Space Coast Credit Union

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How do I access the external transfer service?

1. Login to Online Banking. Not enrolled? Enroll here.
2. Choose the “Transfers” and then the "External Account Transfers" tab from the menu:
   
   

How do I setup an account?

All of your eligible Space Coast Credit Union checking and savings accounts will be set-up automatically for you and will appear on the Manage Accounts screen. The full External Transfers account setup and activation process takes 5-7 business days before you are able to make transfers, so SCCU encourages you to setup multiple financial institutions at the same time.

Each time you want to add a linked external account from another financial institution, just follow these simple steps.

1. Enter the routing number of the other financial institution where you would like to send or receive funds
2. Select the credit union/bank where you hold the account
3. Enter the Account Number, Account Type, Name on Account, and click Submit
4. An email will be sent to your address on file to let you know that the account was setup

How do I activate an account?

SCCU will verify your account by making two small trial transactions in your account (one deposit and one withdrawal of a few cents) before activating the account.

1. Account Verification is a one-time process for each account that confirms you are the owner of the account you are setting up. This is an important part of the account setup process that protects you from fraudulent activity in your account. You will need to follow the Account Activation process for each account you setup with an external financial institution.
2. The Account Activation process starts immediately once you’ve submitted your financial institution information. Two small trial transactions are initiated by the External Transfers system. One will be a small deposit into your external account, the other a small withdrawal (a few pennies each) from the account. These transactions will be posted to the external financial institution account within 2-3 business days.
3. Once you see these transactions occur within your external account, write down the exact amounts of each trial transaction.
4. Logon to the External Transfers service through Online Banking and choose the “Manage Accounts” section.
5. Click on Activate.
6. Enter the exact trial deposit amount and the trial withdrawl amount and click "Submit." (Five cents would be entered as .05 --- Nine cents would be entered as .09)
7. Your account is now activated. Repeat the process for any other accounts you’ve added.
8. You may now begin transferring money to and from your SCCU accounts.

How do I make a transfer?

1. The service typically takes 2 to 3 days to complete a credit or debit transaction through the ACH network for total turnaround time of 3 to 5 days for account to account transfer.
2. The External Transfers service generates email notifications to let you know the status of the your transfer, and also alerts you if there is some activity that you did not initiate, helping to prevent any fraud. Please make sure your email address is correct and current.
3. Click on "Create Transfer" under "Transfer Funds."
   1. You can choose to make a one-time transfer, or schedule a recurring transfer between your SCCU checking and savings accounts and your linked external account.
   2. Enter your transfer amount, select a "From" and "To" account, choose when you would like the transfer to occur and click "Submit."

Important information about External Transfers

• Available only for accounts held at financial institutions in the U.S.
• The minimum amount per transaction is $20
• The maximum amount per transaction is $2,500
• The maximum number of transactions is 3 per day, for a total maximum transaction amount per day of $2,500
• Transactions into an SCCU account from another financial institution are FREE
• Transactions out of an SCCU account and into another financial institution are $2 per transaction
• Transactions are subject to SCCU’s non-sufficient funds policy and fees. Attempts to transfer funds that are not available at the time of transfer request are subject to a $29 failed transaction fee.
• Transfers requested by 8:00 p.m. Eastern Time, will begin to be processed the next business day.
• Transfer requests received after 8:00 p.m. Eastern Time, will begin to be processed on the second business day after your request is submitted. Our business days are Monday through Friday, excluding federal holidays.
• May not exceed a total of five (5) transfers weekly from your SCCU checking account(s).
• May not exceed a total of six (6) transfers monthly from your SCCU savings account per statement cycle due to Federal Regulations.
• Only SCCU savings or checking accounts (including Money Market checking accounts) are eligible for use at this time. Transfers may not be made into or out of loan or sub-savings accounts (including My Way accounts).
• Please note that all deposits made to your SCCU account are subject to our standard holding period (5 calendar days).

Brevard: (321) 752-2222

Toll Free: (800) 447-7228

Corporate Headquarters: Space Coast Credit Union 8045 N. Wickham Road Melbourne, Florida 32940

Space Coast Credit Union is federally insured by National Credit Union Administration.

Space Coast Credit Union membership open to all who work or live in Brevard, Volusia, Flagler, Indian River, Osceola, Orange, Seminole, or St. Lucie Counties in Florida.

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