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SDCCU Mobile Banking

Access your accounts any time, anywhere!

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.

ATM Machine Icon

Check Balances

any time, anywhere

SDCCU Mobile Deposit

deposit checks real-time

Transfer Funds

between SDCCU accounts¹

Pay Bills

select your payment date

Access your account your way

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Mobile Banking App

SDCCU mobile banking is available for most smartphones and mobile devices.

  • Deposit checks real-time with SDCCU Mobile Deposit
  • Check balances
  • Instant balance on home screen
  • View transaction history & pending transactions
  • Transfer funds between your SDCCU accounts¹
  • Send and receive Popmoney® payments
  • Pay bills
  • View, modify and delete pending bill payments²
  • Locate SDCCU branches and 30,000 surcharge-FREE ATMs
  • Tablet app with the ability to view checks
  • Access multiple accounts per device (with remember me functionality)

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.

App Store Google Play
Person using credit card
Person on phone

SMS Text Banking

SMS text banking is ideal for users without a smartphone or data plan.

Once you have a username and password, register your mobile phone number through the SDCCU Mobile Banking app or the Internet Branch online banking page. During registration, you can select a texting nickname for each of your accounts. After that, text the commands listed below to SDCCU (73228) and you will receive a response text with the information requested.

BAL = account balance
HIST “texting nickname” = account history
ATM zip code = nearest ATM
BRANCH zip code = nearest branch
HELP = mobile banking help
STOP = cancel SMS text banking 

Open an Account Enroll Today

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.

FAQ
Frequently asked questions
  • What is SDCCU’s mobile banking?

    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:

    • View account balances
    • View transaction history
    • Transfer money between your SDCCU accounts (transfers cannot be completed through SMS text mobile banking)
    • View and pay bills
    • Locate SDCCU branches and ATMs
  • I’m not able to update to the new app.
    Open the existing app and click Update Now. If you see a white App Store screen, push the Updates icon in the lower right corner. If you are not prompted to Update Now, visit the App Store and click the Updates icon.
  • I get a URL error after I update the app.
    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.
  • Which mobile banking link should I use?
    iPhone and Android users can download an app directly from the App StoreSM or Google Play™. If you navigate your smartphone by touching the screen, use our touch screen mobile banking at https://mb.sdccu.com/m. Make sure you are using https.
  • How do I use SMS text banking?
    You must first have a username and password for Internet Branch. You can then 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. After that, text the commands listed below to SDCCU (73228) and you will receive a response text with the information requested.
     
    BAL = account balance
    HIST texting nickname = account history
    ATM zip code = nearest ATM
    BRANCH zip code = nearest branch
    HELP = mobile banking help
    STOP = cancel SMS text banking
     
  • Why do I only see 4 account balances through SMS text banking?
    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.
  • What is my Username/Login ID and Password?
    To access SDCCU’s mobile banking, use your current Internet Branch online banking credentials.
  • Why am I getting an error message when logging in?
    If you a receiving an error message that your security questions cannot be found, please log into Internet Branch online banking and update your security questions in Self Service. Once completed, you will be able to log into mobile banking.
  • Is SDCCU’s mobile banking safe?
    Yes, SDCCU’s mobile banking is safe. The mobile banking application is protected in many ways, including:
    • Access to the application on your mobile phone requires your Username and Password
    • Account names are used and account numbers are masked
    • Multi-factor secure authentication
  • I can already access Internet Branch from my phone. Why do I need SDCCU’s mobile banking?
    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.
  • Can I access my account from more than one mobile phone?
    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.
  • Can I access multiple SDCCU accounts from my mobile phone?
    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.
  • Can I control which account suffixes display in mobile banking?
    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.
  • Can I change the display nickname on my accounts?
    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.
  • What information about my accounts shows up in SDCCU’s mobile banking?
    Only your account name (e.g. Jane’s checking), account suffix (last 2 digits), account balances and biller names display in mobile banking.
  • Can I pay bills through mobile banking?
    Yes. You can view and pay bills through mobile banking after you are enrolled in Bill Payer Plus. You must enroll in and set-up payees through Internet Branch online banking before you can pay bills through mobile banking. You cannot pay bills through SMS text banking.
  • Do transfers made between accounts at SDCCU occur immediately?
    Yes, transfers occur immediately. Transfers cannot be made via SMS text banking.
  • Why don’t I see my account transfer on the iPad app?
    Your transfer details may show up at the top or bottom of your transaction history after you make a transfer using the iPad app. The transaction will show up in order the next time you log into the app.
  • What is SDCCU Mobile Deposit?
    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.
  • How do I enroll in SDCCU Mobile Deposit?
    There is no additional enrollment required to use SDCCU Mobile Deposit within the mobile banking app. 
  • Is SDCCU Mobile Deposit safe?
    Yes, SDCCU Mobile Deposit is safe. Access to the application on your mobile phone requires your Username and Password.
  • Is there a fee for SDCCU mobile deposit?
    SDCCU does not charge any fees for using SDCCU Mobile Deposit. Message and data rates may apply. Contact your wireless carrier for details.
  • What are the eligibility requirements for SDCCU Mobile Deposit?
    To be eligible for SDCCU Mobile Deposit, you must meet the following requirements:
    • You must have a valid SDCCU account in good standing
    • You must be enrolled in Internet Branch online banking
    • You must have a compatible device with Internet access and a camera
  • What is a compatible device?
    SDCCU Mobile Deposit is specifically formatted for iPhone, iPad and Android devices that meet the following system requirements:

    iPhone, iPad™ and iPod touch® devices:
    • Version 5.1.1+ operating system
    • Camera
    Android devices:
    • Android phone version 2.2+ operating system
    • Android tablet version 4.0.3+ operating system
    • Camera with 2.0+ megapixel resolution and autofocus
  • Why isn't my check being accepted?
    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.
  • When will my deposit be available?
    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. 
  • Will a hold be placed on my deposit?
    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.
  • How much can I deposit?
    You can deposit up to $5,000 per day through SDCCU Mobile Deposit.
  • How do I get my one-time passcode sent to my email?
    We currently send one time passcodes through text message or phone call. However, you can forward your text messages to your email if you use a call forwarding and voicemail services like Google Voice or similar services.
  • Forgot Password?
    If you forgot your password, reset your password here. For a step-by-step tutorial, view the video below:

     

WHAT PEOPLE ARE SAYING

“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.”

Colette M.

 
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BEST Credit Union

Why Bank at SDCCU?