San Diego County Credit Union has a variety of checking accounts to fit every member’s unique needs, from a Free Checking with eStatements account with no monthly fees to a High-yield checking account that pays you dividends. Enjoy the freedom to manage your checking account from anywhere, with ease. We welcome individuals throughout Southern California to join SDCCU and open a Free Checking with eStatements account online today.
30,000 surcharge-free ATMs nationwide and millions of merchants worldwide with your Visa® debit card.
No monthly account fees.
Take advantage of online services like real-time account alerts through our online and mobile banking services.
With direct deposit.
At SDCCU, we understand that everyone's financial stability matters. That's why we offer a range of checking account options to fit your current goals and lifestyle along with the tools to help you manage your money on the go. Whether you're opening your first account, prefer the simplicity of Free Checking with eStatements or are interested in a high-yield option, we've got you covered.
Earn dividends on your balance with our classic checking account, paid monthly with an average daily balance of $1,500 or more. If you value the predictability of consistent monthly returns, our Classic checking account is perfect for you.
Pay no monthly checking fees on our popular free checking account when you sign up to receive eStatements. This convenient option with no monthly checking fees offers a seamless and budget-friendly approach to managing your finances, allowing you to access your statements electronically with ease.
Get higher returns on your balance with our high-yield checking account, which earns competitive dividends based on the average daily balance. You can watch your savings grow steadily month after month.
Help your teenager learn valuable money management skills by opening their own teen checking account through our teenFIRST® program. Our teen checking account is a great option for Southern California teens between the ages of 13 and 17, who are looking to start managing their money more responsibly.
*SDCCU offers credit of your direct deposit approximately one business day before your actual pay date as long as your employer provides SDCCU notification with two to three business days in advance, which many employers do. Actual deposit date is not guaranteed. SDCCU assumes no liability for not depositing funds to your account early.
1Member must be 13 to 17 years old and have valid ID in order to take advantage of products and services offered in the teenFIRST program. Parent or guardian must be Joint Owner on the account until the teen reaches the age of 18. Teen will be the primary member on the account. teenFIRST accounts are not eligible for Courtesy Clearing or Debit Card Overdraft Service. Once member has reached the age of 18, member will be able to take advantage of SDCCU’s full line of products and services. Once member turns 18, the teenFIRST Checking account automatically converts to a FREE Checking with eStatements account and is free when enrolled in eStatements. Otherwise, a monthly fee of $2 applies.
Ready to start managing your money more efficiently? You can open a checking account by applying online, over the phone, or at any of our branch locations in San Diego, Riverside or Orange County! Choose from one of the options below to open your next checking account: - Apply Online - Visit a Branch Location - Call (877) 732-2848
Check out our High Yield Checking Account rates.
FAQS
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.
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.
Yes, you can make deposits to your SDCCU deposit accounts at any deposit taking CO-OP ATM. Find one here.
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.
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.
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.
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.
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.
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.
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.
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.
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.
For business checking requirements, please visit the Business Checking page for more information.
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.
SDCCU’s ABA Routing Number (or bank routing number) is 322281617.
$25 is the minimum opening deposit for the FREE Checking with eStatements and Classic Checking accounts. High-Yield Checking requires an opening deposit of $5,000.
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.
Our Checking 101 page is a great place to start. This page breaks down the basics of banking to help you decide which SDCCU checking account is right for you.
"I have been a SDCCU member for many years and am amazed how friendly and fast service is. I have had nothing but excellent service at SDCCU. Every time I visit a branch I am greeted with a hello and a smile."
Be a Part of San Diego's
BEST Credit Union
Whether you’re buying your first home, a new or used car or simply looking to save, we have the products and services you need to get going.
SDCCU has over 30,000 surcharge-free ATMs and 39 branch locations.
Open an account online today!
Thanks for applying for a loan with SDCCU!
Before we continue, please answer the following questions:
Before we continue, please answer the following questions:
Visiting external link:
By clicking the "Go" button below, you acknowledge that you are leaving sdccu.com and going to a third party website. You are entering a website which has separate privacy and security policies. SDCCU® is not responsible or liable for any content, products, services, privacy and security or external links on the third party's website.
Thank you for your interest in SDCCU.
It's easy to join online in a few steps and apply for your new loan at the same time
Log into Internet Branch online banking to apply for this loan under your existing account. If you want a separate account, use the New to SDCCU options to the left.
LOG IN
Checking Accounts
Savings Accounts
Online Banking
Mobile Banking
Certificate Accounts
IRA & Retirement Accounts
Money Market Accounts
All Banking Products & Services
Home Loan Mortgages
Home Equity Loans & Lines
Auto Loans
Personal Loans
All Loans Products & Services
Visa Credit Cards
All Credit Card Products & Services
SDCCU Investment Services Overview
Financial Advisors
Investment Services Account Access
Estate Planning
Guided Wealth Portfolios
Events
Community Outreach
Promotions
Why Bank With SDCCU?
