Online Banking 
Enroll in Online Banking
  • Frequently Asked Questions


  • I have locked myself out of online banking. How do I reset my password?
    Members may easily unlock their account by following the prompts listed below:
    • Click the “Unlock Account and Reset Password” link provided after lockout
    • Provide all membership information requested
    • Answer security question
    • Choose a new password
    • Request the unlock email by clicking “Unlock”
    • Log in to their email address on file and follow the link provided to sign in
  • What is the mobile fast balance feature?
    In our mobile banking app, you will have the option to conveniently view your account balances without having to log into your account. You will need to enroll to use Fast Balance.
  • What is my account access code (Call-24 pin)?
    Your account access code was established when your account was opened and provides you access to SCCU’s Call-24 bank by phone system. This code is separate from your debit card PIN used at ATM or at point of sale terminals. To receive or change your account access code, you must visit a local branch.
  • If I have more than one address, which zip code should I use?
    Please use the zip code associated with your primary mailing address. If you aren’t sure whether we have your current contact information on file, give us a call so we can get everything updated.
  • Where do I login?
    The online banking login is located on the home page of SCCU's website ( in the same place that you've signed in before.
  • How much does the online banking cost me?
    IT’S FREE! SCCU’s online banking is a free service provided to all SCCU Members.
  • How can I use alerts to help monitor my account against fraudulent transactions?
    By enrolling in the “Transaction Alert” you will be notified whenever a transaction is posted on your account, helping you monitor all activities as they happen.
  • Does SCCU charge me to have alerts?
    No, SCCU does not charge a fee for using SCCU mobile banking services or downloading our mobile app. However, you should check with your wireless carrier, as message, data, and text messaging rates for your mobile device may apply from your carrier.
  • How do I enroll for alerts?
    Follow these easy steps:
    • Log into online banking
    • Select “Alerts” at the top of the page
    • Select which alert(s) you want to subscribe
  • What time will I receive my alerts?
    There is more flexibility in scheduling. Now you are able to select the time of day when you would receive each alert you enroll in.
  • What are reminder alerts?
    You will have the ability to set an alert to send yourself a personal reminder message at the date and time of your choice.  For example: birthday, anniversaries, appointments, etc.
  • Is the person-to-person fee changing?
    No. Please refer to the fee schedule.
  • Is the external transfer fee changing?
    No. Please refer to the fee schedule.
  • For a person to person payment, does the individual receiving the payment need to have a checking account?
    No. The individual receiving the payment is not required to have a checking account but may need to set up a Paypal account.
  • How do I change my password or security questions?
    You can change the password and security questions by going to the User Profile tab on the website. Under Options you can click on Change Password or Setup Profile to change the security questions.
  • I forgot my password, how can I reset it?
    You may use the “Forgot Password” link on our website to reset your password.
  • How do I access the system after being locked out?
    You may contact the Member Service Center or visit your local branch location.
  • Why do I keep getting asked my security questions each time I log into the system?
    If the system does not recognize the device you are using to access the system security questions will be required each time for entry.
  • When setting up a payment a date auto-populates in the Deliver By field. Do I have to use this date?
    No, you do not have to use this date. The date that populates is defaulted to display the earliest delivery date available. You can select a different date using the calendar.
  • Why was I logged out of the system?
    Your session will end if there has been no activity for 20 minutes. You will receive a time-out warning pop-up message 2 minutes before the session is automatically ended.
  • Who do I contact if I have any additional questions?
    If you have questions during this process, you can always click-on SCCU Live Chat to receive assistance from a Member Service Representative or call the Member Service Center directly.
  • What happens if I set up a Bill Pay payment, but I do not have funds in my checking account?
    If you do not have sufficient funds in your checking account on the date you want us to send the payment, we may make the payment using available Overdraft Protection funds or it may create an overdraft. There is a fee for both these situations.
  • Why won’t the system accept my answer for the security questions?
    You will not be able to use the same answer more than once. Enter your answers carefully as you will need to supply the exact same answer each time you are asked the security questions.
  • Do I need my Account Access Code (Call 24 PIN)?
     No, it is optional when verifying account ownership.
  • How do I delete a payee?
    1.  Go to the Payees tab
    2.  Click the X icon to delete the payee
  • What information do I need to log into the system for the first time?
    Please be sure to have your SCCU account number, the last 4 digits of your social security number, your zip code, and the account access code (Call 24 PIN) is optional.
  • How do I edit a payee?
    1.  Go to the Payees tab
    2.  Click on the Edit icon
