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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

woman with sdccu credit card using sdccu mobile banking

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 mb.sdccu.com/m.

App Store Google Play
woman with sdccu credit card using sdccu mobile banking
man using sdccu sms text banking on his smartphone

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.

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.

FAQ
Frequently asked questions
  • Where can I learn more about checking accounts?
    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.
  • Can anyone open a SDCCU checking account?
    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.
  • How do I open a checking account?
    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.
  • Is the process any different for a business checking account?
    For business checking requirements, please visit the Business Checking page for more information.
  • Is my checking account completely free of monthly fees?
    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.
  • What is the minimum opening deposit for a checking account?
    $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.
  • If I open an account online, how is it funded?
    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.
  • What if I have bad credit or am on the ChexSystems list?
    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.
  • Is my credit report pulled when applying for an account?
    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.
  • When are my deposits available for use?
    Cash deposits are available immediately. The first $200 of most deposits are available immediately. See the Funds Availability section of the Account Disclosures and Agreement for details.
  • Can I make deposits at any CO-OP ATM?
    Yes, you can make deposits to your SDCCU deposit accounts at any deposit taking CO-OP ATM. Find one here.
  • Can I use a checking account instead of a savings to save my funds?
    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.
  • Are savings accounts free?
    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 Services Fee Schedule.
  • What is SDCCU’s routing number?
    SDCCU’s ABA Routing Number (or bank routing number) is 322281617.
  • I have direct deposit somewhere else, how do I switch?
    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.
  • I have all of my bills set up on auto-pay; how do I switch?
    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.
  • How do I apply for a home loan?
    You can apply for a SDCCU home loan online, by visiting any of our branch locations or by calling us at (877) 732-2848. You can apply to refinance your mortgage or apply to purchase a new home through any of these options.
  • What credit score do I need to qualify for a home loan?
    Your credit score is one of several factors that determine qualification for a home loan. Other factors that are considered include debt to income ratio, how well you have managed prior credit and length of credit history. There may be steps you can take to improve your credit score. To learn more about credit management and understanding your credit report, visit sdccu.com/balance.
  • Can I get a home loan with bad credit?
    A home could possibly be the most significant purchase you ever make. First and foremost, it is recommended that you use our home loan calculators to see how much you are able to afford. While your credit score is one of several factors that determine qualification for a home loan, it is an important measure of credit risk. If you have a poor credit profile, you may want to consider taking the time to build your credit and strengthen your personal finances before purchasing a home. If you have not done so already, check your credit report for any incorrect or outdated items. If there’s any erroneous information that’s bringing down your score, contact the credit reporting company as soon as possible to have errors removed or disputed. To learn more about credit management and understanding your credit report, visit sdccu.com/balance.
  • When is the best time to refinance a home loan?
    Our mortgage loan calculators can help you determine how much you might save from refinancing your home loan with SDCCU and decide when and if a refinance is right for you. You can also contact a SDCCU home loan specialist via Live Chat or by calling (877) 732-2848.
  • How do I get the best rate for a home loan?
    Make sure to check your credit report for any incorrect or outdated items. If there’s any erroneous information that’s bringing down your score, contact the credit reporting company right away to start the process of having the errors removed or disputed.
  • How do I apply for a personal loan?

    You can apply for a SDCCU personal loan online, by visiting any of our branch locations or by calling us at (877) 732-2848.

