Checking Accounts

All the checking options you're looking for, and more

San Diego County Credit Union has a variety of checking accounts to fit every member’s unique needs. And, whether you select our Free Checking with eStatements account, high-yield checking account, or any other option, you have the freedom to manage your funds from anywhere, with ease. 

credit union ATM

ATM access

Visit any one of our 30,000 surcharge-free ATMs nationwide.

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FREE Checking with eStatements

No monthly account fees.

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Online banking

Take advantage of online services like real-time account alerts through our online and mobile banking services.

credit union visa debit card

Visa® debit card

Receive a Visa® debit card, instantly issued in-branch.

Find the checking account that's right for you

Choose the option that best suits your current goals and lifestyle. Take a look at our four checking account options below, and discover which account aligns with your needs.
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Classic checking

Earn dividends on your balance with our classic checking account, paid monthly with an average daily balance of $1,500 or more.

  • Monthly fee: the $5 fee is waived with one of the following:
    • Direct deposit ($100 minimum per pay period)
    • $2,500 or more combined average daily savings balance
    • $1,000 or more average daily checking balance
  • Minimum opening deposit: $25
Open an Account
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Two young women

Free Checking with eStatements

Pay no monthly checking fees on our popular free checking account option when you sign up to receive eStatements.

  • Monthly fee: $0 with eStatements; $2 with paper statements
  • Minimum opening deposit: $25
Open an Account
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High-yield checking

Get higher returns on your balance with our high-yield checking account, which earns competitive dividends based on the average daily balance.

  • Monthly fee: the $15 fee is waived with $25,000+ average daily balance
  • Minimum opening deposit: $5,000
Open an Account
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Happy teenager

Teen checking

Help your teenager learn valuable money management skills by opening their own teen checking account through our Teen First® 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.

  • Monthly fee: no monthly fee1
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1Member must be 13 to 17 years old and have valid ID in order to take advantage of products and services offered in the Teen First 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. Teen First 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 Teen 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.

Learn more about checking accounts

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

Frequently asked questions


"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."

Andrea Z., Lake Elsinore

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BEST Credit Union

Why Bank at SDCCU?
san diego's best

Be a Part of San Diego’s
BEST Credit Union

Why Bank at SDCCU?

More products for more occasions

Whether you’re buying your first home, refinancing your car, or simply looking for investment advice, we have the products and services you need to get going.