SPC Secure Checking
SPC Secure Checking features:
Free Personalized SPC My Style Debit Card
Electronic Statements* including up to 18 months history
No Minimum Balance Requirement
24-Hour Access via SPC NetBranch or SPC Mobile
Free ANYTIME Telephone Response System that allows you to inquire about balances or make transfers and withdrawals from a touch-tone phone
IDProtect® - Identity Theft Monitoring and Resolution Service¹
Credit File Monitoring - daily credit file monitoring² and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports (registration/activation required)
Identity Monitoring - monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others (registration/activation required)
3-in-1 Credit Report - request new report every 90 days or upon receipt of a credit alert (registration/activation required)
Credit Score - receive new single bureau credit score³ with every new credit report (registration/activation required)
Fully Managed Identity Theft Resolution Services - access to a fraud specialist assigned to manage your case who will work with you until your credit and identity are restored
Identity Theft Recovery Case Plan - to inform you of the recovery process
Up to $10,000 Identity Theft Expense Reimbursement Coverage⁴
Debit and Credit Card Registration (registration/activation required)
Online Identity Theft News Center and Valuable Phone and Web Resources (registration/activation required)
Up to $10,000 of Accidental Death & Dismemberment Insurance⁴
Cellular Telephone Protection⁴ (Cellular telephone bill must be paid with eligible account.)
Debit Advantage® - Buyer’s Protection⁴ and Extended Warranty⁴ (Item(s) must be purchased in full with eligible account.)
Travel and Leisure Discount Membership (registration/activation required)
Health Discount Savings⁵ - enjoy savings on vision, prescriptions, dental (registration/activation required)
$hopping RewardsTM (registration/activation required)
A $6.95 monthly service charge will apply.
For questions or additional information, please call 1-800-249-8459 or email firstname.lastname@example.org.
* $2.00 paper statement fee for members who opt out of electronic statement (excluding members under age 18; over age 65 or aggregate.
balances of $5000 or more). SPC Share Savings account required.
¹ IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
² Credit file monitoring may take several days to begin following activation.
³ Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness.
⁴ Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.
⁵ This is not insurance.
SPC ANYTIME Checking
ANYTIME Checking from SPC provides one of the most convenient and economical checking accounts around.
SPC ANYTIME Checking features
Personalize your Visa Debit Card with an SPC MyStyle Debit Card
Electronic statements*, including up to 18 months history
Dividends paid on balances of $5,000 or more
Free ANYTIME Telephone Response System that allows you to inquire about balances or make transfers and withdrawals from a touch-tone phone
SPC offers special accounts for students (13-17), young adults (18-25) and members 60+.
*$2.00 paper statement fee for members who opt out of electronic statement (excluding members under age 18; over age 65 or aggregate balances of $5000 or more). SPC Share Savings account required.
$5.00 small balance fee (excluding members under age 18; over age 65 or aggregate balances of $250 or more)
The SPC ANYTIME Card is a Visa debit card and an Automatic Teller Machine (ATM) Card in one. The ANYTIME Card can be used anywhere the Visa logo is displayed. The purchase is deducted from the Share Draft Checking account just like a check. The monthly checking statement shows all debit card purchases. No more writing checks! No more checkbooks! Just convenience!
Qualified members may obtain an SPC ANYTIME Visa Debit Card at no charge.
To report a lost or stolen SPC Anytime Visa DEBIT card, call 1-800-554-8969.
Celebrate your style with SPC MyStyle Cards! SPC MyStyle Debit Cards let you:
Express yourself with one of our MyStyle designs
Support your community - Local high school and charity cards include giveback to those organizations*
Receive your card right away with our instant issue
Select your own Personal Identification Number (PIN)
Cards are available for just $10.00 each.
To report a lost or stolen SPC MyStyle DEBIT card, call 1-800-554-8969.
*High schools and non-profits represented receive $1 for each card purchased with their design.
SPC Anytime ATM
SPC's Automatic Teller Machine service offers you 24 hour-a-day access to your money anywhere in the country. Your card may be used surcharge-free at any SPC ANYTIME ATM location. You may also avoid surcharges at most participating CO-OP ATM locations. Click here to locate an ATM near you.
SPC Anytime ATM card is a FREE service to qualifying members.
To report a lost or stolen SPC ATM card, call 1-800-554-8969.
SPC Overdraft Protection allows you to avoid the expense and embarrassment of having checks returned because of non-sufficient funds in your checking account.
Overdraft Coverage Options
The choice is yours. Consider these ways to cover overdrafts:
|overdraft protection link to another deposit account you have at spc credit union*
||$0 fee per transfer
|overdraft protection line of credit
||subject to interest (credit approval required)
|courtesy pay||$30 overdraft feeper item
Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account, or line of credit you may have at SPC Credit Union for finance charge. Please note that overdraft lines of credit are subject to credit approval.
Courtesy Pay allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Click here for more information on Courtesy Pay.
*Transfers may be limited based on account type.
SPC Primetime Checking
SPC Prime Time Checking is for credit union members age 60 and above. Services include many features our "prime time" members have earned. Prime Time members receive all the benefits of the SPC ANYTIME Checking Account plus these added features:
Free Prime Time Checks*
Free Travelers Checks
Free Notary Service
Free 3x5 Safe Deposit Box**
For more information or to open a Prime Time Checking contact Member Services or call us at 843-332-4506
*(1) Free Box Per calendar year. All current program members who are not yet age 60 will continue to receive one box of free checks yearly.