  • What credit score do I need to qualify for a personal loan?
    Your credit score is one of several factors that determine qualification for a personal loan. Other factors that are considered include debt to income ratio, collateral (if applicable), how well you have managed prior credit and length of credit history. If you have a poor credit history, there may be steps you can take to improve your credit score. To learn more about credit management and understanding your credit report, visit sdccu.com/balance.
  • Can I get a personal loan with bad credit?
    A low credit score may not necessarily preclude you from obtaining a SDCCU personal loan. SDCCU offers unsecured signature loans, savings share secured loans and certificate secured loans. You may be able to obtain one of these loans, depending on your credit history and other factors that influence your borrowing ability. To learn more about building a strong credit history, credit management and understanding your credit report, visit sdccu.com/balance.
  • What determines my personal loan rate?
    Your personal loan rate may vary based upon the loan type, collateral (if applicable), amount financed, term and your credit history.
  • How much can I borrow with a personal loan?
    Apply for a personal loan today to see how much you may qualify for.
  • How does my SDCCU Cash Card work?
    Your SDCCU Cash Card is a Visa prepaid card. Money available for spending is determined by the amount of money you load on the card. The SDCCU Cash Card carries the Visa logo, so you can use it almost anywhere Visa debit cards are accepted - in stores, online or over the phone. Each time you use your card, the purchase amount is automatically deducted from your card balance. When your balance gets low, you can add more money onto the card.
  • How can I find out what my remaining balance is?
    You can obtain your account balance anytime at sdccu.com/prepaid or by calling customer service at (855) 559-2663 or (954) 377-4496 outside the U.S. Some ATMs may offer the capability of providing your account balance as well. Please refer to the SDCCU Cash Card Fee Schedule for fees.
  • How do I add money to my SDCCU Cash Card?
    You can add money to your card at any SDCCU branch, online at sdccu.com/prepaid or through the direct deposit of your wages.
  • Where can I use my SDCCU Cash Card?
    • At almost any merchant that accepts Visa debit cards
    • Online for purchases and bill payments
    • At financial institutions that accept Visa debit cards to make cash withdrawals
    • At any ATM that accepts Visa debit cards
  • Are there any special types of transactions I should know about before I shop with my SDCCU Cash Card?
    Gas Stations - Paying at the pump may cause a minimum hold until the transaction clears; consider paying inside with the attendant for the exact amount and signing the receipt instead.
    Restaurants - Restaurants may authorize your card for the amount of the dining bill to verify you have enough money in your account. Make sure you have enough funds on the card to cover any additional tips or gratuities.
    Hotels - Hotels may put a hold on the amount of your estimated bill, making that amount unavailable for other purchases. When you check out, that hold may take a few days to be removed.
    Auto Rentals - You may use your card for final payment for a rental car bill; however, a credit card may be necessary to reserve a rental car.
    Returning Purchases - Store return policies may vary. You may receive a credit to your card, a cash refund or even a store credit, depending on the particular store. A credit to your account may take up to one week to process before it is available for use.
  • How do I find out what the PIN number is for my SDCCU Cash Card?
    By calling (855) 559-2663 or (954) 377-4496 outside the U.S., you will be provided the assigned PIN and then prompted to select a new PIN, if desired. Please refer to the SDCCU Cash Card Fee Schedule for fees.
  • What do I do if my SDCCU Cash Card is lost or stolen?
    If your card is lost or stolen, please call our customer service line immediately at (855) 559-2663 or (954) 377-4496 outside the U.S. to report the incident. A replacement card will be sent to you and the remaining balance on your lost or stolen card will be transferred to the new card. Please refer to the SDCCU Cash Card Fee Schedule for fees.
  • Why do I need to activate my SDCCU Cash Card?
    Activation is a security measure to prevent your card from being stolen out of the mail. Activation will require you to validate information to ensure that you have received your SDCCU Cash Card. The card must be activated before you are able to use it. Your SDCCU Cash Card can be activated by calling (855) 559-2663 or (954) 377-4496 outside the U.S. or at sdccu.com/prepaid.
  • How can I access cash?
    Use your PIN number to withdraw funds from any ATM where Visa debit cards are accepted. To withdraw funds from a financial institution, present the card to the teller and ask for a cash advance or withdrawal. In some instances, retailers will allow you to obtain cash back after making a purchase when you enter your PIN and select “debit” on the point of sale terminal. Please refer to the SDCCU Cash Card Fee Schedule for fees. To locate an ATM near you, visit sdccu.com or usa.visa.com.
  • What is online banking? How does it work?
    Online banking is a way to conduct your financial business securely on a website or mobile app. Once you enroll using your SDCCU account number and Personal Identification Number (PIN) assigned at account opening, you can access your account 24/7 at sdccu.com or through our mobile app. For more on how Internet Branch works, watch the online banking demo.
  • Do I need a special account to use Internet Branch?
    Any deposit account, including your primary savings account, makes you eligible to enroll in Internet Branch. Just click Enroll Today.
  • What are the advantages of online banking?
    Convenience, security and real-time access around the clock are just a few advantages of online banking with SDCCU. Accessing your SDCCU accounts online can be a better way to keep track of your finances, stick to your budget or even catch erroneous charges. Best of all, it can help you go paperless, protecting your identity and the environment.
  • How can I open an account online with SDCCU?
    You can open an account online with SDCCU in just a few easy steps. 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.
  • Is online banking with SDCCU safe?
    Internet Branch online banking is safe and secure. Learn more about online banking security.
  • What is Bill Payer Plus?

    Bill Payer Plus is our online bill payment service. Paying your bills with Bill Payer Plus is convenient, easy and secure. With Bill Payer Plus you can view select bills, pay almost all of your bills and view past payments with just a few clicks of your mouse.

  • What does Bill Payer Plus cost?
    Bill Payer Plus is $0 with FREE Checking with eStatements accounts. For other accounts, the $4.95 monthly fee is waived when used to make three or more payments per calendar month. 
     