  • How do I set up payees in Bill Pay?
    Before you get started, it is helpful to have recent copies of your current bills available when you set up your payees, as you will be asked to verify or enter a payment address and account information.
    You can set up your payees online in just a few easy steps:
    1. Log in to SCCU's online banking and select the Bill Pay icon. Select the “Payees” tab and click on the Add Payee button.
    2. Select the type of account, Business or Individual.
    3. Enter the Type of Business.
    4. Enter the payee’s name in the Business Name field. A list of frequently used Business will appear as you type.
    5. Select your payee from our list, or enter the details manually.
    6. Complete the Account Number & Confirm Account Number fields.
    7. The Name on Account field will auto-populate with the Primary member’s name. If this is not the name on the actual bill then please edit.
    8. Once you have added your payee, click Submit to schedule a payment.
  • Can I make expedited Bill Pay payments?
    You can make an expedited payment to a limited selection of payees. The fee and cut-off time for scheduling a same-day payment both depend on the payee, and will be shown when you schedule the payment. Only those payees where an “Expedite” option is provided can receive a same day payment.
  • Can I cancel scheduled bill payments & external transfers on the mobile app?
    Yes. You will have the ability to cancel or edit your payments.
    1. Choose Bill Pay from the menu options
    2. Click Scheduled Payments
    3. Choose the scheduled payment you want to delete or edit
  • What are eBills and how do I enroll?
    eBills are online versions of your paper statements and bills that you receive, review, and pay through Bill Pay. You'll save paper and time! Best of all, eBills are free with our Bill Pay service.
    How to get eBills:
    1. First, sign up for Bill Pay or, if you already are a user, sign on to and click the Bill Payer icon.
    2. Set up your payees. For payees who offer electronic billing, you can activate eBills by clicking Enroll next to any eligible payee.
    3. To complete enrollment of eBills for a payee, enter the username and password that you set up with that biller (hint: this is the username and password that you use to log into this biller’s secure billing and payment site).
    4. You will receive notice via email when your eBill is ready.
  • Can I schedule recurring bill payments?
    Yes. When you are scheduling payments there is a “Frequency” drop down box that will allow you to choose either a One Time Payment or one of the following recurring options: Weekly, Bi-weekly, Semimonthly, Every 4 Weeks or Monthly.
  • Add Payee: The “Name on Account” field auto-populated with my name on it but the bill is not in my name. Can I change it?
    Yes, you will want the name to reflect the name shown on the account you are paying.
  • How can I tell what the payment delivery method is?
    On the Payees tab. Click on the payee name and the payee details will open. The number located in the days to deliver section will tell you the delivery method.
    1-2 Days: Electronic payment
    4-5 Days: Check payment
  • I scheduled 2 payments to be delivered on the 13th. One payment was debited on the 12th and the other on the 14th. Why are they different?
    The delivery method of the payment determines when the funds will be removed from your account. For electronic payments the funds are debited from your account one business day before the payment is sent. Payments sent by check are deducted when the check clears.
  • What is this $ icon for on the Payees tab?
    This icon allows you to quickly make a payment.
  • What should I do if my Payee address does not match the one that is auto-populating?
    Use the address that is on your bill
  • Can payments showing in the scheduled section be deleted?
    Yes, you are able to edit or delete any payments in the Scheduled payment section.
  • Payment Activity tab:  Will the payments showing in the scheduled payments section already be deducted from my balance?
    No, these payments have not yet been deducted from your balance.  The payments will be deducted once the payment is processed.
  • Can I make bill payments from different accounts?
    Yes, you can use different accounts to pay different payees. The payment account must be a checking account and only one payment account can be used to make a payment. You can’t split a bill payment between 2 payment accounts.
  • Why do I receive a security challenge when I attempt some transactions or profile updates?
    In order to protect your account, SCCU uses Knowledge Based Questions obtained from public databases or verification by phone/text. These security challenges will occur for high risk transactions including Bill Pay, External Transfers, Person to Person Transfers, contact information updates, Business Wire or ACH origination, or adding a secondary user.
  • Why do I receive a security challenge when I attempt some transactions or profile updates?
    In order to protect your account, SCCU uses Knowledge Based Questions obtained from public databases or verification by phone/text. These security challenges will occur for high risk transactions including Bill Pay, External Transfers, Person to Person Transfers, contact information updates, Business Wire or ACH origination, or adding a secondary user.
  • How will I know when my current statement is available to view online?
    You will receive an email notice each month when your statement is ready for viewing. Statements are available by the 4th day of the month. 
  • Can I access past months statements online?
    Yes, you may view your current statement and at least 24 months of past account statements.
  • Why is my online account disabled?

