SDCCUdirect FAQs

What is SDCCUdirect?
How do I begin?
What are the passcode requirements?
How do I fund a Certificate Account using SDCCUdirect?
How do I set-up my external accounts?
Where do I find my trial deposits?
How many external accounts can I have set up with SDCCUdirect?
Can I transfer the funds into any account?
Why can’t I transfer money from someone else’s account to my SDCCU account?
Is SDCCUdirect safe?
Is there a fee to use this service?
Are there transfer limits?
How long will my transfer take?

SDCCUdirect™ makes it easy and convenient to transfer money to and from your accounts at external financial institutions and your eligible accounts at SDCCU. You can begin making transfer after your external account is verified through the trial deposit process.

Once you are enrolled, it's easy to set up your external accounts. The name on your external account(s) must match the name on your SDCCU account. For joint accounts, each joint account holder will need to set up their own SDCCUdirect profile in order to use SDCCUdirect.

To help ensure your security, passcodes must consist of 6-12 characters and contain alpha and numeric characters. The passcode is case sensitive and does allow for characters such as # or !. If you should forget your passcode or your SDCCUdirect profile should become locked, please call the Information Center at (877) 732-2848 during normal business hours. Always remember to update any temporary passcode in your profile to your own unique passcode.

Log onto Internet Branch and click on Certificate to create your Certificate with the desired term and dollar amount, not to exceed $25,000. Choose the funding method “Transfer from a non-SDCCU account using SDCCUdirect”. If you do not already have an existing SDCCUdirect profile, you will be prompted to create one and to set up and verify your external account. If you already have an SDCCUdirect profile, you will enter your passcode and be able to initiate the transfer of funds for the Certificate from an existing verified account or add and verify a new external account. Please note that the rate of the selected Certificate is valid for 7 days from the date of creation. You may only have one SDCCUdirect Certificate Account transfer pending at a time.

How do I set up my external accounts?

Once you are enrolled, it's easy to set up additional external accounts. Log into SDCCUdirect and enter your passcode. You can add new external accounts under the Manage Accounts tab. Follow the same verification process as above.

Access your external account's transaction history and look for two small deposits and one withdrawal totalling the two deposits. The deposits should be titled TRIALCREDT. The trial deposits should appear within 2 business days of adding the account to SDCCUdirect. There will also be a withdrawal labeled TRIALDEBIT in the same amount as the two deposits.

You may have up to 5 external accounts verified for transfers. You may delete accounts at any time in order to add new accounts.

All of your eligible SDCCU accounts will be listed for transfers. Some accounts, such as IRAs, are not eligible for this service.

For security reasons only the person authorized to withdraw from the external account may initiate an automatic transfer. Therefore, the name on the external account must match the name on the SDCCU account.

Yes. SDCCUdirect is accessed behind the security of Internet Branch, our online banking tool. In addition, each account holder on your account (individual or joint) will create their own SDCCUdirect passcode to access the service. This ensures that only you have access to transfer funds from your external accounts.

There are no fees associated with transferring funds to your SDCCU accounts. Be sure to check the balance in your external account prior to making the transfer. Please refer to the Consumer Services Fee Schedule for applicable fees on transfers from your SDCCU account to an external account.

Yes, the following transfer limits apply and you may only have one SDCCUdirect Certificate Account transfer pending at a time.

Inbound transfers:
    • Certificate Funding: $25,000
    • Single transfer and/or single day: $4,000
    • In process 30 day rolling period: $8,000

Outbound transfers
    • Single transfer and/or single day: $2,500
    • In process 30 day rolling period: $5,000

SDCCU utilizes the Automated Clearing House (ACH) system to transfer funds to your SDCCU account. It may take up to three (3) business days for standard transfers and one (1) business day for next day outbound.