  • Who can I pay with Bill Payer Plus?
    Bill Payer Plus gives you the freedom to pay almost anyone, at any time. Tax or court ordered payments, payments to payees outside of the United States, State and Federal tax payments are prohibited.
  • What do I need in order to use Bill Payer Plus?
    You need to enroll in our free Internet Branch online banking service to access Bill Payer Plus. Once you are logged into Internet Branch, simply click on the Bill Payer Plus tab to enroll and you are ready to start paying your bills the easy way.
  • When will the money come out of my account?
    The money will be withdrawn from your account when the bill is paid, not the day you schedule the payment. If you schedule a bill today to go out the first of next month, the money will come out of your account on the first of next month.
  • What are eBills?
    eBills is an optional feature that provides you electronic bills from select billers. If you sign-up for an eBill, a red eBill logo will show up next to the biller name when a new bill arrives. Depending on the vendor, the eBill may replace your paper bill.
  • What is Popmoney?
    Popmoney is the easy way to send money to anyone. All you need is their mobile phone number, email address or account number to send them money electronically, no matter where they bank.
  • What does Popmoney cost?
    There is no cost to use Popmoney. Since Popmoney is part of our Bill Payer Plus service, you must enroll in Bill Payer Plus to send funds through Popmoney. The Bill Payer Plus $4.95 monthly fee is waived with: all FREE Checking with eStatements accounts or when used to make three or more payments (not including Popmoney payments) per calendar month. Popmoney instant is available for a fee
  • Who can I pay with Popmoney?
    You can pay anyone with a bank account. The recipient will receive a text message or email with instructions on how to claim their money. They will need to register with Popmoney the first time they use the service.
  • Is Popmoney available outside the U.S.?
    The Popmoney personal payment service is only available for use between banking accounts that are located in the United States.
  • How much can I send through Popmoney?
    The minimum payment amount is $5. The maximum amount you're allowed to send is listed next to the Amount field within Popmoney. This amount is reduced each time you send a payment and then reset on a rolling seven day period. For example, if your maximum amount is $1,000 and you send $100 to someone, your maximum amount changes to $900 for the day. When your maximum amount reaches $0, you cannot send money until it resets. Note: Next day payments to other Popmoney users are limited to $500 per day.
  • How do I send a payment?
    Log into online banking and access Bill Payer Plus. Click on the Popmoney button at the top. Then just enter the recipient's name, mobile phone number, email address or account number, the amount of the payment, your personal message and click Send.
  • How do I claim a payment?
    Members: Bill Payer Plus users can simply log into Bill Payer Plus, click Popmoney and then click the Claim Money link. No action is required on money sent from one SDCCU Popmoney user to another. If you do not wish to enroll in Bill Payer Plus, follow the non-member instructions below. 

