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Debit Card Processing

How your transactions are handled

Debit card transactions made with a PIN are subtracted from your account immediately while those made signing your name go through a pre-authorization process.

State Credit Union uses debit card "holds" for those debit transactions where you sign your name.  This affects the timing of when your available balance changes.  Please take a few minutes to learn about this process by reviewing the FAQs below.


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SC State Credit Union 800-868-8740 | 803-343-0300