Savings Accounts

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.

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.

For business checking requirements, please visit the Business Checking page for more information.

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.

$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.

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.

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.

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.

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.

Yes, you can make deposits to your SDCCU deposit accounts at any deposit taking CO-OP ATM. Find one here.

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.

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.

SDCCU’s ABA Routing Number (or bank routing number) is 322281617.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

Your personal loan rate may vary based upon the loan type, collateral (if applicable), amount financed, term and your credit history.

Apply for a personal loan today to see how much you may qualify for.

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.

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.

You can add money to your card at any SDCCU branch, online at sdccu.com/prepaid or through the direct deposit of your wages.

• 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

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.

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.

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.

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.

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.

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.

Any deposit account, including your primary savings account, makes you eligible to enroll in Internet Branch. Just click Enroll Today.

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.

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.

Internet Branch online banking is safe and secure. Learn more about online banking security.

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.

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. 
 

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.

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.

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.

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.

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.

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. 

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.

The Popmoney personal payment service is only available for use between banking accounts that are located in the United States.

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.

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.

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.

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.

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!

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

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.

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.

iPhone and Android users can download an app directly from the App Store^SM 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.

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
 

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.

To access SDCCU’s mobile banking, use your current Internet Branch online banking credentials.

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.

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

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.

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.

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.

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.

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.

Only your account name (e.g. Jane’s checking), account suffix (last 2 digits), account balances and biller names display in 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.

Yes, transfers occur immediately. Transfers cannot be made via SMS text banking.

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.

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.

There is no additional enrollment required to use SDCCU Mobile Deposit within the mobile banking app. 

Yes, SDCCU Mobile Deposit is safe. Access to the application on your mobile phone requires your Username and Password.

SDCCU does not charge any fees for using SDCCU Mobile Deposit. Message and data rates may apply. Contact your wireless carrier for details.

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

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

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.

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. 

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.

You can deposit up to $5,000 per day through SDCCU Mobile Deposit.

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.

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.

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.

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.

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.

When applying for an auto loan, your auto loan rate may vary based upon the collateral, amount financed, loan term and your credit history.

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.

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.

eStatements are free for all members.

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.

Generally, monthly statements and/or eStatements will be sent the first week of each month.

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.

Yes. Each monthly account statement you currently receive can be delivered as an eStatement.

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.)

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.

Your eNotices will be available for up to 90 days.

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.

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.

No, eNotices are provided free of charge for your convenience.

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.

An eTax Form is a legal copy of your SDCCU tax form.

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.

Your current year and prior year tax forms will remain available.

Your Social Security Number will be shortened on your eTax Form for added security.

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.

No, eTax Forms are provided free of charge for your convenience.

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.