card processor for investigation.
• For Credit Cards, interest will not be charged on the amount disputed.
• You may be contacted by our credit card processor through the mail if more information is required.
• Follow all instructions on letters from the credit card processor promptly. If the forms are not completed and returned, the dispute will be closed.

The MasterCard® Debit Card is accepted at millions of locations worldwide. You’ll have instant access to your checking account with the convenience of a card.

If your card is damaged or if you have never had an ATM/Debit card assigned to your account:

• Visit a local financial center for a debit card instantly issued
• Use our Secure Chat feature in Online Banking to request a card
• Contact Us to request a card by mail

Points can be redeemed for merchandise awards online or via mail.

To redeem points online:

• Visit www.uChooserewards.com
• Select the “Merchandise” link to view the merchandise catalog.
• Add the desired merchandise awards to your shopping cart for redemption.
• Click on the "Proceed to Checkout" button to place your order online.
• Enter your name, shipping address and a telephone number and click "Transmit Order" to submit your order.
• You will receive a confirmation number after your order has been submitted.
• Keep records of your order until you receive your award merchandise.

Points can be redeemed for travel awards online or via phone.

Travel awards that can be redeemed through the uChoose Rewards Travel Agency include:

• Airline tickets
• Hotel certificates
• Car certificates
• Vacation packages
• Experiences
• Cruises

To redeem points:

• Visit www.uChooserewards.com

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Is there a difference between signing and using PIN for transactions?

• Some merchants may require a signature (such as many restaurants), while others may offer you the option of 'Credit' or 'Debit/ATM' when processing your purchase.
• If you select 'Credit', you will sign a receipt to authorize your purchase
• If you select 'Debit/ATM', you will use your PIN.

Benefits of signing for your purchases include:

• Earning 1 uChoose Reward point per every $5.00 you spend
• Protection under the Zero Liability Act
  

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What should I do if my debit card is lost or stolen?

For Lost or Stolen Cards:

• Call Cardholder Services at 800-472-3272 immediately.
• Once your card has been cancelled, a new card will be mailed to you in 7-10 business days or
• Visit a local financial center to receive a card instantly issued
  

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Why is a pending transaction different then the actual amount?

An authorization may vary from the final purchase amount in situations where there is an estimated authorization amount or a tip is involved.

• Example: At a restaurant, an authorization is requested prior to a tip being added. The final purchase amount will include the tip.
• Example: At the gas pump, an initial authorization is requested prior to dispensing fuel and determining the final amount of the purchase. Many pay-at-the-pump gas purchases are initially authorized for $1 no matter the final purchase amount.
• Example: At a hotel, an authorization in the amount equal to the entire stay plus an estimated amount for incidentals may be made. This can also be true of cruise lines and car rental companies.

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Can I use my card outside the U.S.?

Keep your cards open by informing us in advance.

Remember to contact South Carolina Federal when your plans include travel outside the United States.

• Simply give us a call at 843-797-8300 (Charleston) or 800-845-0432 (Nationwide).

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Is South Carolina Federal Credit Union open?

Where is South Carolina Federal Credit Union located?

How do I close my SC Federal Credit Union account?

Is SC Federal Credit Union a good bank?