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  • Frequently Asked Questions


  • How does this affect me?
    Some electronic transactions, such as checks converted to electronic processing and bill payments, will be processed multiple times throughout the business day. These transactions may not appear as a pending transaction prior to posting to your account. This faster processing may cause some electronic debit transactions to clear your account on the same day that you make the transaction.

    Please ensure funds are available in your account prior to initiating debit transactions to avoid any insufficient funds activity that may occur due to the expedited processing of these transactions.
  • What are the benefits of Same Day ACH debits?
    “Same Day ACH debits” will enable you to make faster and easier on-time bill payments.
  • What is ACH?
    Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. ACH processes large volumes of credit and debit transactions in batches. ACH credit transfers include direct deposit, payroll, and vendor payments.
  • What is an ACH (Automated Clearing House) payment/debit?
    ACH payments are electronic payments that are created when the customer gives an originating institution, corporation, or other customer (originator) authorization to debit directly from the customer’s checking or saving account for the purpose of bill payment.
  • What is changing?
    Currently most electronic payments are processed once per day. Beginning September 15, 2017, these payments may be processed throughout the day.
  • Why was my ACH payment rejected?
    When an ACH debit is presented, the system looks at the balance of the account as well as any holds, due to pending debit card transactions or check holds, to determine if an item can be paid.
  • Will my direct deposit be affected?
    No. Your direct deposit will continue to post to your account on or just before the actual effective date. Prior day or current day debits received before deposits are posted may incur an overdraft fee if funds are not present when the item is processed.
  • 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.

Space Coast Credit Union (SCCU) © 2019



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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.