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  • Frequently Asked Questions

FAQ




  • Do you offer a free checking account?
    Yes! Space Coast Credit Union is proud to offer absolutely free checking with no monthly fees, no minimum balance, no transaction fees, free e-Statements, and more.

    Learn more about SCCU Free Checking here.
  • How can I order checks?
    You may order checks on the SCCU website, at any SCCU branch, or by calling the Member Service Center. 
  • How is Overdraft Privilege different from your Automatic Overdraft Transfer program?
    Overdraft Privilege is a non-contractual service which allows qualified accounts to go negative in order to pay an item. Automatic Overdraft Transfer Service is a contractual agreement which transfers funds from another account you have at the credit union in order to pay an item.
  • Are there checking accounts that are not eligible for Overdraft Privilege?
    • The following checking accounts are not eligible for ODP coverage: Health Savings Checking, Money Market Checking, and Trusts.
    • All other SCCU checking accounts (including Value Checking and Interest Checking) are eligible for ODP coverage.
  • How do I opt-in for automatic ATM and one-time debit card transactions?
    Visit SCCU.com/opt-in if you'd like to opt-in to Overdraft Privilege coverage for ATM and one-time debit card transactions.

    This page provides you with step-by-step instructions for opting-in for Overdraft Privilege coverage using our online form, over the phone, or within any of our SCCU branches.

    If you decide to not opt-in, ATM and one-time debit card transactions that overdraw your account will be declined.
  • Does Overdraft Privilege automatically cover ATM and one-time debit card transactions?
    No, ODP does not automatically cover ATM and one-time debit card transactions. New federal banking regulations that took effect on August 15, 2010 that requires us to obtain your authorization to opt-in before we can provide ODP coverage on ATM and one-time debit card transactions.

    Visit SCCU.com/opt-in for step-by-step instructions to opt-in to Overdraft Privilege for ATM and one-time debit card transactions.
  • What kinds of transactions will you pay automatically with Overdraft Privilege?
    Transactions that are automatically covered by Overdraft Privilege for qualified accounts and do not need your affirmative consent are:
    • In-clearing checks (checks you have issued)
    • Teller withdrawals or check cashing
    • ACH debit (electronic payments you have set up with a service provider or individual to debit your account for utilities, cable, cell phone, rent, etc.)
    • Bill Payer
    If your account is eligible for Overdraft Privilege and you've exhausted your other overdraft resources, SCCU will automatically cover the transactions above.
  • How will I know if my account was overdrawn and Overdraft Privilege covered the amount?
    A notification is sent to you when your account is overdrawn. If your account continues to remain overdrawn, reminder notifications will be sent periodically until you bring your account to a positive balance. You can also review your notices through Online Banking.

    You have up to 30 days to pay any overdrawn amount from the time your account goes into a negative balance. However, SCCU reserves the right to ask for repayment at any time. Your credit rating will not be affected if you bring your overdrawn account to a positive balance within the required 30 days.
  • Is Overdraft Privilege a loan?
    ODP is not a loan. The credit union allows you to overdraw your account up to your ODP limit as a non-contractual courtesy. This service can be withdrawn at any time by the credit union.
  • How does Overdraft Privilege work?
    When you write a check, pay a bill, or have a scheduled automatic payment:
    1. If funds are not available and you've exhausted your other overdraft resources, Overdraft Privilege (ODP) will allow your transaction to be paid up to your limit (for qualified checking accounts*)
    2. You will be covered by Overdradt Privilege and charged $30 per item
  • When will I receive my checks?
    You should receive your checks in 7 to 10 business days. Please call the Member Service Center if you do not receive checks within this timeframe. 
  • How can I get a vinyl checkbook cover?
    You will receive a vinyl cover with your initial order.
  • How many checks are in a box?
    There are 120 checks per box (personal wallet duplicate checks).
  • Do you offer checking accounts for children and teens?
    Yes, members age 13 - 17 can open a FREE checking account with their adult joint account holder's consent. Members age 18 - 21 may choose from any account without a joint account holder. Student Checking accounts are not subject to monthly drop-below fees until the member reaches age 22, regardless of the daily account balance or Member Rewards level.
  • Are checking accounts NCUA insured?
    Your accounts at SCCU are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. Individual Retirement Accounts (IRAs) are insured separately for $250,000.

    The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government.

