Online Access


SPC NETBRANCH - PC Account Access


SPC NetBranch™ is SPC’s electronic branch. It provides secure and easy access to SPC Credit Union accounts from the convenience of your personal computer.  This FREE service offers:


Members who have never used NetBranch can now enroll themselves in NetBranch. Use the "Not Enrolled, Enroll Now" link on the main page. Self enrollment is not available for business accounts. Please contact Financial Services at 843-332-4506 for business account NetBranch enrollment.

Your login name can now be anything as long as it is not currently in use.

This gives you the power to allow other NetBranch members to view, access or transfer money between accounts according to the permissions you enable.  

This allows you to give access to others who don't currently have a NetBranch account based on the permissions you set up. Each sub-user can have a unique log-in and password.

E-Alerts can be used to send your email notifications for numerous occasions, including when certain checks clear or when your account reaches a certain balance.

Other great features include:

  • Bill Pay

  • Loan and Credit Card Payments

  • Automatic Transfers

  • Viewable Check Copies

  • E-Statements

  • SPC VISA® Credit Card Statements

SPC NetBranch™ employs industry leading security features to ensure that all of your transactions are conducted with the highest possible privacy and protection.

For information about SPC NetBranch, please contact Financial Services.



Our updated Mobile Banking App is now available for download.

The features of our latest update include:

  • New and improved design

  • Intuitive and easier navigation

  • Touch optimized screens and controls

  • Remember me login

  • And more!

SPC Mobile* also includes these great features:

  • View your account balances and history

  • Transfer money between savings, checking and shared accounts

  • Pay bills quickly with Bill Pay**

  • Make loan payments

  • PopMoney - person-to-person payment

  • Branch and ATM locations

  • View current rates

  • And more!

Download our App from the Apple Store or Google Play.*** Search for “SPC Mobile” or "SPC Credit Union" and download. Then enter your NetBranch login name or number for Username to get started. 

 For a complete list of approved devices, click here.

 *Enrollment in NetBranch is required to use this product.

**Bill Pay is an optional service.  SPC Bill Pay is provided at no charge for the first two months. Bill pay users must remain active by processing at least one bill per month to avoid a $5.95 maintenance fee. Additional fees may apply.

***Message and data rates may apply.

SPC Mobile Deposit

SPC now offers Mobile Deposit/Capture through our mobile banking app to qualifying* deposit accounts. Our Mobile Deposit Service allows you to deposit a check to your SPC account using your Apple or Android mobile device. That means you can make mobile deposits anywhere, any time of day. Funds may be available on the same business day if deposited before 2:30pm, or next business day if deposited at 2:30pm or later.

Please note: You must be enrolled in NetBranch Online Banking in order to use Mobile Deposit through the mobile banking app.

Not enrolled in Online Banking? Click here to enroll.  

Download our Mobile Banking App.

Review How To Make a Mobile Deposit to learn more.

Watch a short video on how to use SPC Mobile Deposit: Click Here

*Log in to SPC Netbranch to view our Mobility Disclosure for requirements, usage and eligibility for this service. 



CardValet lets you take control of your debit and credit cards by giving you the ability to define when, where and how your cards are used. Simply download the CardValet app to your smartphone, then customize usage settings and alert preferences to manage your cards.

Usage Controls
CardValet can manage and track specific types of debit and credit card transactions – or quickly detect unauthorized or fraudulent activity. You can customize your experience by choosing from a variety of options.

Card On/Off Setting

  • When the card is "on," transactions are allowed in accordance with their usage control settings.

  • When the card is "off," no purchases or withdrawals are approved until the card is subsequently turned back "on." This control can be used to control spending, disable a lost or stolen card, or prevent fraudulent activity in the case of a data breach.

Card Controls

  • Spending limits can be established to allow transactions up to a certain dollar value and decline transactions when amounts exceed defined thresholds.

  • Transactions can be controlled and monitored for specific merchant categories such as gas stations, department stores, restaurants entertainment, travel, and groceries.

Location-Based Controls

  • The My Location control can restrict transactions to merchants located within a certain range of a cardholder's location (using the phone's GPS); transactions requested outside of the specified range can be declined.

  • The My Region control uses city, state, country or zip code on an expandable interactive map; transactions requested by merchants outside of a specific region can be declined.

Alerts can be set up to keep users informed of specific types of debit and credit card transactions. CardValet can send an alert when a card is used or when a card transaction has been attempted but is declined – and additional customizable alert options are available. The alert is sent in real time, immediately after the transaction has taken place or has been declined.

