Open an Account Online

Are you ready to move away from big bank banking and switch to a credit union?

You can open a bank account online with SDCCU in about 10 minutes, from your phone or your desktop computer, with no branch visit required. Opening an account with SDCCU gives you access to the banking perks you love such as Free Checking with eStatements, mobile banking and so much more. Open an account online with not just any credit union, but with San Diego’s BEST Credit Union! We have all the big bank products you want without the "big bankers."

Your deposits are federally insured by NCUA up to $250,000 per depositor. As a member-owner, you also share in the credit union's success through better rates and lower fees.

Open an account with our credit union to get access to benefits including:

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How to Open a Credit Union Account Online

Choose any of the following to easily open a credit union account today:

Apply Online: Complete your application online and fund your account in under 10 minutes
Visit a branch: Stop by any of our convenient branch locations and apply in person. Make an appointment now
Call Us: Reach a representative at (877) 732-2848

Existing customers can apply through Internet Branch online banking.

What you'll need to apply

Have these five items ready before you start your credit union application online:

A government-issued photo ID
Your Social Security Number
Your date of birth
Your current physical address
A funding method for your opening deposit

Select at least one membership product, such as our Primary Savings account, which establishes your ownership share in the credit union.

What happens after you apply

You can fund your opening deposit by transferring from another financial institution, by wire, or by mailing a check or money order. Once your account is open, enroll in Internet Branch online and mobile banking to start managing your money right away.

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Credit Union Membership Requirements

Wondering how to join a credit union? Most Southern Californians already quality, and if you are included in any of the following, you are ready to apply:

You live or work in Southern California: This includes Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, and Ventura counties.
You're related to a current member: Any immediate family or household member of a SDCCU member is eligible.
Live Outside of Southern California? Join the Financial Fitness Association for a low $8 fee. If you become an association member, there is no geographic restriction.

Learn more about credit unions and how member ownership works differently from a bank.

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How to Switch Your Account to a Credit Union

Make It Easy With Our QuicKit
Take advantage of these easy to use forms to quickly and easily switch all your accounts to SDCCU. Use our QuicKit to set up your account today.
Start Direct Deposit
Use the appropriate direct deposit form to switch your direct deposit to your new savings or checking account. Forms may also be available through your employer or issuing institution. Social Security and government pension forms are also available. Once complete, your direct deposit will be waiting for you in your credit union account on payday.
Close your old bank accounts
Once your direct deposits have been directed into your new account and checks have cleared (for checking and money market accounts), you are ready to close your old bank accounts. Use the convenient Close My Account Form and send it to your old financial institution. It's that easy.
Check our rates
View our current loan and deposit rates for all of our great products and services.
Apply for a loan
Apply online for a mortgage loan, home equity line, car loan or Visa^® credit card.

How to Open a Business Account Online

Business owners can open a business bank account at any of our convenient branch locations. Our business checking accounts are built for sole proprietors, LLCs, and corporations across Southern California, with business savings, business credit cards, and merchant services available as your business grows. To open a business account, you'll need your business formation documents, EIN, and a government-issued ID for each authorized signer. Call Business Services at (877) 732-2848, ext. 6200 to get started, or explore buisness banking.

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

Direct Deposit

Direct deposit into your checking account.

Learn More About Direct Deposit

Order Checks

SDCCU offers convenient ways for you to order checks.

How to Order Checks

Checking 101

What is a checking account?

Learn More

Disclosures

We want to help you make the right choices.

Personal Account Disclosures

FAQS

Frequently Asked Questions

Can I open a joint account or an account for my child?

Yes. You can add a joint owner to an account during the application, and parents or guardians can open accounts for minors. Visit a branch or call (877) 732-2848 for accounts involving a minor.
Is there a fee to join SDCCU?

There is no membership fee for eligible Southern California residents and workers. If you live outside our service area, you can join the Financial Fitness Association for a one-time $8 fee. Free Checking with eStatements requires a $25 opening deposit and has no monthly service fee.
How long does it take to open an account with SDCCU?

Signing up for a credit union account with SDCCU is fast and easy, and can be done online. You also have the option to visit a branch or call (877) 732-2848 for assistance.
Is there a free online checking account available at SDCCU?

Yes, SDCCU offers a Free Checking with eStatements account that requires a minimum deposit of $25.00 and includes features like mobile banking without monthly fees.
What do I need to open a credit union account at SDCCU?

To open an account at SDCCU, you'll need provide a government-issued ID, your current address, Social Security Number, date of birth and select at least one membership product such as the Primary Savings account.
What is a credit union?

A credit union is a not-for-profit cooperative financial institution made up of members. Credit unions offer most of the same services as traditional banks but are owned by members rather than shareholders.

SDCCU returns operating profits to our members, so you can enjoy competitive rate loans and rates of return on deposit accounts, excellent member service, free financial education and more!
What types of accounts are offered by SDCCU?

SDCCU offers a variety of bank accounts including Savings, Checking and Certificate accounts, each with specific features and minimum deposit requirements.