    For more information about NCUA insurance coverage, visit ncua.gov.
  • What are the types of checking accounts SCCU offers?
    Space Coast Credit Union offers a variety of interest bearing and non-interest bearing checking accounts. Please visit https://www.sccu.com/personal/checking/ for details about checking account types and debit cards.
  • Do you offer an interest bearing checking account?
    Yes! Please visit https://www.sccu.com/personal/checking/ for details about our Interest Checking and Money Market Checking Accounts.
  • What is the minimum opening deposit for your checking accounts?
    Please visit the Checking & Debit page for details about the account types and features of each account.
  • My debit card is about to expire. When should I expect a replacement debit card?
    Your existing debit card is good through the last day of the expiration month shown on the card.

    Your renewal card will automatically be mailed to your current address on record.

    The new card should arrive at least one week prior to the expiration date on your existing card. If you did not receive your replacement card please contact the Member Service Center.
  • What does it cost to order checks?
    The cost for checks can vary depending on the design you choose and your Member Rewards level. View our online check order page for more information.
  • How can I open a checking account?

    By Phone

    An Express Services Associate can help you select the checking account that best meets your needs. Deposit Account services are available Monday - Friday, 8 am - 6:30 pm and Saturdays 9 am - 3 pm.

    Brevard: 321-752-2222, option 3

    Broward: 954-704-5000, option 3

    Miami-Dade: 305-882-5000, option 3

    All Other Areas: 800-447-7228, option 3

    At Any Branch

    Visit any of SCCU's branch locations. You'll speak to an Express Services Associate using the in-branch phone located in a private Express Booth, and can complete all of the paperwork with your Branch Member Service Specialist immediately after your call.

  • Can I order a Debit card for my checking account?
    Yes! All accounts feature a free debit card with no monthly debit use fee. Please visit https://www.sccu.com/Personal/Checking-Savings/Checking-Debit/ for details about checking account types and debit cards.
  • Are my checks free?

    The cost for checks can vary depending on the design you choose and your Member Rewards level. View our online check order page for more information.

    Depending on your Member Rewards level, you may qualify for free checks for your account.

  • What are your checking account features?

    All checking accounts at Space Coast Credit Union feature:

    • Free Online Banking, Online Statements, and Bill Payer

    • Free Direct Deposit (we'll even deliver your form right to your Human Resources department!)

    • Free Visa® Debit card - choose from more than 20 unique designs

    • Free Account Alerts to help you manage your accounts

    • Available Automatic Overdraft Transfer Service from your SCCU savings account or credit card

    • Overdraft Privilege coverage available on qualified checking accounts

    • Free CALL-24 Telephone Banking

    • Free ATM Transactions at any of SCCU's over 100 convenient locations

  • I am a former Eastern Financial Florida Credit Union member. Can I use the same information from my EFFCU checks?
    No, you will need SCCU's Routing Number and your 13-digit electronic checking account number to accurately order your SCCU checks. SCCU's Routing Number is 263177903 and you may find your 13-digit electronic checking account number on your monthly statement. You may also call the Member Service Center for assistance. Please note that failure to use the correct numbers may result in delayed or denied payments.
  • What information do I need to order checks?
    You will need SCCU's Routing Number and your 13-digit electronic checking account number to accurately order your SCCU checks. SCCU's Routing Number is 263177903 and you may find your 13-digit electronic checking account number on your monthly statement. You may also call the Member Service Center for assistance. Please note that failure to use the correct numbers may result in delayed or denied payments.
     
  • What should I do if my debit or credit card is lost or stolen, or if I see a fraudulent transaction on my account?
    First, report the lost/stolen card using the information below. Then, Monitor your account for unauthorized activity, and report any suspicious transactions to SCCU.
    • PREFERRED METHOD: Log on to Online Banking any time to view current account activity. Don’t wait for your monthly statement
    • If you do not use Online Banking, carefully review your monthly statement and contact SCCU to report any suspicious activity.
     

    Members with a Space Coast Credit Union Visa® Debit or Credit card, and Members with an Eastern Financial MasterCard® MoneyPlus Debit card

    During business hours:

    Immediately CALL SCCU's Member Service Center, or visit any of our branches to report the problem.
    Please have the following information available:
    • Name
    • 16 Digit Card Number
    • Social Security Card
    If you are reporting a fraudulent transaction, please also provide the following information:
    • Type of transaction (debit or credit)
    • Date of transaction(s)
    • Merchant(s)
    • Dollar Amount(s)

    To report by phone during business hours:

    • Brevard: 321-752-2222 Option 5
    • Broward: 954-704-5000 Option 5
    • Miami-Dade: 305-882-5000 Option 5
    • All Other Areas: 800-447-7228 Option 5
    An Associate will assist you. Your card will be blocked to prevent fraudulent activity. You will receive a new card within 10 days. Your Associate will discuss any further action to be taken on your part, if that is applicable to your situation.

