Mobile banking is a secure way to freely access your SDCCU accounts and make deposits any time, anywhere using your mobile phone. Just think how convenient it will be to view your account balance and make a transfer before making a purchase! We offer our mobile banking app for iPhone®, iPad® and Android™ phones and tablets as well as web-based and SMS text banking.
any time, anywhere
deposit checks real-time
between SDCCU accounts¹
select your payment date
SDCCU mobile banking is available for most smartphones and mobile devices.
iPhone, iPad and Android users: Look for SDCCU Mobile Banking app in the App StoreSM or Google Play™.
Other touch screen users: visit https://ib.sdccu.com/sdccu/signin.aspx.
SDCCU does not charge for the mobile banking service. Message and data rates may apply.
Apple, the Apple logo, iPhone and iPod touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trademarks of Google Inc.
¹Transfers cannot be completed through SMS text mobile banking.
²Bill Payer Plus $4.95 monthly fee waived with: all FREE Checking with eStatements accounts or when used to make three or more payments per calendar month.
FAQS
Some smartphones may display a URL error when launching the app for the first time. To correct this, simply close the app to return to your home screen and re-launch the app. This will resolve the error.
You can access any account that you have enrolled in Internet Branch online banking. You may set-up cross account transfers at any of our convenient branch locations.
Yes, you can access your accounts from any mobile phone with Internet access. For SMS text banking, you must first register the phone number through the mobile app or Internet Branch.
Yes, you can change the nicknames of your accounts in Internet Branch Self Service. The same names will be used in Internet Branch and mobile banking. SMS texting nicknames can be set-up through the Internet Branch mobile banking page.
Yes. Just log into Internet Branch and click Mobile Banking and select My Accounts. Here you can select which accounts display and give them nicknames. These settings will remain across the mobile banking apps, web-based and SMS versions.
Yes. You can view and pay bills through mobile banking after you are enrolled in Bill Payer Plus. You can enroll either through Internet Branch online banking or the SDCCU mobile banking app. You cannot pay bills through SMS text banking.
Yes, transfers occur immediately. Transfers cannot be made via SMS text banking.
If you forgot your password, reset your password here. For a step-by-step tutorial, view the video below:
Open your device's app store and search SDCCU. You will see the app which features a white tile and a white sailboat on a teal circle and is titled "SDCCU-NEW."
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There is no additional enrollment required to use SDCCU Mobile Deposit within the mobile banking app.
Step 1: Create a username and password for Internet Branch.
Step 2: Register your mobile phone number through our mobile app or the Internet Branch mobile banking page. During registration, you can select a texting nickname for each of your accounts.
Step 3: After registration, text the commands listed below to SDCCU (73228) and you will receive a response text with the information requested.
B/Bal = Balance
H = Transaction History
M = Move to next 5 transaction History
T = Transfer
M = Nicknames
Help = Text banking help
Stop = Cancel text banking
Checks deposited through SDCCU Mobile Deposit are generally posted to your SDCCU account immediately. Our standard check holds may apply. Please see the Account Disclosures And Agreement disclosure or Mobile Deposit Terms and Conditions Funds Availability section, available in Internet Branch Self Service, for details.
You can deposit up to $5,000 per day through SDCCU Mobile Deposit.
We provide Internet Branch online and mobile banking to our members at no charge. Message and data rates may apply.
SDCCU’s mobile banking is specifically formatted for mobile phones. This provides faster browsing, easier navigation, clearer reading of content and the ability to pay bills.
Yes, SDCCU Mobile Deposit is safe. Access to the application on your mobile phone requires your Username and Password.
Yes, SDCCU’s mobile banking is safe. The mobile banking application is protected in many ways, including:
SDCCU does not charge any fees for using SDCCU Mobile Deposit. Message and data rates may apply. Contact your wireless carrier for details.
To be eligible for SDCCU Mobile Deposit, you must meet the following requirements:
Visit sdccu.com/forgot to recover your username or reset your password.
There are a few ways you can obtain your account number.
First, your account number is on your SDCCU checks. Your account number will be the bottom middle number, without the last 2 digits. For example, if the number on your checks is 000123456790, your account number is 0001234567. See graphic below.
Second, come into your local SDCCU branch and ask one of our staff to assist you.
Third, call us at (877) 732-2848.
Account information available on Internet Branch online banking is available on the SDCCU mobile banking app including statements, pending transactions, balances and more.
SDCCU Mobile Deposit is specifically formatted for iPhone, iPad and Android devices.
SDCCU’s mobile banking is an application that provides additional convenience to Internet Branch online banking users. You can use the application to perform many of the activities that you ordinarily perform through Internet Branch, including the ability to:
To access SDCCU’s mobile banking, use your current Internet Branch online banking credentials.
SDCCU Mobile Deposit is part of mobile banking that provides additional convenience to Internet Branch online banking users. You can deposit checks remotely from your mobile phone or device.
After you successfully use mobile deposit, write “Deposited” and the date on the check. Keep it for 2 business days or until it has posted to your account. Afterwards, you can destroy it.
iPhone and Android users can download an app directly from the App StoreSM or Google Play™.
Mobile deposits to your SDCCU account are made in real time. Our standard check holds may apply. Please see the SDCCU Mobile Deposit Terms and Conditions Funds Availability section, available in Internet Branch Self Service, for details.
We’ve enhanced the security of our Internet Branch accounts by requiring all users to enroll separately.
Texting BAL will display the balances for your first 4 accounts. You can select which accounts display by logging into Internet Branch online banking, clicking Mobile Banking and then My Accounts. Deselect the accounts you do not wish to display. You will not be able to access cross-accounts through SMS texting.
Our enhanced authentication service helps to ensure your identity and information is protected. We will send you a one-time passcode via a text or phone call with a passcode that you need to enter. You will see this at
login and when performing select transactions within online banking.
The system may be unable to read your check due to the handwriting, check condition or photo quality. If that is the case, you will need to bring your check to a SDCCU branch or ATM for deposit.
Yes, you can enroll in text banking in online banking. To enroll in text banking, add your mobile phone number to Internet Branch.
If you have multiple SDCCU accounts with separate account numbers, you will need to enroll those additional accounts in email alerts and/or MMS text alerts. To set up MMS text alerts, you will need to input your cell phone number followed by your carrier’s gateway address under Phone Number when you enroll for text banking.
For example, if your phone number is (123) 456-7890 and your carrier is AT&T, you will input the following: 1234567890@mms.att.net.
Message and data rates may apply.
“SDCCU has one of the best mobile apps I've seen in banking. I can always stay up-to-date with my account, even when traveling.”
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