Online Banking 
 
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  • Frequently Asked Questions

FAQ




  • 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.
  • How can I transfer funds from my SCCU account to an account at another Financial Institution?
    Use our External Account Transfers service to transfer funds to another financial institution.
  • Can I use the Online Banking stop payment option to stop a payment with my debit card?
    No, we cannot place a stop payment on a debit card transaction.
  • 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.
  • What is the Biller Grouping feature in Bill Payer?
    Biller Grouping
    SCCU's Bill Payer service allows you to create groups of billers based on your own needs instead of scrolling through a long list of all of your billers. Biller Grouping lets you "cluster" individual bills into helpful group names you assign. For example, you can set up groups like "Household Bills," "Credit Cards," "Individuals," and more. You can access this feature right from the "Add/Manage Groups" link on the Payment Center page of Bill Payer.

    To Create a New Biller Group:
    • Click the "Add/Manage Groups" link from within the Payment Center
    • Enter a group name as desired (i.e. Household Bills, Credit Cards, Dad) and click the "Create Group" button
    • Assign your billers to the group name
    • Once you have customized your groupings, you will see the grouping displayed within your Payment Center
    • Use the [-] and [+] links to hide or show your biller groupings
    • You can change the group for a biller at any time by clicking on the "Add/Manage Groups" link and then using the drop down box next to the biller name
    Check Free Bill Pay

  • 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 5.0 (or higher).              
  • 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 pay date. If the company or person cannot receive electronic payments, Bill Payer Service prints a check and sends it to the billing address. For some checks, the money for the payment is withdrawn on the pay date. 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.
  • 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 week.
  • 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.
  • SCCU Routing Number: 263177903
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Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.
*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

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

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