**Based on availability.
Allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction.
|Transactions covered with courtesy pay||Standard coverage(no action required)||Extended coverage(your consent required)*|
|ach - auto debits||x||x|
|recurring debit card payments||x||x|
|online bill pay items||x||x|
|internet banking transfers||x||x|
|teller window transactions||x||x|
|everyday debit card transactions
*If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Courtesy Pay coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage. You can discontinue the Courtesy Pay in its entirety by contacting us at (843) 332-4506.
If you would like to select Extended Coverage for future transactions, call us at (843) 332-4506 or visit any SPC branch location.
Courtesy Pay is a service offered to SPC share draft (checking) account holders. With Courtesy Pay, the Credit Union at its sole discretion may honor and pay checks, automatic debits (ACH), VISA Debit Card purchases, ATM withdrawals, and Bill Pay withdrawals drawn against a share draft (checking) account that does not have sufficient funds available at the time of the presentment.
Courtesy Pay is a way for us to help protect your account and reputation when an overdraft occurs. Courtesy Pay protects your good credit rating and:
Protects you from the embarrassment of returned checks
Protects you from merchant returned check charges
Protects you from collection agency fees
Courtesy Pay is not a loan and transactions are not reported on your credit report.
Frequently Asked Questions
How much does Courtesy Pay cost?
It is free until you use it. Then, a $30.00 Courtesy Pay fee is assessed. If you use Courtesy Pay for two overdrawn items, your account will be charged two separate fees ($30.00 for each overdrawn item, even on the same day).
How does Courtesy Pay work?
Overdrafts on your share draft (checking) account, up to a $600 limit [including the amount of the overdrawn item(s) and the Courtesy Pay fee(s)] may be honored by SPC Credit Union. A $30 fee will be assessed for each item that draws your account negative. You then have up to 30 days to bring the account current, either through a direct deposit, transfer of funds, or a deposit at one of our branch offices. Direct Deposit Account Holders may qualify for up to $750.
Do I have to apply for this service?
No. We require no application or additional signature. As long as your account is not drawn into the negative in the first 60 days, in good standing and you make regular deposits to the share draft (checking) account, your Courtesy Pay will be turned on.
What if I already have overdraft protection?
If you have established other overdraft protection methods, such as a line of credit or automatic transfer from your other accounts, we will always look to pay any overdraft by those other methods first before paying your overdraft utilizing Courtesy Pay.
What is the difference between Overdraft Protection and Courtesy Pay?
Overdraft Protection transfers funds from a previously designated account to pay the item. Overdraft Protection will NOT allow the account to go into a negative balance. There is no fee to sign up for Overdraft Protection (only when it is used). Courtesy Pay is a non-contractual courtesy, offered by SPC, to eligible members. This service pays items which would otherwise be returned as non-sufficient funds (NSF). There is a $30.00 fee for each item paid. Overdraft Protection always takes effect, first, before Courtesy Pay is utilized.
Is Courtesy Pay a loan?
No. It is a non-contractual courtesy that we extend to our Members who maintain their share draft (checking) accounts in good standing. This feature is discretionary on the part of the Credit Union. The words, “DISCRETION” and “DISCRETIONARY”, mean there is NO PROMISE TO PAY. The Courtesy Pay privilege is not guaranteed. Courtesy Pay can be taken away any time the Credit Union determines the account is no longer in good standing. Whether or not we decide to pay your overdraft item depends on how you manage your account.
How can I access Courtesy Pay?
Overdrafts may be paid using your Courtesy Pay funds up to the limits mentioned above for the following types of transactions:
POS/Debit Card Transactions
We strongly recommend you first perform a balance inquiry before making an ATM withdrawal. Should you request a withdrawal that puts your account into the negative, the ATM may honor that request by drawing on your Courtesy Pay limit and/or any other overdraft protection you may have with the Credit Union. The ATM receipt will show the amount withdrawn. It may not indicate your withdrawal has taken your account negative or accessed Courtesy Pay and/or other overdraft protection funds, or charged a fee.
With Courtesy Pay, aren’t you encouraging me to write bad checks?
No. We’re simply acknowledging that honest mistakes occur even among the best record keepers. With the Courtesy Pay program, we believe we are providing a valuable service. A fee will be assessed whether we pay or return an item that is presented against an account with insufficient funds to cover the item. Courtesy Pay allows us to pay the item and help you avoid additional fees. But in all cases, we encourage you to maintain your account in good standing, by:
Making deposits sufficient to cover transactions
Bringing the account to a positive balance at least once every thirty days
Not permitting administrative orders, judgments, or liens to be placed on the account.
Direct Deposit / Automated Clearing House (ACH)
The Automated Clearing House (ACH) is a nationwide electronic deposit and payment network. This system allows you to automatically deposit payroll, Social Security and Retirement checks directly into your credit union accounts. You benefit from knowing your checks have been deposited safely and conveniently with no waiting in line and no worry about lost mail.
Payroll Deduction is having a portion or the net amount of a member's paycheck electronically credited to various credit union accounts. This service is a convenient way for members to save regularly, pay on loans and make deposits to various credit union accounts.