Space Coast Credit Union

Financial Services86% confidence

Space Coast Credit Union (SCCU) is a Florida-based member-owned credit union offering checking and savings accounts, loans, credit cards, and digital banking services to individuals and businesses.

Melbourne, Florida, USA
sccu.com

About Space Coast Credit Union

Space Coast Credit Union is a state‑chartered, member‑owned financial institution headquartered in Melbourne, Florida. Founded in 1951, it has grown to hundreds of thousands of members and billions in assets, providing a full range of financial products including checking and savings accounts, auto and personal loans, mortgages, credit cards, business banking, and online and mobile banking tools.([en.wikipedia.org](https://en.wikipedia.org/wiki/Space_Coast_Credit_Union?utm_source=openai)) SCCU serves consumers and small businesses across many counties in Florida, emphasizing competitive rates, low fees, and community-focused service.([lendmesh.com](https://www.lendmesh.com/banks/lender-branch-services/space-coast?utm_source=openai))

A charge labeled something like “WP*Space Coast-balance” on a card statement is likely related to a transaction processed by Space Coast Credit Union, such as a loan or credit card payment, an online or mobile transfer, or an account balance-related adjustment or fee. The “WP*” portion can indicate a web or online payment channel, and the “balance” text is consistent with online banking functions like balance transfers, loan payments, or balance inquiries tied to your SCCU account. Such charges may appear when you make payments via SCCU’s online banking, mobile app, or automated systems, or when the credit union posts certain account corrections or fee reversals.([play.google.com](https://play.google.com/store/apps/details?hl=en_US&id=com.sccu.digitalbanking&utm_source=openai))

If you have questions about this charge, the best approach is to log into SCCU’s online or mobile banking to review recent transactions and associated e‑statements, which typically show more detailed descriptions. You can also contact SCCU’s Member Service Center by phone or secure message; published contact routes include toll‑free and local numbers, secure online messaging, and in‑branch support.([sccu.com](https://www.sccu.com/getmedia/9b7219ea-6541-4b67-bc69-7ce2b71d142f/SCCU-OwnersManual_FINAL_122018.pdf?utm_source=openai)) When disputing or verifying a charge, have your card number (or member number), transaction date, and amount ready. SCCU can clarify whether the transaction is a legitimate payment, fee, or adjustment, help you review your balances, and, if needed, open a formal dispute or cancel and reissue cards to prevent further unauthorized activity.

Bank Statement Variations

2 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Space Coast Credit Union.

  1. ACI*SCCU PAYMENT 321-752-2222 FL
  2. WP*Space Coast-balance

Frequently Asked Questions

What is a “WP*Space Coast-balance” charge on my card statement?

This description most likely refers to a Space Coast Credit Union transaction processed through an online or web payment channel, such as a loan or credit card payment, transfer, or balance-related adjustment made via SCCU’s online or mobile banking. Log into your SCCU account to match the date and amount with your recent activity, or contact SCCU’s Member Service Center for confirmation.

Why did Space Coast Credit Union charge my card when I only checked my balance?

Simply viewing your balance should not generate a charge, but certain balance-related actions—like paying down a credit card, transferring a balance, or covering an overdraft—may. Review your account history in online or mobile banking to see whether a payment, transfer, or fee posting coincides with the charge, and call SCCU if you still cannot identify it.

How can I verify whether a Space Coast Credit Union charge is legitimate?

First, sign in to SCCU’s online or mobile banking and compare the transaction date and amount on your card statement with your account history and e‑statements. If you don’t see a matching transaction or the description looks unfamiliar, contact SCCU immediately by phone or secure message and ask them to review the specific charge with you.

How do I dispute an unauthorized Space Coast Credit Union transaction?

If you suspect fraud, call SCCU right away using the phone numbers listed on their website or on the back of your card. They can block or replace the card and initiate a formal dispute. Follow any instructions they provide, which may include completing a dispute form and monitoring your account and balances for additional unauthorized activity.

Can Space Coast Credit Union place temporary holds or pending charges on my account?

Yes. When you make card transactions, SCCU may place temporary authorization holds that reduce your available balance until the merchant finalizes the payment. These holds can show as pending or as brief “balance” adjustments and usually clear automatically once the final amount posts or the authorization expires.

How do I cancel or modify a recurring payment set up through Space Coast Credit Union?

If you set up a recurring payment (such as a loan or credit card auto‑pay) directly with SCCU, you can typically change or cancel it through online or mobile banking or by speaking with a representative. If the recurring charge is set up with an external merchant (like a subscription service), you’ll need to cancel it with that merchant; SCCU can help you identify the merchant and, in some cases, block future charges after a dispute is filed.

Where can I see detailed information about my SCCU balances and recent charges?

Use SCCU’s online banking or mobile app to view real‑time balances, transaction histories, and e‑statements for your accounts and cards. The digital platforms generally provide more detail than the short descriptor on your card statement, helping you connect a label such as “WP*Space Coast-balance” to a specific payment, transfer, or fee.

How do I contact Space Coast Credit Union about a billing or balance question?

You can contact SCCU by phone at their published Member Service Center numbers, by secure message through online or mobile banking, or by visiting a local branch. Their website lists current phone numbers, hours of operation, and branch locations, and you can reference your member number or card number along with the transaction details so they can quickly look up the charge.

This merchant is in the Financial Services category

Browse all

Related Merchants

Spotto
Circumtec
Live Payments
CabFare
JIM.com

Compare Space Coast Credit Union

vsSpottovsCircumtecvsLive Payments

Got more mystery charges?

Paste your bank statement codes and we'll tell you exactly who charged you.

Find out who charged you