Additional Capabilities
CardValet also lets you conduct card-related mobile transactions wherever you are, any time of the day. Supported transactions include:

  • Real-time balance inquiries

  • Locating ATMs

Download the CardValet app from the Apple app store or Google Play store today!




As a member of SPC Credit Union, your financial security is our top priority! SPC continually monitors our members’ cards for fraudulent activity. We are excited to bring you another level of security by introducing Fraud Text Alerts! Beginning May 1, 2019, if our fraud monitoring service detects a suspicious transaction on your account, we will alert you via SMS/text message of the transaction.

How do I enroll in fraud alerts?

If you have provided SPC CU with a mobile phone number, you are automatically enrolled and will begin receiving fraud alerts by text message. Text messages will be sent from the SPC Fraud Center between the hours of 8 am and 9 pm EST.

Important: Fraud Text Alerts are available for debit card transactions only.

What happens if there is a suspicious transaction on my card?

When our real-time fraud monitoring service detects a suspicious transaction on your SPC debit card we may block your card immediately for your protection. If you confirm that the transaction is legitimate, your card may be available for immediate use.

How will I be alerted of a suspicious transaction on my card?

Fraud text alerts are delivered by SMS/text message. If you do not respond to the text message within fifteen (15) minutes, you will receive a call to the phone number we have on file. 

Should I respond to a fraud alert?

Yes. For your account security, it is important to respond to fraud alerts. This allows us to take immediate action to protect your account (if the charge was indeed fraudulent) or allow your account to be available for future transactions (if the transaction was authorized). If you don’t respond to any of the calls or text messages, it may disrupt your ability to make purchases with your debit card.

Will I be charged for fraud alert texts?

No. SPC’s card processor supports Free-to-End User two-way text messages alerts, which allows you to receive and reply to without incurring charges from your wireless carrier.

What do the SMS fraud text message look like?

Sample SMS Text Messages:

SMS Alert FreeMSG:

FreeMSG SPC Credit Union Fraud Center 8772538964 $125.46 on card 1234 at Macy’s. If valid, reply YES, fraud NO. To Opt Out, STOP.

SMS Response to YES FreeMSG:

FreeMSG SPC Credit Union Fraud Center 8772538964 Thank you for confirming this activity. You may continue to use your card. To Opt Out reply STOP.

SMS Response to NO FreeMSG:

FreeMSG SPC Credit Union Fraud Center 8772538964 Your response has placed a block on the card. Call us immediately at 8772538962, avail 24/7. To Opt Out reply STOP.

Can I opt out of receiving fraud alert messages by text?

Yes. If you receive a fraud alert by text, please first confirm if the transaction was authorized. Next, simply respond “STOP” to the text message.

By opting out, you will continue to receive fraud alerts by phone. However, text message fraud alerts are a great way to receive notification in real-time when there is a suspicious transaction on your card. This allows you to take immediate action to help protect your account.

Important Notice: Fraud alerts sent via SMS/text may not be delivered to you if your phone is not in range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of your wireless carrier may interfere with message delivery for which they are not responsible.

Fraud alert important steps to take:

1. Update your contact information with SPC Credit Union (if necessary). Have you moved recently or changed your mobile phone number? Please let us know. We need your updated contact information so you can receive important alerts about your accounts.

2. If you are concerned your card has been compromised but have not received a fraud alert, please call the SPC Credit Union Fraud Center at 877.253.8962 or stop by your nearest branch. 

3. To further prevent unauthorized use of your SPC debit or credit card, consider SPC Card Valet. Through controls, alerts, and the ability to turn your card(s) on/off, you can respond quickly and effectively to potential fraud. Visit SPC Online Access for more information.

Reminder: SPC Credit Union will NEVER send you a message asking for your personal or account information. If you receive a message asking for this type of information, contact SPC immediately and do not respond to the message.


SPC Bill Pay



With SPC Bill Pay* you can pay your bills from the convenience of your home or office - no more envelopes, stamps or trips to the post office. 
SPC Bill Pay is provided at NO CHARGE to ACTIVE Bill Pay Members**


Less Stress: Manage all of your bills in one location. Some payees also allow you to send your bill/statement directly to Bill Pay.

Peace of Mind: Know exactly when your payment will be received thanks to the CheckFree Guarantee.


  • Use the "Transfer Money" tab to transfer funds between SPC Credit Union and other financial institutions.

  • Use PopMoney to send money to anyone you know. You just need the email address or mobile phone number of the recipient.

  • Use Same-Day Option on select payees if you need to pay a bill at the last minute.


To enroll in Bill Pay, click the "SPC Bill Pay" tab within your NetBranch account.

