Online Access — SPC CU (2023)


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ItsMe247 Online Banking

INTRODUCING ItsMe247Online Banking, our new full-featured online banking platform. ItsMe247 will allow you the freedom to bank online, WHEN and HOW you want. It’s online banking made with our members in mind.

ItsMe247 makes it so easy to manage your financial wellness. View all account information online, from savings and checking accounts to certificates, loans and credit card accounts. You can even see images of cancelled checks with a click of the mouse and can give your accounts “nicknames” to make it easier to keep track of them.

With It’sMe247 Online Banking you can:

o View account balances, histories and status

o Access SPC Bill Pay

o View Check Copies

o View pending ACH transactions and even authorize early deposits with ACH On-Demand

o Request stop payments or account updates, including address, phone and email

o Find tax and paid dividends/interest information

o View E-Statements

o Perform or schedule funds transfers

o And much, much more!

GETTING STARTED To get started, visit, click on the "Online Banking" box toward the top, left-hand side of the page and follow the steps below:

o Username: For all users, your username/login will be your SPC member number. You will then have the option to create a new username if you choose.

o Passwords: For all users, the eight-digit password will be the last four digits of the PRIMARY member's SSN and four-digit birth year. You will be prompted to create a new password after you log in for the first time and that will be your password going forward.

Troubleshooting your Online Banking login:

o If you have already set up a new username for your Online Banking account, you will no longer be able to use your account number to login. If you have forgotten your username, you will need to contact an SPC Associate at 843.332.4506 or email us at

o If you have been locked out of your account after too many failed attempts to login, you will need to contact an SPC Associate at 843.332.4506 or email us at

Whether you're at home, in the office, or on the road, you can take care of business quickly with SPC Mobile Banking's ItsMe247 App. The SPC Mobile Banking app is a free, secure online banking application that gives members 24/7 access to your account information.

  • Deposit a check or make a payment with Mobile Deposit

  • Set and change password, security questions, and personal information

  • View account balances and details for savings, checking, certificates, and loans

  • View funds on hold for savings and checking

  • View pending ACH transactions and even authorize early deposits with ACH On-Demand

  • View your secure Message Center

  • Perform instant transfers between accounts

  • Pay bills

  • Apply for a loan

  • The option of using PIN, facial, voice, and thumbprint recognition, or standard username and password to login

  • View Check Images

Haven't Downloaded the SPC Mobile Banking App?

The new SPC Mobile Banking App is available for both Apple and Android phones. Search for "SPC Credit Union' in your Apple or Android app store. Once you’ve downloaded the app, login using your existing ItsMe27 Online Banking credentials to get started!

Needmore informationabout the SPC Mobile Banking App?Contact usand we will set you up with a temporary login right away!

SPC Mobile Deposit

Mobile Deposit is offered through our SPC Mobile Banking App to qualifying* accounts. Our Mobile Deposit Service allows you to deposit a check or make a payment to your SPC account using your Apple or Android mobile device. That means you can make mobile deposits or payments anywhere, any time of day.

NOTE: You must be enrolled in ItsMe247 Online Banking to use Mobile Deposit through the mobile banking app.

Watch a short video on how to use Mobile Deposit:Depositing a Check Remotely

MoneyMap Budgeting Tool

MoneyMap is your personal budget and finance management tool integrated right into SPC Online Banking and the SPC Mobile app. MoneyMap gives you control of ALL your financial information—including your SPC account, other bank or credit union accounts, investment firms, credit cards, loans, etc.! MoneyMap is designed to make budget and finance easy to understand and even easier to do. Now you can take control of your money and build long-lasting financial strength with the tools and resources to do it right at your fingertips.

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Now, you don’t need to log in to every single account you have to view balances or recent transactions. This resource empowers you to take control of your finances, from tracking your spending, to creating your own personal debt plan.

  • View Accounts - Get a complete picture of your finances in one place. MoneyMap’s Aggregation tool takes all of your various account balances from SPC and other organizations and puts them in one place that is easy for you to understand.

  • Bubble Budgeting - Clearly see the categories where you spend the most. We understand not all budgets are created equal, so “bubbles” or circles are used to represent budgets to help you quickly identify the areas that need the most attention.

  • Track Spending - With MoneyMap’s expense tracking feature, you don’t just track spending, you get to know and understand how you spend money.MoneyMap automatically categorizes and tracks spending.

  • Debt Management - Create a custom financial plan that fits your lifestyle so you can stay on track with your budget, and take the right steps to reduce debt. This tool is designed to give you step-by-step instructions on how to get out of debt. Use visualizations to better understand your debt and how it’s being paid down.

  • Net Worth Tracking - The Net Worth tracking tool gives you the big picture of your finances to help you understand if you’re moving in the right direction toward your goals. Whether you want to retire early or simply build up your savings, MoneyMap has a tool to help!

  • Mobile MoneyMap - You can access MoneyMap through the SPC mobile app, so you can keep tabs on your spending, saving, and budgeting wherever you are!

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Get Started In The SPC Mobile App

  1. Log in to the SPC Credit Union Mobile App

  2. Tap More in the bottom right

  3. Tap MoneyMap from the list of options

  4. Follow the on-screen prompts to create your profile

Get Started On A Computer

  1. Log in to SPC Online Banking on a desktop or laptop computer

  2. From the Go Mobile tab, click the MoneyMap button

  3. Click “Enroll into MoneyMap”

  4. Follow the on-screen prompts to create your profile


CardValetlets 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 from the Apple Store or Google Store to your smartphone, then customize usage settings and alert preferences to manage your cards.

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CardValet 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

(Video) SPC Credit Union Intro


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 for our Debit and Credit Cards! 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 Centerbetween the hours of 8 am and 9 pm EST.

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

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 or credit 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.

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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 or credit 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 yourphone is not in range of a transmission site, or if sufficient network capacity is notavailable at a particular time. Even within coverage, factors beyond the control of yourwireless 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

Managing your finances is easier than ever with SPC Bill Pay! Manage all your bills in one location: no more envelopes, stamps or trips to the post office.

Your upgraded SPC Bill Pay dashboard allows you to view payees, upcoming bills, payment history and account balances at a glance.

Plus, you can make a payment with just one click from your dashboard. Here’s how easy it is.

a. Click the SPC Bill Pay tab in ItsMe247 Online Banking or SPC Mobile Banking to access the Bill Pay home page dashboard

b. Find your payee

c. Enter the payment amount and date

d. Click “Submit”

If you need to add a new payee, just select the “Add a Payee” button at the top of your dashboard.

For more information about adding payees and scheduling payments, go to the “Help” tab in Bill Pay.

SPC eStatements

SPC eStatements are electronic versions of SPC’s paper statement, allowing members to view a copy of their monthly statement anytime on ItsMe247 Online Banking.eStatements 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 eStatements 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 Online Bankingand choose E-Statements tab.

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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 ItsMe247 Online Banking and click on the “Manage Your Card” 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.

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