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Space Coast Credit Union
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Checking Accounts

The Checking Account Options You Need!

A checking account is for your everyday expenses and transactions. We offer different checking accounts to meet our members' varying needs, and they all feature electronic services for convenience and security. Plus, at SCCU, members get their direct deposits up to two days early!42
 
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Free Checking

Free Checking

Our most popular checking account comes with all the convenience and none of the fees. No minimum balance, no monthly maintenance fee and no direct deposit or transaction requirements. Simply free!

Interest Checking

Interest Checking

All of our great checking benefits plus earn interest on your eligible balances. SCCU has competitive rates and the features you need for convenient, secure everyday banking.

Student Checking

Student Checking

Students age 13-17, begin your financial journey by opening an SCCU Student Checking Account today!

Health Savings Checking

Health Savings Checking

This interest account is here to help individuals who have high-deductible health plans save for future qualified medical expenses.
Free Checking

Our most popular checking account comes with all the convenience and none of the fees. No minimum balance, no monthly maintenance fee and no direct deposit or transaction requirements. Simply free!

Apply Now 		Health Savings Checking

This interest-earning account is there to help individuals who have high-deductible health plans save for future qualified medical expenses.

Visit a Branch to Open 		Interest Checking

All of our great checking benefits plus earn interest on your eligible balances. SCCU has competitive rates and the features you need for convenient, secure everyday banking.

Apply Now 		Student Checking

A free checking for students age 13-17 with all of the features needed to experience managing money.

Apply Now
Minimum opening deposit
Minimum opening deposit
$25
Minimum opening deposit
$0
Minimum opening deposit
$25
Minimum opening deposit
$25
Minimum daily balance
Minimum daily balance
None
Minimum daily balance
None
Minimum daily balance
$1,500
Minimum daily balance
None
Monthly low balance fee
Monthly low balance fee
None
Monthly low balance fee
None
Monthly low balance fee
$15/mo
Monthly low balance fee
None
Requires an adult joint account holder
Requires an adult joint account holder
No
Requires an adult joint account holder
No
Requires an adult joint account holder
No
Requires an adult joint account holder
Yes
Monthly service fee
Monthly service fee
None
Monthly service fee
None
Monthly service fee
None
Monthly service fee
None
Funds can only be used for qualified medical expenses
Funds can only be used for qualified medical expenses
N/A
Funds can only be used for qualified medical expenses
Yes
Funds can only be used for qualified medical expenses
N/A
Funds can only be used for qualified medical expenses
N/A
Earns Interest
Earns Interest
No
Earns Interest
Yes
Earns Interest
Yes
Earns Interest
No
Free Visa® Debit Card
Free Visa® Debit Card
Yes
Free Visa® Debit Card
Yes
Free Visa® Debit Card
Yes
Free Visa® Debit Card
Available with Parent or Legal Guarantor
Apply Now Visit a Branch to Open Apply Now Apply Now

Frequently Asked Questions

You may order checks in Online Banking, at any SCCU branch, or by visiting the below ordering links:

Order Personal Checks
Order Business Checks

You may also call the Member Service Center at your local number below:

Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-500
All Other Areas: 800-447-7228

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The cost for checks can vary depending on the design and quantity you choose. 

You may order checks conveniently through your secure online banking account. Members may also call the Member Service Center, or visit any branch location to order.

IMPORTANT INFORMATION FOR ORDERING 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
  • Please note that failure to use the correct numbers may result in delayed or denied payments


If you are re-ordering checks with no changes (same style, information, and shipping address as last order), please click here.

 

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Yes! Space Coast Credit Union is proud to offer absolutely free checking with no monthly fees, no minimum balance, no transaction fees, no direct deposit requirement, free statements, and more.

Learn more about SCCU Free Checking here.
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If you need a new or replacement credit or debit card, you can call our Member Service Center, visit any of our branches or submit a request via Online Banking.
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During business hours:
Immediately call SCCU's Member Service Center, visit any of our branches or send a secured message via Online Banking to report the problem. You can also access Card Controls in the Mobile Banking app to turn cards off/on to prevent additional transactions from occurring.
 
Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
 
A team member will assist you. Your card will be blocked to prevent fraudulent activity. You will receive a new card within 8 calendar days. A team member will discuss any further action to be taken on your part, if that is applicable to your situation.

Please have the following information available:

• Name
• 16 Digit Card Number
• Social Security Number
• Member Number

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)
 
After business hours:
Call SCCU at your local number below, and choose Option 1 for Telephone Banking or the Member Service Center. Then, Option 0 for After Hours Card Support.

Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
 
Please have the following information available:
• Name
• 16 Digit Card Number
• Social Security Number

Please note the following important information:
• Your call will be rerouted to After Hours Card Support.
• The only action that will be taken during an afterhours call is to block your card.
• Please contact SCCU during normal business hours as soon as possible after reporting your card problem, so that a team member can assist you with the additional actions necessary for your account.
Members with an Eastern Financial MasterCard® Credit Card or HELOC Platinum Visa® 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.
• 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.
Don’t forget to monitor your account for unauthorized activity, and report any suspicious transactions to SCCU.
• 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.
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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 Overdraft Privilege and charged $30 per item
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2Way Text Fraud Alerts help to protect you by immediately alerting you of a possible fraudulent transaction on your card through text. Through this service you can respond to potential threats in real time by texting back YES to verify the transaction or NO to confirm the transaction as fraudulent behavior. This will allow you and SCCU to take quicker action to prevent further fraudulent activity on your account. 
 
This feature is in addition to our current fraud alerts program. Now you will receive real time alerts three different ways - email, phone, and text.  
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SCCU’s Check Hold Policy includes $225 next day availability. Most accounts will have a 2-day hold, with the exception of accounts in their first 30 days, which have a 5-day hold. Longer holds or reduced same day availability may apply.
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SCCU's routing number is 263177903. You will need SCCU's routing number and your 13-digit electronic checking account number to accurately order your SCCU checks. Your 13-digit electronic checking account number can be found on your monthly print or electronic 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.
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FreeMSG SPACE COAST CU Fraud Center
877-XXX-XXXX $125.46 on card 1234 at
Macy’s. If valid reply YES, fraud NO. To Opt
Out, STOP.
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See all Checking/Debit FAQs
See our Visa Guide to Benefits