Checking Accounts


Starting on April 1, 2015, there will be a change to our Fee Schedule regarding Checking Accounts.
Please follow this link to read about that change.


Santee Cooper Credit Union offers a variety of checking accounts designed to meet all of your financial needs. Whether you want no minimum balance checking or an interest bearing account, Santee Cooper Credit Union has the checking account that's right for you.

Santee Cooper Credit Union offers the following three checking plans to meet your financial needs:

Thrifty Checking Prime Checking Prime Plus Checking
No dividends.
No minimum balance.
Earns dividends.
Requires a $500.00 minimum average daily balance to earn dividends.
Earns highest dividends.
Requires a $2,000.00 minimum average daily balance to earn dividends.
Free Prime Plus checks.
All three checking plans offer:

Reorder your checks online
through Main Street's easy
reordering process.

No per check fee
It means just that! No matter how many checks you write in a month, we do not limit the number of checks you can write, provided you do not exceed your account balance.

No fee for debit card
The debit card provides a convenient way for members to access their checking account 24/7 by using the nationwide ATM access terminals at more than 650 surcharge-free locations in the state and over 28,000 ATM's nationwide. The debit card can also be used at restaurants, gas stations, grocery stores, or anywhere VISA is accepted (over 24 million locations worldwide). The debit card works like an electronic check as the funds are deducted directly from the checking account. This helps you save valuable time that otherwise would be wasted on check approval and cash transactions. It also is a safer alternative to carrying cash.

* The Debit Card may only be used for transactions on checking accounts.
** Transactions on machines not on our ATM network may incur additional fees.

Online & Mobiliti™ Access to Accounts
Online Accounts bring the convenience of your credit union to you. Now, the ability to check your account balance or make transactions from the comfort of your home or office is just a click away. Online Accounts allow you to check balances, deposits, checks that have cleared, dividends earned, and much more 24 hours a day. You can also transfer funds from your savings to your checking account or make a loan payment with the click of a button.

By downloading our mobile app, you can also have access to your accounts 24/7 on your smartphone. For more information on how to download our app, please visit our Promotions Page found on our website.

CardValet® for Debit Card(s)
CardValet® is a downloadable app, which helps protect your SCCU Debit Card from theft or fraud through your mobile device. When you download the app, you can turn your card on and off for purchases with a simple touch of a button, create dollar limits for approval, block international and geographic transactions, and receive alerts about your card transactions.

How can I download the CardValet app? The CardValet app can be found in the App store for Apple devices or Google Play Store for Android devices. Once the app is downloaded, you can customize alert preferences. For more information on how to download the app, please visit our Promotions Page found on our website.

E-statements
Receive your credit union statements online so you may view your account history whenever you wish. E-statements also allow you to view check images online and it retains your statements up to 18 months on our secure site.

Overdraft protection available
When you sign up for your checking account, you have the choice of two overdraft options (you may choose both):

  • You may have your checking account linked to your share savings account.
  • You may apply for an additional line of credit loan.*

When a check is unable to be cashed in your checking account due to insufficient funds, the overdraft option you have chosen would be activated to clear the amount needed permitted sufficient funds are available in the overdraft account(s).

* subject to credit approval

Notary Public Service
Notary publics are on staff to notarize Credit Union documents and to provide a no-charge service to members.

Direct Deposit/Payroll Deduction
Avoid waiting in lines to deposit your paycheck or make loan payments. We can set up your account to deposit your money into your accounts any way you like. Have your paycheck setup to cover your mortgage, loans, or make deposits into your savings, checking, children's accounts, Christmas Club or any other account you choose.