    Non-members: Access Popmoney.com, enter your mobile phone number or email address, enter the Secure Transaction Code you received by text or email and click Get Money. You will need to enter your financial account information and go through a verification process the first time you access the site.
  • How long does the payment take?
    Payments take one business day once the recipient is registered with the Popmoney network. The initial payment can take up to four business days after enrollment.
  • Why does it say my email address or phone number is already in use?
    Some financial institutions that offer Popmoney may auto-enroll you in this service. This means that your email address and/or phone number may already be associated with your profile at that institution. You can only use one email address and phone number per Popmoney profile. This is how Popmoney identifies what account to deposit/debit your payments from/to. To enroll in SDCCU's Popmoney, you will need to unsubscribe with your other financial institution or use an alternate email address and phone number. Enroll today!
  • 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 apply for an auto loan?
    You can apply for a SDCCU auto loan online, by visiting any of our branch locations or by calling us at (877) 732-2848. You can apply to purchase an automobile or refinance your existing vehicle.
  • What credit score do I need to apply and qualify for an auto loan?
    Your credit score is one of several factors that determine qualification for applying for an auto loan. Other factors that are considered for your car loan include debt to income ratio, how well you have managed prior credit and length of credit history. If you have a poor credit history, there may be steps you can take to improve your credit score. To learn more about credit management and understanding your credit report, visit sdccu.com/balance.
  • Can I get an auto loan with bad credit?
    A low credit score may not necessarily preclude you from obtaining a SDCCU auto loan. You may still be able to obtain a car loan, depending on your credit history and other factors that influence your borrowing ability. If you have a poor credit profile, you may want to consider taking the time to build your credit and strengthen your personal finances before pursuing a car loan. To learn more about building a strong credit history, credit management and understanding your credit report, visit sdccu.com/balance.
  • Can I refinance my car loan through SDCCU?
    You can apply to refinance your car loan with SDCCU through the same application process as those purchasing a vehicle. Simply apply online, visit any of our branch locations or call us at (877) 732-2848.
  • Can I make auto loan payments online?
    Yes. You can make payments on your SDCCU auto loan using Internet Branch online banking at sdccu.com or via the SDCCU mobile banking app. Simply transfer funds from your SDCCU checking or savings account to your auto loan account. You can also schedule your payments to be automatically deducted on your due date by contacting us via Live Chat or calling (877) 732-2848. We’re here to help make your payments for your auto loan online as easy as possible.
  • What determines my auto loan rate?
    When applying for an auto loan, your auto loan rate may vary based upon the collateral, amount financed, loan term and your credit history.
  • How much can I borrow with an auto loan?
    Apply for pre-qualification for an auto loan online today to see how much you may qualify for. It is also recommended that you check our auto loan payment calculators to determine how much you can afford for your car loan.
  • What is an eStatement?
    An eStatement in an electronic copy of your account statement, available to you online, at any time, through Internet Branch. An eStatement looks identical to your paper statement and is stored online for up to 4 years. eStatements help save the environment and save you the hassle of filing your bulky monthly statements.
  • What do eStatements cost?
    eStatements are free for all members.
  • How do I get my eStatements?
    View your eStatements securely by logging onto Internet Branch and clicking eStatements under the Accounts tab. Your eStatement will be available by the 6th of each month. Each eStatement will remain viewable for for up to 4 years. You can also save a copy of your eStatement to your computer.
    You will be emailed each month when your eStatement is ready. Please make sure your email address is current under the Self Service tab in Internet Branch.
  • When will my statement arrive?
    Generally, monthly statements and/or eStatements will be sent the first week of each month.
  • Do I need anything special to view my eStatements?
    No. All you need to receive eStatements is to enroll in Internet Branch, enroll in eStatements and have Adobe Acrobat Reader. If you do not already have Acrobat Reader you can download it here for free.
  • Are all of my account statements available as eStatements?
    Yes. Each monthly account statement you currently receive can be delivered as an eStatement.
  • What is an eNotice?
    An eNotice is an electronic copy of a paper mailed notice available through Internet Branch, our online banking system. When you sign up to receive eNotices, you will no longer receive paper notices in the mail. (Select notices will still come in the mail.)
  • Are eNotices emailed to me?
    No, to protect your information, we do not email the notice to you. We will send you an email to notify you that a new eNotice is ready for you to view through Internet Branch. You must provide us your current email address in order to receive eNotice alerts. There will also be a link within Internet Branch notifying you that you have new eNotices to view.
  • How long will my eNotices be available?
    Your eNotices will be available for up to 90 days.
  • Do I need special software to view eNotices?
    You will need Adobe Acrobat Reader to view your eNotices. If you do not have this program you can download it for free at adobe.com.
  • What types of notices would I receive through this service?
    eNotices include Insufficient Funds, Certificate Maturity, late payment notices and most other SDCCU notices. Not all notices are currently available through eNotices and you may receive a paper notice in the mail occasionally.
  • Is there a fee to receive eNotices?
    No, eNotices are provided free of charge for your convenience.
  • Can I cancel eNotices and begin receiving paper notices again?
    You may cancel eNotices at any time by sending us a Secure Message through Internet Branch or by calling us at (877) 732-2848. Please allow 10 business days for your request to be completed.
  • What is an eTax Form?
    An eTax Form is a legal copy of your SDCCU tax form.
  • Are eTax Forms emailed to me?
    No, to protect your information we do not email your tax form to you. We will send you an email to notify you that your eTax Form is ready for you to view through Internet Branch. You must provide us your current email address in order to receive eTax Form alerts. There will also be a link within Internet Branch notifying you that you have new eTax Forms to view.
  • How long will my eTax Forms be available?
    Your current year and prior year tax forms will remain available.
  • Will my Social Security Number display on my eTax Form?
    Your Social Security Number will be shortened on your eTax Form for added security.
  • Do I need special software to view eTax Forms?
    You will need Adobe Acrobat Reader to view your eTax Forms. If you do not have this program you can download it for free at adobe.com.
  • Is there a fee to receive eTax Forms?
    No, eTax Forms are provided free of charge for your convenience.
  • Can I cancel eTax Forms and begin receiving paper tax forms again?
    You may cancel eTax Forms at any time by sending us a Secure Message through Internet Branch or by calling us at (877) 732-2848. Please allow 10 business days for your request to be completed.

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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Be a Part of San Diego’s
BEST Credit Union

Why Bank at SDCCU?