Online Banking

Easy access to your accounts

Access your SDCCU accounts quickly, easily and securely through Internet Branch online banking. Haven't enrolled yet? Enroll now.
Review your account summary, transaction history, copies of paid checks and your monthly eStatements. View and order checks, pay bills with Bill Payer Plus™ and more. You can also download your account history data to Quicken® or QuickBooks™.

Bill Payer Plus™

Save time and money by making payments online with the convenience of our easy online bill payment service.

Account Alerts

Stay up to date on your account details and prevent fraudulent activity with email and text alerts on your account.

SDCCU Mobile Deposit

Deposit checks real-time with SDCCU Mobile Deposit.


Transfer money quickly & easily between your outside accounts and your SDCCU accounts.

Services to simplify your life

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eStatements & eNotices

Go green with SDCCU! Receive many of your account notices online via the security of Internet Branch online banking. Log into Internet Branch online banking and click eStatements, eNotices, eTax Forms and/or eReceipts to enroll for each service.
  • eStatements: you’ll receive an email notification that your eStatement is ready
  • eNotices: view notices, letters and other account correspondence online
  • eReceipts: your in-branch receipts will be saved in online banking for future reference
  • eTax Forms: view or print your tax forms quickly and easily
Open an Account Log In
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SDCCUdirect® allows you to transfer money quickly and easily between your accounts at outside financial institutions and your SDCCU accounts. You can process one time and recurring transfers quickly and easily!2

  1. Log into Internet Branch and click Transfers.

  2. Select with other banks and create your profile

  3. Input your external account information

  4. Check your external account for two small trial deposits

  5. Log back into SDCCUdirect to confirm the trial deposit amounts

 Log into online banking and click transfers to get started.

Open an Account Log In

1Tax or court ordered payments, payments to payees outside of the United States and State and Federal tax payments are prohibited. 2Refer to the Consumer Services Fee Schedule for applicable fees.
Message and data rates may apply.

Frequently asked questions
  • 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
  • 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
  • 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 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 or through our mobile app.
  • 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, 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 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.
  • 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 if I don’t know my account number?

    There are a few ways you can obtain your account number. You may find your account number by:

    First, your account number is on your SDCCU checks. Your account number needed to switch 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 new 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."
  • What do I do if I forgot my username or password?
    Visit 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?

    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 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:

    • Below is a list of gateway addresses for major US carriers:
      • Alltel:
      • AT&T:
      • Boost Mobile:
      • Cricket:
      • Metro PCS:
      • Project Fi:
      • Republic Wireless:
      • Sprint:
      • Straight Talk:
      • Ting:
      • T-Mobile:
      • U.S. Cellular:
      • Verizon:
      • Virgin Mobile:

    Message and data rates may apply.


“I have been with SDCCU for many years. I now live outside of their service area, but thanks to online banking and the mobile app, I am still able to maintain my accounts with SDCCU, and will continue to do so as long as possible.”

Kay B.

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BEST Credit Union

Why Bank at SDCCU?

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