Online Banking 
Enroll in Online Banking

Check Hold Policy

Check Hold Guidelines – Personal and Business

(30 days or less)       
First Year
(31 to 365 days)
(366 Days or more)
  Hold Same Day Avail Hold Same Day
Hold Same Day Avail Hold Same Day Avail
Classic 5 $200 7 $200 2 $200 2 $200
Select 5 $200 7 $200 2 $200 2 $200
Premier 5 $200 7 $200 2 $500 2 $2500
Elite 5 $200 5 $500 2 $2,500 2 $5,000
Diamond Elite 5 $200 5 $500 2 $2,500 2 $5,000
Business Acct 5 $200 5 $500 2 $2,500 2 $5,000

* Elite members may have up to $5,000 released (Processed as an exception hold)
** Diamond Elite members may have up to $10,000 released (Processed as an exception hold)
*** All MR levels will have a 7 day hold on checks that are being deposited to cure a negative balance 

Click here for information on SCCU Mobile Deposit limits and holds.

Longer holds or reduced same day availability may apply.

Accounts with Non-Sufficient Funds and/or returned check activity may be subject to longer holds or reduced same day availability of funds.

Funds from the following deposits will generally be available the same day:

  • State and Local Government Checks
  • Treasury Checks
  • Cashier, Certified and Teller Checks

The remainder of the deposit may be subject to the holds noted above.

Hold decisions are made at the time of the deposit. Thank you in advance for your understanding as we administer our check hold policy.

SCCU assumes no liability for checks accepted for deposit.

  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

Space Coast Credit Union (SCCU) © 2015



You are being directed to, a website not operated by SCCU. SCCU is not responsible for the content of the alternate website. SCCU does not represent either the third party or the member if the two parties enter into a transaction. Privacy and security policies may differ from those practiced by SCCU.

Would you like to continue?


Member Rewards

Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.