    After business hours:

    Call SCCU and select the Credit/Debit (Option 3), and then select “report a lost or stolen card” (Option 2).
    Please have the following information available:
    • Name
    • 16 Digit Card Number
    • Social Security Number
    • Dollar Amount(s)
    Please note the following important information:
    • Your call will be rerouted to the Card Service System.
    • The only action that will be taken during an after hours call is to block your card.
    • Please contact SCCU as soon as possible after reporting your card problem, so that an Associate can assist you with the additional actions necessary to restore your account.

    Can’t get through?

    If, for any reason you cannot reach SCCU, you may call the national Card Service Center using the numbers below to report your card as lost or stolen so that it will be blocked to prevent fraudulent use. Please contact SCCU as soon as possible so that we may assist you in restoring your account.
    Card Service Center: 800-472-3272

    Fraudulent Transactions:

    PLEASE NOTE that when you report a fraudulent transaction, you will be asked to:
    • File a police report
    • Complete a signed statement detailing the fraudulent activity
    An Associate will provide the steps you need to take based on your particular situation. SCCU will provide any needed forms.

    Members with an Eastern Financial MasterCard® Credit Card

    To report a MasterCard Credit Card lost or stolen, or to report fraudulent activity, please call the MasterCard Credit Card Lost/Stolen System at: 866-839-3485.

    Members with an Eastern Financial HELOC Platinum Visa® Credit Card

    To report a HELOC Credit Card lost or stolen, or to report fraudulent activity, please call the Card Holder Services partner at: 800-449-7228.
  • What card security steps do you take to protect my debit and credit card with SCCU?
    SCCU’s VISA cards provide you with several layers of protection. With your SCCU cards you can shop with the strength of Visa behind you. 
     
    VISA Security Program
     
    Continuous Monitoring
    This is an integral part of VISA’s security. Fraud can be spotted based on transactions that are outside of a cardholder’s typical purchasing pattern. 
     
    Zero Liability
    With this VISA protection, your liability for unauthorized transactions is $0 *, which means 100% protection  for you. Your peace of mind and protection are paramount. Visa's Zero Liability policy is our guarantee that you won’t be held responsible for fraudulent charges made with your card or account information.*
     
    Identity Theft Assistance
    Through Visa, you can get help if you are a victim of identity theft. The consumer network Call For Action provides assistance and confidential counseling. (866-ID-HOTLINE) 
     
    3-Digit Code
    Cardholder Verification Value, or DVV2, helps ensure that the physical card is in the cardholder’s possession while shopping online or by phone. 
     
    SCCU Card Protection
    SCCU provides Falcon Fraud Protection as an added service for all our VISA credit and debit cards at no cost. This fraud protection system recognizes your personal purchasing patterns and can detect possible fraud. If a suspicious transaction is detected, you receive a personal phone call from the SCCU Service Center. If you confirm that there has been fraudulent use of your card, your card will immediately be blocked to prevent further activity. 

    Verified by VISA
    Online shopping with participating stores is safer using free Verified by VISA. With this service, you get an added layer of security when you shop at some of your favorite sites. Verified by Visa works to confirm an online shopper’s identity in real time by requiring an additional password or other data to help ensure that no one but the cardholder can use his Visa card online. Sign up by visiting VISA’s website. 

    * Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN, or other transactions not processed by Visa. You must notify SCCU immediately of any unauthorized use. For specific restrictions, limitations, and other details, please consult SCCU.
     
  • What is the Verified by Visa card protection at SCCU?
    SCCU’s VISA debit and credit cards provide you with several layers of protection. With your SCCU cards you can shop with the strength of Visa behind you. 
     
    Verified by VISA
    Online shopping with participating stores is safer using free Verified by VISA. With this service, you get an added layer of security when you shop at some of your favorite sites. Verified by Visa works to confirm an online shopper’s identity in real time by requiring an additional password or other data to help ensure that no one but the cardholder can use his Visa card online. 
     