*Enrollment in NetBranch is required to use this product
**SPC Bill Pay is provided at no charge for the first two months. Bill pay users must remain active by processing at least one bill per month to avoid a $5.95 maintenance fee. Additional fees may apply.


SPC eStatements



eStatements is an electronic version of SPC’s paper statement allowing members online access at SPC NetBranch™.  eStatements look very similar to paper statements and can be viewed anytime, day or night. Statement history is stored up to 18 months making tax time easy!

Extensive security precautions have been taken to ensure confidentiality. Not only can members use eStatement to reconcile their checkbook, but they can view copies of checks cleared at no charge!! 

To sign up for SPC eStatements simply log in to SPC NetBranch and choose E-Statements in the Services section of the Tool Bar on the left.



VISA® Credit Card Account Access


For up-to-date information on your SPC VISA®, your statement is as close as the click of your mouse. To view your statement, simply log into SPC Netbranch and click on the VISA® information shown in your Account listings. You can:

  • View and print recent card activity

  • View limits, balances and current payment information

  • View or download card history


Web Disclaimer



The following terms of use apply to your access to and use of SPC Credit Union's Web site. These terms and conditions are important - please take a moment and read them carefully. By accessing any page of our Web site, you agree to be bound by these terms, whether or not you are our member. If you do not agree to the following terms and conditions, do not access this site or any page thereof.

General Information:
All of the information and contents of our Web site are subject to change without notice. Not all products and services are available in all geographic areas. Your eligibility for specific products and services is subject to determination and approval by us. 

Disclaimer of Warranties and Liabilities
All information provided on this Web site is believed by us to be accurate and reliable as of the date posted on the site. However, due to the possibility of human and mechanical error, as well as other factors, we are not responsible for errors in or omissions from the information contained in this Web site. All of the information, materials, and functions contained in our Web site are provided on an "AS IS" basis without warranties of any kind, either express or implied, including, but not limited to, warranties or merchantability, fitness for a particular purpose, or freedom from computer virus. We do not warrant the adequacy, accuracy, timeliness, or completeness of the information and materials included in our Web site or in other sites linked to or from our Web site, or that the functions provided will be uninterrupted or error-free, and expressly disclaims any liability for any errors in or omissions from information, materials and functions included in our Web site or any other sites linked to or from our Web site. 

In no event will we be liable for any direct or indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with your use of this Web site, or any interruption in the availability of our Web site, delay in operation or transmission, computer virus, loss of data, or otherwise, even if we have been advised of the possibility of such damages or losses. 

User Indemnification
You agree to indemnify, defend and hold us harmless from any liability, loss, claim and expense, including attorneys' fees, related to your violation of these terms and conditions or the use of the services and information provided at this Web site. 

Privacy and Use of Information
We understand that you are concerned about privacy. To review how we treat information provided to us on our Web site, please refer to the Privacy Policy.

Links to Other Web Sites
Our Web site may contain links to other Web sites. Such links are not endorsements of any products or services in those sites, and no information in such sites has been endorsed or approved by us. We are not responsible for the content, accuracy, or opinions expressed in other Web sites, and such Web sites are not investigated, monitored, or checked for accuracy or completeness by us. Links to non-SPC Credit Union Web sites are provided solely for the purpose of providing easy navigation to information that may be useful to users of our Web site. 

The content, organization, gathering, graphics, design, software, compilation, magnetic translation, digital conversions, and other matters related to this Web site are protected under applicable copyright, trademark, and other proprietary rights, including but not limited to, intellectual property rights. Furthermore, the copying, redistribution, alteration, use, or publication by you of any content or part of this Web site is prohibited without our prior written consent. You do not acquire ownership rights to any content or document obtained by or through this Web site. 

Location of Operations, Governing Law, and Consent to Jurisdiction
This Web site (excluding linked sites) is controlled by SPC Credit Union from its offices in the State of South Carolina, United States of America. While you may choose to access our Web site from other locations, we make no representation that any information, materials, or functions included in our Web site are appropriate or authorized for use in other jurisdictions. Your access from other locations is made on your own initiative; you, and not us, are responsible for compliance with any applicable local laws and regulations. 

Your access to and use of our Web site and these terms are governed by and will be construed in accordance with the laws of the State of South Carolina without regard to principles of conflicts of laws, to the extent not pre-empted by federal law. In the event that any provision of these terms is held unenforceable, it will not affect the validity or enforceability of the remaining provisions. 

In the event of a dispute concerning or relating in any way to this Web site, you and SPC Credit Union hereby submit to the exclusive personal jurisdiction and venue of the State and Federal Courts located in the State of South Carolina with respect to such matters.