ONLINE BANKING
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Check out our Frequently Asked Questions section. If you still cannot find the information you are looking for, please Contact Us for more assistance.

Frequently Asked Questions

Banking (general)

Q How do I open an account at First Federal of SC, FSB?
A To open an account at First Federal of SC, FSB, please visit any of our convenient office locations and speak with a Customer Service Representative. You will need to have your valid South Carolina driver’s license or South Carolina identification card and your Social Security number with you when you come to open an account.

Q What do I do if my ATM or Debit card is lost or stolen?
A If your First Federal of SC, FSB ATM or Visa debit card is lost or stolen during business hours, please call a customer service representative at any of our convenient office locations; after business hours, please contact the Hot Card Service Center at 1-800-554-8969.

Q What is the maximum daily ATM cash withdrawal limit?
A The maximum daily cash withdrawal limit from your First Federal of SC, FSB ATM card is $300.00.

Q What is the maximum point of sale withdrawal amount for my First Federal of SC, FSB Visa debit card?
A The maximum daily point of sale withdrawal limit from your First Federal of SC, FSB Visa debit card is $500.00.

Q Are First Federal of SC, FSB deposit accounts FDIC insured?
A Yes! FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities. The standard insurance amount is $250,000 per depositor, per insured bank for each account ownership category.

The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met.

For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Q Can I get information about my account by phone?
A Yes! Account information is available through our Automated Telephone Teller service 24 hours a day.

Online Banking

Q How do I access online banking?
A When using online banking for the first time, click the "First Time User" link under the Online Banking login box. Read and accept the "Terms & Conditions." You will be required to enter your SSN, account number, and other personal identification questions; then click submit.

Q What do I do if my online banking password has been lost or stolen?
A If your password has been lost or stolen, call First Federal of SC, FSB immediately at (843)-549-2526, between 8:30 am - 5:00 pm Monday through Thursday and 8:30 am through 6:00 pm on Friday EST. Telephoning First Federal of SC, FSB is the best way of minimizing your losses. You may also restore the security of your service by immediately changing your password. If you believe your password has been lost or stolen and you notify us within two business days after you learn of the loss or theft, you can lose no more than $50.00 if someone uses your password to conduct unauthorized electronic funds transfers without your permission. If you do NOT notify us within two business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password to conduct unauthorized electronic funds transfers without your permission if you had told us, you could lose as much as $500.00.

Q How frequently is my First Federal information updated?
A All customer transaction information is processed in “real time” during business hours. At First Federal of SC, FSB, there are no deadlines for deposits or payments; as long as the transaction posts during business hours, your account will immediately reflect the transaction. All online transaction requests received after 7:00 p.m. EST, or on a non-business day, will be processed immediately, but will not appear in the online history until the following business day.

Q Are there any transaction limitations on my First Federal of SC, FSB accounts?
A Yes. Because regulations require First Federal of SC, FSB to limit pre-authorized transfers (including online banking transfers), the following limitations apply:

  • Statement savings account - You can make no more than six (6) transfers per statement period by pre-authorized or automatic transfer, or by telephone or online banking. Transactions over these limits will incur a $1.00 fee (per transaction).
  • Money Market account - You can make transfers to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties which are limited to six per statement cycle.

Q I'm still hesitant about banking online. Can other people see my account information?
A Your account information is just as secure as it is at your physical brick and mortar bank. We've taken every step possible to be sure our system meets the latest security standards, including using the latest security encryption methods and software.

Q I keep hearing a lot about encryption? What exactly is it, and why does it make everything more secure?
A Encryption is basically a way to rewrite something in a secret code that can only be decoded by the intended recipient (who has the right key). The encryption we use employs a mathematical process for the key which is made up of a certain number of bits (hence, 128-bit encryption); the higher the number of bits, the better the encryption. While using our online banking system, all communication from you to the system and from the system to you is encrypted using a maximum of 128 bits. In other words, when you send information to the system, your browser encrypts it using a 128-bit key, and then sends it to the system. The system then decodes the information you sent it using the key (which is predetermined when your online banking session is started) and processes it.

Electronic Bill Payment FAQs

Q What is Electronic Bill Payment?
A The Bill Payment Service permits you to use your Internet-enabled device to direct payments from your designated on-line WebPay account to third parties you wish to pay and who accept Bill Payment Services. Through the Bill Payment Service, you can pay bills from your WebPay account to:

  • Business payees-- any business, merchant, or professional that generates a bill or invoice for products or services provided to you on your behalf and that has an address we can verify
  • Individual payees-- payments made to individuals, family, or friends for non-business purposes.

Q What types of payments can I set up through the Electronic Bill Payment System?
A Through the WebPay service, you may set up:

  • Single payments-- a payment to be made to a payee one time
  • Recurring payments-- payments of fixed amounts to a single payee at recurring intervals (e.g., weekly, bi-weekly, monthly, bi-monthly, quarterly, annually or semi-annually).
    All payments you make will be deducted from the account that you designate as your Bill Pay Account on the payment initiation date.

Q What happens if there are insufficient funds available in my account to make a payment I have scheduled?
A Funds must be available in your WebPay account, including overdraft lines of credit, on the scheduled payment initiation date. If the payment initiation date falls on a non-business day (i.e., Saturday, Sunday or holiday), funds must be available in your Bill Pay Account the following business day (i.e., Monday). After funds are withdrawn from your WebPay account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check.
If your WebPay account does not have sufficient available funds to make a payment as of the payment initiation date, the payment will be canceled and no further attempt will be made by First Federal of SC, FSB to make the transfer or payment. First Federal of SC, FSB will attempt to notify you by e-mail or U.S. postal mail, but First Federal of SC, FSB shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient available funds in your account to process a transaction.

Q How far in advance do I have to schedule an Electronic Bill Payment?
A You must schedule the payment initiation date at least four (4) business days before any payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If the actual due date falls on a non-business day, you must select a scheduled payment date that is at least one (1) business day prior.

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