    Sign up by visiting VISA’s website. Once there, enter your VISA credit or debit card number, select a unique password and go through the simple verification steps to activate the service. 
     
    Once activation is complete, you can shop at any participating online merchant using the card account and password. Each time you shop online at a participating merchant, you will be asked to authenticate yourself in a Verified by Visa window displayed on the site. Upon successful authentication, the transaction is completed. This additional layer of security, provided by Verified by Visa, can offer you additional peace of mind.
     
  • Can I schedule a transfer to go from my checking account to my savings or Christmas Club to be done every time I receive my direct deposit?
    Yes, at the Member Service Center we can only establish Allocations (Budget Master) for a specific date in the month. Since your payroll may not be on the same days every month, you may prefer to establish a payroll allocation. These can be completed at any SCCU branch. Simply complete a direct deposit allocation form and to establish automatic transfers to other suffixes when you receive your direct deposit. 
  • What is the minimum opening deposit for your checking accounts?
    Please visit the Checking & Debit page for details about the account types and features of each account.
  • My debit card is about to expire. When should I expect a replacement debit card?
    Your existing debit card is good through the last day of the expiration month shown on the card.

    Your renewal card will automatically be mailed to your current address on record.

    The new card should arrive at least one week prior to the expiration date on your existing card. If you did not receive your replacement card please contact the Member Service Center.
  • What does it cost to order checks?
    The cost for checks can vary depending on the design you choose and your Member Rewards level. View our online check order page for more information.
  • How can I open a checking account?

    By Phone

    An Express Services Associate can help you select the checking account that best meets your needs. Deposit Account services are available Monday - Friday, 8 am - 6:30 pm and Saturdays 9 am - 3 pm.

    Brevard: 321-752-2222, option 3

    Broward: 954-704-5000, option 3

    Miami-Dade: 305-882-5000, option 3

    All Other Areas: 800-447-7228, option 3

    At Any Branch

    Visit any of SCCU's branch locations. You'll speak to an Express Services Associate using the in-branch phone located in a private Express Booth, and can complete all of the paperwork with your Branch Member Service Specialist immediately after your call.

  • Can I order a Debit card for my checking account?
    Yes! All accounts feature a free debit card with no monthly debit use fee. Please visit https://www.sccu.com/Personal/Checking-Savings/Checking-Debit/ for details about checking account types and debit cards.
  • Are my checks free?

    The cost for checks can vary depending on the design you choose and your Member Rewards level. View our online check order page for more information.

    Depending on your Member Rewards level, you may qualify for free checks for your account.

  • What are your checking account features?

    All checking accounts at Space Coast Credit Union feature:

    • Free Online Banking, Online Statements, and Bill Payer

    • Free Direct Deposit (we'll even deliver your form right to your Human Resources department!)

    • Free Visa® Debit card - choose from more than 20 unique designs

    • Free Account Alerts to help you manage your accounts

    • Available Automatic Overdraft Transfer Service from your SCCU savings account or credit card

    • Overdraft Privilege coverage available on qualified checking accounts

    • Free CALL-24 Telephone Banking

    • Free ATM Transactions at any of SCCU's over 100 convenient locations

  • I am a former Eastern Financial Florida Credit Union member. Can I use the same information from my EFFCU checks?
    No, you will need SCCU's Routing Number and your 13-digit electronic checking account number to accurately order your SCCU checks. SCCU's Routing Number is 263177903 and you may find your 13-digit electronic checking account number on your monthly statement. You may also call the Member Service Center for assistance. Please note that failure to use the correct numbers may result in delayed or denied payments. 
  • What information do I need to order checks?
    You will need SCCU's Routing Number and your 13-digit electronic checking account number to accurately order your SCCU checks. SCCU's Routing Number is 263177903 and you may find your 13-digit electronic checking account number on your monthly statement. You may also call the Member Service Center for assistance. Please note that failure to use the correct numbers may result in delayed or denied payments. 
  • What should I do if my debit or credit card is lost or stolen, or if I see a fraudulent transaction on my account?
    First, report the lost/stolen card using the information below. Then, Monitor your account for unauthorized activity, and report any suspicious transactions to SCCU. 
    • PREFERRED METHOD: Log on to Online Banking any time to view current account activity. Don’t wait for your monthly statement
    • If you do not use Online Banking, carefully review your monthly statement and contact SCCU to report any suspicious activity.
    Members with a Space Coast Credit Union Visa® Debit or Credit card, and Members with an Eastern Financial MasterCard® MoneyPlus Debit card 

    During business hours:

    Immediately CALL SCCU's Member Service Center, or visit any of our branches to report the problem. 

