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A checking account gets its name from the act of writing a check to transfer money. It’s the most common type of bank account and is distinct from other account types, such as money market or certificate accounts, in that there are practically no restrictions on how often you may access your funds. While writing a check is the method of transferring money from which this account was named, there are now many other options to transfer money, such as using online or mobile banking or a debit card.
Learn more about SDCCU checking accounts.
A Routing Number (or ABA Routing Number) serves as a financial institution’s identification number and can be found on the lower left side of your checks, as seen below. SDCCU’s ABA Routing Number is 322281617.
Similarly, your checking account number uniquely identifies your checking account. Your checking account number is the lower middle number on your checks, shown below.
The check number is seen at the bottom right and the upper right corner of your checks.
SDCCU offers a few options for checking accounts, depending on your needs. To understand the complete range of services that may incur fees, it’s recommended that you read our Consumer Services Fee Schedule.
Accessing your checking account online is safe, secure and easy with SDCCU’s Internet Branch online banking. View our easy online banking demo to learn how to:
SDCCU offers a variety of overdraft protection options, but it’s always best to keep a cushion in your checking account. Some purchases may take a while to post to your account, so keeping a cushion can help you avoid overdrawing your account if you lose track of exactly what was spent.
It’s best to set up account alerts to send you automated, real-time email or text messages when your account drops below a certain amount. If you still write checks, make sure to keep records in your checkbook each time you write a check, deduct it from your balance and monitor your account to see when it clears.
At SDCCU, safeguarding your account is an important part of our business. Stay informed on best practices for protecting your personal and financial data on our Knowledge page.
Your checking account balance can be viewed by using an ATM, logging into Internet Branch online banking, visiting a branch or chatting with a representative online by clicking the gray “Chat with us” button to the right. If you’re already enrolled in Internet Branch, you can download our free mobile app and check your balance from your smartphone.
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.
When you have your paycheck direct deposited into your SDCCU checking account, you may enjoy it a day earlier than your regularly scheduled payday.*
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.
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Existing customers, log into Internet Branch free online banking.
All SDCCU products and services are subject to applicable member agreements, terms, conditions, disclosures and application requirements. New accounts and credit products are subject to approval. *SDCCU offers credit of your direct deposit approximately one business day before your actual pay date as long as your employer provides SDCCU notification 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.
SDCCU has over 30,000 surcharge-free ATMs and 42 branch locations.
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