Checking Accounts

FAQS

Frequently Asked Questions

• Are savings accounts free?

  You must maintain a minimum balance of at least $1 to maintain a free savings account, or a $5 monthly fee will apply. A primary savings is required to open an account. To see any other applicable fees refer to the Consumer Service Fee Schedule.

• Can anyone open a SDCCU checking account?

  SDCCU membership is open to everyone living or working in San Diego, Riverside or Orange counties. Those outside of the area can open an account by joining the Financial Fitness Association. You are also eligible if you are an employee of a SDCCU Select Employer group.

• Can I make deposits at any CO-OP ATM?

  Yes, you can make deposits to your SDCCU deposit accounts at any deposit taking CO-OP ATM. Find one here.

• How do I activate my new card?

  You can activate your card via the Self Service tab within SDCCU Internet Branch online and mobile banking, or by dialing the number provided on the sticker on your new card, (800) 278-4443, and following the prompts. You will be asked to enter the full card number, the last 4 digits of your Social Security Number or ITIN and your date of birth. 

• Can I use a checking account instead of a savings to save my funds?

  You certainly can, but a savings account is a recommended to earn dividends. A savings account is a safe, easy way to save your funds and it only requires a minimum opening deposit of $1. Money can be deposited in a branch, by online transfer from your checking account or in any CO-OP ATM that accepts deposits.

• I forgot my PIN, how do I get a new one?

  Establishing a new PIN is easy! If you have previously established a PIN number and forgot it, please call (888) 891-2435 from a number that SDCCU has on file in our system for your account, and follow the prompts.

• How do I open a checking account?

  You can open an account online, call (877) 732-2848 or visit any of our branch locations. You will need to provide a form of government issued identification. If your form of identification is current and readily available, opening an account is quick and easy.

• I have all of my bills set up on auto-pay; how do I switch?

  For assistance enrolling in Internet Branch online banking and transitioning to SDCCU, call (877) 732-2848 or visit a branch and ask a friendly Member Service Representative for assistance. For many auto-payments you will need to call the biller and give them your new SDCCU account number and routing number.

• I have direct deposit somewhere else, how do I switch?

  Whether your direct deposit is coming from your employer or from another entity, changing the account your payments are deposited to is an easy process. Fill out our Direct Deposit Form and return it to your payroll department.

• If I open an account online, how is it funded?

  You can transfer funds from an existing SDCCU account, with your credit or debit card or from a checking or savings account at another financial institution. You’ll just need your account number and the bank routing number of the bank account you are transferring from. You can alternately mail in a check.

• Is my checking account completely free of monthly fees?

  Our FREE Checking with eStatements account has no monthly checking fees when you enroll to receive eStatements. There is a $2 monthly fee with paper statements. To see any other applicable fees refer to the Consumer Services Fee Schedule.

• Is my credit report pulled when applying for an account?

  A credit inquiry is run as a standard part of the account opening process. It is recommended that you take this standard practice into consideration if you are in the process of applying for a loan or credit product.

• Is the process any different for a business checking account?

  For business checking requirements, please visit the Business Checking page for more information.

• What if I have bad credit or am on the ChexSystems list?

  A history of bad credit or excessive insufficient funds activity does not necessarily exclude you from opening an account. Visit a branch and speak to a Financial Services Representative to see how we can meet your needs.

• What is SDCCU’s routing number?

  SDCCU’s ABA Routing Number (or bank routing number) is 322281617.

• When are my deposits available for use?

  Cash deposits are available immediately. Check deposits are subject to our standard check hold policy. Please review SDCCU’s Funds Availability disclosure in our Account Disclosures and Agreement for more information.