    Please have the following information available: 
    • Name
    • 16 Digit Card Number
    • Social Security Card

    If you are reporting a fraudulent transaction, please also provide the following information: 
    • Type of transaction (debit or credit)
    • Date of transaction(s)
    • Merchant(s)
    • Dollar Amount(s)
    To report by phone during business hours:
    • Brevard: 321-752-2222 Option 5
    • Broward: 954-704-5000 Option 5
    • Miami-Dade: 305-882-5000 Option 5
    • All Other Areas: 800-447-7228 Option 5
    An Associate will assist you. Your card will be blocked to prevent fraudulent activity. You will receive a new card within 10 days. Your Associate will discuss any further action to be taken on your part, if that is applicable to your situation. 

    After business hours:

    Call SCCU and select the Credit/Debit (Option 3), and then select “report a lost or stolen card” (Option 2). 

    Please have the following information available:
    • Name
    • 16 Digit Card Number
    • Social Security Number
    • Dollar Amount(s)
    Please note the following important information: 
    • Your call will be rerouted to the Card Service System.
    • The only action that will be taken during an after hours call is to block your card.
    • Please contact SCCU as soon as possible after reporting your card problem, so that an Associate can assist you with the additional actions necessary to restore your account.
    Can’t get through?

    If, for any reason you cannot reach SCCU, you may call the national Card Service Center using the numbers below to report your card as lost or stolen so that it will be blocked to prevent fraudulent use. Please contact SCCU as soon as possible so that we may assist you in restoring your account. 
     
    Card Service Center: 800-472-3272 
     
    Fraudulent Transactions:

    PLEASE NOTE that when you report a fraudulent transaction, you will be asked to: 
    • File a police report
    • Complete a signed statement detailing the fraudulent activity
    An Associate will provide the steps you need to take based on your particular situation. SCCU will provide any needed forms. 
     
    Members with an Eastern Financial MasterCard® Credit Card

    To report a MasterCard Credit Card lost or stolen, or to report fraudulent activity, please call the MasterCard Credit Card Lost/Stolen System at: 866-839-3485. 

    Members with an Eastern Financial HELOC Platinum Visa® Credit Card

    To report a HELOC Credit Card lost or stolen, or to report fraudulent activity, please call the Card Holder Services partner at: 800-449-7228. 
     

  • What is Direct Deposit?
    Direct Deposit is the electronic deposit of your paycheck, pension, annuities, dividends, Social Security benefits, expense reimbursements or other recurring payments into your checking or savings accounts. 
     
    Advantages:
    • It's safe. There are no checks to be lost or stolen, and safeguards are in place to protect the transfer. You will still get a pay voucher from your employer for your records. 
    • It's quick. Your money is available for your use on the day of payment. 
    • It's convenient. Your money is available regardless of whether you're away from your home or office, or simply too busy to make a deposit in person. You can even have your direct deposit divided among several SCCU accounts. 
    • We'll let you know when your deposit is received.  Simply set up a free Online Banking email alert. Log on to Online Banking, click on the "Alerts" tab, and follow the onscreen instructions. 
       
    Employer Participation

    Most area employers offer, or even require, Direct Deposit. Your employer can require that you receive your pay via Direct Deposit, but cannot require you to use a particular financial institution. Employers are NOT required to allow you to divide your paycheck among multiple accounts or financial institutions. 

    If you want to direct your paycheck to SCCU, ask your Human Resources department for directions. Generally, you will have to complete a form that includes your name, SCCU's Routing Number, and the electronic account number for your SCCU account. 
     
    Most companies will accept SCCU’s universal Direct Deposit form. Please print, complete and bring to your employer’s Human Resources department. 
     
    Use this information when you complete your Direct Deposit form:
    Space Coast Credit Union
    Routing Number: 263177903
    P.O. Box 419001
    Melbourne, FL 32941-9001 

    SCCU's Routing Number and your 13-digit electronic checking account number are printed along the bottom of your SCCU checks. You may also call the Member Service Center for assistance. 

    You may also have payments deposited to any SCCU savings account; simply provide your account number, to your employer along with the SCCU routing number. 

    SCCU Routing Number: 263177903
     
  • 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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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.