Manage Accounts


Mid Carolina's My Personal Teller
You're never out of touch with your accounts or your money. Through My Personal teller you can check your balances and review your transactions from your home phone or your cell phone. To access My Personal Teller, you must call (803)432-8521 to be enabled for enrollment. Once you have been enabled, you may call (803)432-7048 or (800)464-3924 at any time to access your account.

Click here for a copy of our audio response directions and flow chart.


Who couldn't use a little more time—especially when you can avoid the age-old bill paying ritual? Write check … find envelope … address envelope … lick stamp. Yuck. Why not skip the busy work and pay your bills online?

With BillPayer you choose when to pay your bills. Schedule recurring payments for almost anything—from insurance premiums to fitness club fees. Or, make one-time payments for those miscellaneous expenses. Pay all your bills in minutes, simply click and pay.

Special Features:
  • Pay your bills in minutes
  • Payments sent electronically; payees who can't accept electronic payments receive a paper check

To set up your Online Banking Account, please call (803)432-8521. We will be happy to assist you in setting up your accounts and get you started!


Secure your Statements with E-Statements
If 20% of households switch to electronic statements, bills and payments, 1.8 million trees would be saved each year and we'd cut greenhouse gas by 2 million tons per year. Less greenhouse gas means cleaner air, less global warming and an environment we can all enjoy.

If your home mailbox is unattended for more than a few hours, anyone can steal your personal information with little interference. The Federal Trade Commission (FTC) indicates that in cases of ID Theft, a lost or stolen wallet or pocket book - or the theft of a victim’s mail - are by far the most commonly mentioned ways of obtaining the victim’s personal information.

If you have paper statements, your mailing will need to be assembled and delivered by the post office. With E-Statements, you can view and print a copy as soon as they are available. Why wait for this information when you don't have to?

Your account statements are delivered each month in PDF format, in a much safer environment of 128-bit encryption offered by Online Banking. The PDF file is an exact replica of the printed statement you receive in the mail. Why not get the Online Statement a week early and save time? Our system also keeps up to 2 1/2 years worth of statements, to help keep your finances convenient and safe.

Extra Benefits With E-Statements
  • Eliminate the hassle of storing and organizing paper account statements
  • View statements online or print out a copy
  • Can view and save monthly statements
  • Can download and archive statements to your local PC

Sign Up ~ It's easy
To enroll, sign in to Online Banking and choose Electronic mail instead of US mail under the Preferences tab.



Sign up today! It's a check card and an ATM card. As an Mid Carolina Credit Union member, you will be able to access your money as easily and conve­niently as possible. Your Personal Check Card is designed to do just that.

My Personal Check Card Advantages:

  • Check savings and checking balances
  • Withdraw up to $500 a day
  • Make store and online purchases up to $1500 a day (limit can be temporarily increased per request)
  • Transaction amount is deducted directly from your checking account, so you don't pay interest
  • Eliminates the hassle of writing checks
  • Enjoy free ATM withdrawals at any Mid Carolina Credit Union ATM and ten free per month at non-Mid Carolina Credit Union ATM's
  • Access your money at any Mid Carolina Credit Union ATM, STAR network ,VISA or Co-op Network ATM’s
  • Added protection of EMV Chip Card Technology


Get a new or replacement card at any Mid Carolina Credit Union branch in just minutes. Members can request Instant Issue any time a new debit card is needed, whether for new checking accounts or to replace lost, stolen or damaged cards. During instant issuance, pre-printed, chip-enabled debit card stock is customized with the member’s name, card number, expiration date and CVV code.

Currently, only debit cards can be instantly printed and made ready for immediate use. Credit cards are not eligible. In some cases a fee may apply.

Print Debit Card Application

Lost or Stolen


Regular Hours: (803) 432-8521
After Hours: 1-800-433-5226


Forgot the PIN to your Debit Card? Mid Carolina Credit Union's PIN NOW service is the quickest and most convenient way for you to select or change your Debit card pin number. Through our PIN Now service you are able to reset your PIN number from home. To use this service simply call 1-800-992-3808. When calling this number you MUST call the service using the phone number you have provided to us. 


Be certain to contact Mid Carolina Credit Union so we can flag your credit and/or your debit card with a travel notification before you leave town.Setting a travel notice before you depart lets Mid Carolina CU and your credit card company know you’re in control of your card, so you can use them worry-free and without interruption. Call 803-432-8521.

Mid Carolina Credit Union utilizes the latest technologies to protect your account. We monitor transaction activity 24/7/365 to deter fraudulent activity before it occurs. When unusual activity occurs on certain accounts, our fraud analyst may temporarily suspend transactions and place a call to our cardholders asking to verify the transactions. The fraud analyst will NEVER ask you for your full social security number.