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Check Hold Policy


Check Hold Guidelines - Personal
Account
Classification

 
Account Tenure      Hold      Basic 
Same Day
Availability
     Hold     
          
Packaged
Same Day
Availability
New 30 days or less 5 $200 5 $200
"Other" * All 4 $200 2 $500
First Year 31-365 days 2 $500 2 $2,500
Established 366 days or more 2 $1,000 2 $5,000


Check Hold Guidelines - Business
Account
   Classification  
Account
Tenure
    Hold     Basic 
Same Day
Availability
New 30 days or less 5 $200
"Other" * All 2 $500
First Year 31-365 days 2 $2,500
Established 366 days or more 2 $5,000

* “Other” Accounts:  NSF’s exceed 5 year to date (YTD) or 10 to date (TD)
                     Has any derogatory account memo’s
                     Has instances of returned checks over $100 (on RCCH)



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

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

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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.