    Your account is disabled because various attempts were made to login to your Online Banking account with a username or password that was different from the login information created at the time of enrollment. To enable your account, please call the Member Service Center at (321) 752-2222 or (800) 447-7228. If you have forgotten your password and have not disabled your account, click on the "Forgot Your Password" link to reset your password.

  • How do I reference a bill pay check number?
    When the bill payments sent as paper checks clear your account you will see a five digit check number on the withdrawal. You may cross reference the dollar amount with recent bill payments in your Payment History within the Pay Bills tab online. Seven to ten days after the check clears, the check copy should also be available for your reference. You may contact member services if you need additional assistance.
  • I made my payment to my loan but my due date did not change in Online Banking. Why?
    The system will update overnight and the due date will reflect the correct due date the next day.
  • How far back can I request paper statements within Online Banking?
    Within Online Banking you have access to the last 2 years of statements to view. You may request copies of statements up to 5 years by contacting the Member Service Center.
  • A partial payment was done to my loan, but it still shows the full minimum payment due on the due date in Online Banking. Why is that?
    Online Banking will only show the minimum payment due by the due date. Partial payments will not change what the fixed minimum amount is.
  • How far back can I request check copies within Online Banking?
    Online Banking provides check images for up to 9 months. You may request check images for up to 5 years by contacting the Member Service Center. A fee may apply; view our current Fee Schedule for information.
  • How can I transfer funds from my savings account to my checking account?
    You can transfer funds from savings to checking through Online Banking, CALL-24, at a branch location, or through the Member Service Center.
  • How can I transfer funds from my SCCU account to someone else's SCCU account using Online Banking?

    You can complete this type of transfer at any branch location, or you can request cross account set up thru Online Banking and CALL-24.

    Use our External Account Transfers service to transfer funds to another financial institution.

  • How soon will the stop payment take effect once I select it within Online Banking?
    It will be effective immediately when placed.
  • Can I cancel my savings/checking statement in Online Banking but still receive my credit card statement?
    No. Cancelling paper statements will cancel both deposit account & credit card statements. Please note: for converted EFFCU members with MasterCard credit cards and HELOC credit cards, you will continue to receive separate statements for these accounts for as long as you have those accounts.
  • How often will I have to go through the account setup process for an account when using External Account Transfers?
    Account setup and activation is a one time process for each account you set up with the service.
  • Why did I get a message saying that my Bill Payer payment was returned due to an invalid address?
    Companies occasionally change their payment delivery address and this  may cause your payment to be returned. If you receive a message stating  this, you should contact the company that you were attempting to pay and  verify the payment address with them. If their address has changed you  will need to edit the payee in Bill Payer with the correct address.               
  • How do I know which payment dates I can select in Bill Payer?
    You can use the payment calendar to determine the dates you can select to make your payments. The calendar shows:
    • The pay dates available in the current month. You can scroll to future months, if necessary.
    • The earliest date you can select for the biller to receive the payment.
    • The due date for your bill, if you are paying an electronic bill or if you set up reminders for the bill you are paying.
    • Whether the biller accepts payments on the same day or the next business day.
    Also, when you enter an amount, Bill Payer Service automatically displays the earliest date the biller will receive the payment. You can accept this date or change it. The date must be a business day (no weekends or holidays) that is not more than a year in the future (or 365 days from today's date).
  • Why can't I withdraw more than six (6) transactions from my savings and/or money market account within a month within Online Banking?
    Federal regulations require SCCU to limit withdrawals to six (6) transactions, within a calendar month, on savings and money market accounts. This is known as Regulation D, or Reg-D for short. Once the six transactions have been reached, SCCU is unable, per federal law, to electronically transfer any more funds out of savings. Electronic transactions include CALL-24 or Online Banking transfers, overdraft protection transfers, and any pre-authorized withdrawals from outside companies.
  • Can I use the Online Banking stop payment option to stop an electronic payment?
    No, you will need a check number to place a stop payment using Online Banking. Please contact Member Services for stop payments to electronic transactions.
  • When does my funds transfer request process for External Account Transfers?
    Your funds transfer request enters into the ACH system on the same business day, provided you've made your transfer request before the cutoff time. Otherwise it will be sent the next day.

