Expecting a Golden State Stimulus II payment? Log into online banking to setup an account alert when a direct deposit hits your account. Visit ftb.ca.gov for eligibility criteria and payment status. SDCCU representatives cannot validate eligibility of payments. 

On Saturday, September 18 from 12 to 6 a.m. the following services will be unavailable: eStatements, eNotices and eTaxForms. Thank you for your patience as we work to improve your online services.
Expecting a Golden State Stimulus II payment? Log into online banking to setup an account alert when a direct deposit hits your account. Visit ftb.ca.gov for eligibility criteria and payment status. SDCCU representatives cannot validate eligibility of payments. 

On Sat., Sept. 18 from 12 - 6 a.m. the following will be unavailable: eStatements, eNotices & eTaxForms. Thank you for your patience as we work to improve your online services.
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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

Person using credit card

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 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
    • Quickly and securely deposit checks
    • 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 the SDCCU Mobile Banking app.
    • Open the 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.
  • After I update the SDCCU Mobile Banking app, I get a URL error.
    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.
  • When downloading the SDCCU Mobile Banking app, which mobile banking link should I use?
    iPhone and Android users can download an app directly from the App StoreSM or Google Play™. 
  • How do I use SMS text banking?
    Step 1: Create a username and password for Internet Branch.
    Step 2: 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.
    Step 3: After registration, text the commands listed below to SDCCU (73228) and you will receive a response text with the information requested.
     
    B/Bal = Balance
    H = Transaction History
    M = Move to next 5 transaction History
    T = Transfer
    M = Nicknames
    Help = Text banking help
    Stop = Cancel 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 and Password?
    To access SDCCU’s mobile banking, use your current Internet Branch online banking credentials.
  • 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
    • Multi-factor secure authentication
    • Biometrics are used for enhanced security
  • I can already access Internet Branch from my phone. Why do I need SDCCU’s mobile banking app?
    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 Mobile Banking 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?
    Account information available on Internet Branch online banking is available on the SDCCU mobile banking app including statements, pending transactions, balances and more.
  • Can I pay bills through the mobile banking app?
    Yes. You can view and pay bills through mobile banking after you are enrolled in Bill Payer Plus. You can enroll either through Internet Branch online banking or the SDCCU mobile banking app. 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.
  • 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 for SDCCU Mobile Deposit?
    SDCCU Mobile Deposit is specifically formatted for iPhone, iPad and Android devices.
  • Why isn't my check being accepted when using SDCCU Mobile Deposit?
    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 Mobile Banking 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. 
  • How long does Mobile Deposit take?
    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 using Mobile Deposit?
    You can deposit up to $5,000 per day through SDCCU Mobile Deposit.
  • Forgot Password – how to reset it?
    If you forgot your password, reset your password here. For a step-by-step tutorial, view the video below:

     
  • What if I don’t know my account number?

    There are a few ways you can obtain your account number.

    First, your account number is on your SDCCU checks. Your account number will be the bottom middle number, without the last 2 digits. For example, if the number on your checks is 000123456790, your account number is 0001234567. See graphic below.

    Second, come into your local SDCCU branch and ask one of our staff to assist you.

    Third, call us at (877) 732-2848.

  • How do I access the SDCCU mobile banking app?
    Open your device's app store and search SDCCU. You will see the app which features a white tile and a white sailboat on a teal circle and is titled "SDCCU-NEW."
    SDCCU-NEW
    sdccu-logo
    apple-app-store-icon
  • What do I do if I forgot my username or password?
    Visit sdccu.com/forgot to recover your username or reset your password.
  • Why do I need a separate username and password from my joint account holders?
    We’ve enhanced the security of our Internet Branch accounts by requiring all users to enroll separately.
  • How much does online banking cost?
    We provide Internet Branch online and mobile banking to our members at no charge. Message and data rates may apply.
  • Why do you need my phone number for online banking?

    Our enhanced authentication service helps to ensure your identity and information is protected. We will send you a one-time passcode via a text or phone call with a passcode that you need to enter. You will see this at
    login and when performing select transactions within online banking.

  • Will text banking be available?

    Yes, you can enroll in text banking in online banking. To enroll in text banking, add your mobile phone number to Internet Branch.

    If you have multiple SDCCU accounts with separate account numbers, you will need to enroll those additional accounts in email alerts and/or MMS text alerts. To set up MMS text alerts, you will need to input your cell phone number followed by your carrier’s gateway address under Phone Number when you enroll for text banking.

    For example, if your phone number is (123) 456-7890 and your carrier is AT&T, you will input the following: 1234567890@mms.att.net.

    • Below is a list of gateway addresses for major US carriers:
      • Alltel: mobile-number@mms.alltelwireless.com
      • AT&T: mobile-number@mms.att.net
      • Boost Mobile: mobile-number@myboostmobile.com
      • Cricket: mobile-number@mms.mycricket.com
      • Metro PCS: mobile-number@mymetropcs.com
      • Project Fi: mobile-number@msg.fi.google.com
      • Republic Wireless: mobile-number@text.republicwireless.com
      • Sprint: mobile-number@pm.sprint.com
      • Straight Talk: mobile-number@mypixmessages.com
      • Ting: mobile-number@message.ting.com
      • T-Mobile: mobile-number@tmomail.com
      • U.S. Cellular: mobile-number@mms.uscc.net
      • Verizon: mobile-number@vzwpix.com
      • Virgin Mobile: mobile-number@vmpix.com


    Message and data rates may apply.

  • What to do with checks after Mobile Deposit?
    After you successfully use mobile deposit, write “Deposited” and the date on the check. Keep it for 2 business days or until it has posted to your account. Afterwards, you can destroy it.

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?