    The transfers are posted to your account the next business day. However depending upon the financial institution, it may take an additional business day for the transaction to be reflected in your account balance.

    Once we receive the funds from source account we repeat the process to send the money to the destination account and overall the process may take 3 to 5 business days to complete delivery of funds.
  • Can I schedule future payments with Bill Payer?
    Yes! You can schedule payments to be processed on particular days. You can enter a payee and payment at any time, and then choose the day you would like your payment to be processed.

    This feature allows you to take care of bills as they arrive in the mail or your inbox - no more sitting down with a pile of bills once or twice a month! Simply log on to Online Banking, schedule a payment, and you're done. Schedule the payment for any day you choose - like the day after payday!
  • Why should I use Bill Payer?
    Bill Payer eliminates the chore of writing out checks (which means purchasing less checks, too), buying stamps, and running to the post office.

    It works with SCCU's checking and money market checking accounts and you can pay virtually any creditor or merchant in the United States.
  • What is the earliest date I can make a Bill Payer payment?
    For most bills, we can deliver your payment the next business day. If we send the payment by check, it can take four or fewer days for your biller to receive it.

    When you enter an amount, the Bill Payer Service automatically displays the earliest date the biller will receive the payment. You can accept this date or change it.
  • Why is trial deposit /withdrawal verification of my account required for account setup with External Account Transfers?
    The trial deposit/withdrawal verification process ensures that the rightful owner is setting up the account with for External Account Transfers. It also ensures that the accounts given are valid.
  • Why would an attempted External Accounts transfer be unsuccessful?
    A Transfer Funds request will be rejected, if it cannot successfully be posted to your account. The most common reasons for failed or returned transfers are:
    • Exceeding the dollar limit for an individual transaction, total transactions per day, week or month, or outstanding transfers (transfers that you've initiated but which haven't been finalized)
    • Lack of sufficient funds in the source account
    • Lock placed by a financial institution on one of the accounts (account number or routing number may have changed since registration, account may be frozen by the institution, account may have reached allowed limits of number of such transactions, etc.)
    You will be notified by e-mail if we have received a "Return" message on your transaction indicating that the transfer has not been completed. Full details will be available on the History screen. 
  • Are Person-to-Person payments available outside the U.S.?
    The Person-to-Person payment service is only available for use between banking accounts that are located in the United States.
  • What kinds of transactions should I use the External Accounts Transfers service for?
    The service allows you to transfer funds easily and securely between your SCCU account and your accounts at other U.S. financial institutions.

    IMPORTANT NOTE: This service is for transferring money to or from another institution. Should you wish to transfer funds between your SCCU accounts (e.g. from your SCCU savings account to your SCCU checking account), please utilize the "Transfer Funds" choice under the "Transfers" tab within Online Banking or use our CALL-24 service.
  • How do I activate an External Account Transfers 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)Your account is now activated.
    7. Repeat the process for any other accounts you've added.
    8. You may now begin transferring money to and from your SCCU accounts.
  • Will I get charged a fee by my other financial institutions if I use External Account Transfers to send or receive transfers?
    Yes. In all cases, limits and conditions placed on accounts by individual financial institutions apply to transfers conducted by External Account Transfers.

    Please note that your external account financial institution(s) may charge any and all fees to you resulting from transfers conducted through External Account Transfers. If in doubt, please contact those financial institutions to determine whether restrictions and/or conditions, including fees, pertain to transactions made into or out of any of your accounts. 
  • Can I stop Bill Payer payments?
    If a payment is in Pending Status, it can be changed or canceled by clicking on the Change or Cancel option under Pending Payments in the Payment Center. Once a bill payment is in the Processing status, it can no longer be changed or canceled.
  • Can I transfer funds from one SCCU account number to another?

    Cross Account Transfers give you the ability to make transfer deposits to another SCCU account number via Online Banking or CALL-24. The possibilities are endless!

    • Transfer money to a spouse's or child's account
    • You may transfer to any suffix in the "to" account-checking, savings, credit cards, and loans.

    Only the primary or joint account holder on the "from" account may request a Cross Account Transfer.

    To Set Up Cross Account Transfers:

    •  Visit any branch or call the Member Service Center. To protect your account, Cross Account Transfers cannot be set up online.
    • Once your information has been verified, an Associate will complete the process, which allows you to now make transfer deposits to another SCCU account.

    To Complete a Cross Account Transfer using CALL-24:

    • Log in using the 'from" account number and Account Access Code.
    • Select the option for Transfers and Withdrawals (option 2), and then Select the prompt to transfer from your savings or checking to the savings or checking of another account number (option 4).
    • Enter the suffix you wish to transfer from, along with the suffix you wish to transfer to, and the transfer amount. Complete the request until you hear a confirmation that your transfer has taken place.

    To Complete a Cross Account Transfer using Online Banking:

    • Log in using the "from" account username and password, and select the "Transfers" tab.
    • Select the suffix you wish to transfer from. The "Transfer To" box will list all of the available accounts and suffixes to transfer to. Select the desired account and suffix and select "Verify Transfer Funds."
    • Complete the request until you receive a confirmation that your transfer has taken place.
  • How do I make a transfer using SCCU's External Account Transfer service?
    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 Account Transfers
    The following are important details about using our External Account Transfers service:
    • Available only for accounts held at financial institutions in the U.S.
    • The minimum amount per transaction is $20.
    • External Transfer limits for each member are determined by the serviceprovider after you have scheduled your first external account transfer.  Limits will vary.  For most accounts 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 $30 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).
    • Only SCCU qualified checking accounts are eligible for use at this time. Transfers may not be made into or out of loan, savings, or sub-savings accounts (including Money Market and My Way accounts).
  • What kinds of accounts can I use with the External Account Transfers service?
    Any qualified checking account may be setup with External Account Transfers. Certain account types (for example, SCCU savings accounts and Money Market accounts) are not eligible to use as a "pay from" account.
  • When is the money for a Bill Payer payment withdrawn from my payment account?
    If the payment is sent electronically, the money for the payment is withdrawn from your payment account on the send on date. If the company or person cannot receive electronic payments, Bill Payer Service prints a check and sends it to the billing address. For check payments, the money is withdrawn when the company or person deposits (or cashes) the check. For others, the money is withdrawn when the company or person deposits (or cashes) the check.
  • Can I send funds to someone else's account using External Account Transfers?
    No. External Account Transfers are designed to let you transfer funds easily and securely between your SCCU account and your accounts at other U.S. financial institutions.

    If you are interested in sending money through Online Banking to a fellow member in the credit union or a contact at another financial institution, please use our Bill Payer service or our Person-to-Person payment service.
  • Whom can I pay with SCCU Bill Payer?
    You can pay virtually anyone in the United States who you would normally use a check to pay or send funds such as your local lawn service, or your out-of-state college student in need of cash.
  • How long does it take to complete an External Accounts Transfer funds request?
    It usually takes 3 business days on a Standard service. The specifics will depend in part upon the time you initiated the transfer, your previous transfer history with the service, amount of transfer, and perhaps in part upon how quickly your institution updates your account after receiving the money. Full details regarding your funds transfer requests are viewable on the Completed Transfer Status screen.

    Standard: 3 Business day service
    • Day 0: Transfer has been accepted. A withdrawal transaction is initiated and will be sent to the Fed Network.
    • Day 1: Withdrawal transaction is posted on the source account.
    • Day 2: A standard two business day hold to ensure the funds availability.
    • Day 3: Funds are sent to the destination account and will be made available at opening of next business day.

    Please note that a bad transaction history or no transaction history with the service may result in an additional one day hold on transfers resulting in 4 business day service.

  • What are the fees for using the External Account Transfers service?
    • Please visit our SCCU Fee Schedule for a listing of our current fees.
    • Please note that External Account Transactions fees 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 our failed transaction fee. Please visit our SCCU Fee Schedule for a listing of our current fees.
  • What computer equipment is required to use the Bill Payer?
    You will need to access the Internet via an SSL-compatible web browser such as Microsoft Internet Explorer version 7.0 (or higher).              
  • How much can I transfer using the External Account Transfers service?
    • The minimum amount per External Account Transfers transaction is $20.
    • External Account Transfer limits for each member are determined by the service provider after you have scheduled your first External Account Transfer.  Limits will vary.  For most accounts the maximum number of transactions is 3 per day, for a total maximum transaction amount per day of $2,500 and $5,000 per month.
  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Collier, Flagler, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Polk, Putnam, Seminole, St. Johns, St. Lucie, Sumter, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

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Member Rewards

Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.