ATMS & BRANCHES
LOG IN

Checking Accounts

Open an Account Today

All the checking options you're looking for, and more

San Diego County Credit Union has a variety of checking accounts to fit every member’s unique needs, from a Free Checking with eStatements account with no monthly fees to a High-yield checking account that pays you dividends. Enjoy the freedom to manage your checking account from anywhere, with ease. We welcome individuals throughout Southern California to join SDCCU and open a Free Checking with eStatements account online today. 

Convenient access

Convenient access

30,000 surcharge-free ATMs nationwide and millions of merchants worldwide with your Visa® debit card.

FREE Checking with eStatements

FREE Checking with eStatements

No monthly account fees.

Online banking

Online banking

Take advantage of online services like real-time account alerts through our online and mobile banking services.

Get Paid up to One Day Earlier*

Get Paid up to One Day Earlier*

With direct deposit.

Find the checking account that's right for you

At SDCCU, we understand that everyone's financial stability matters. That's why we offer a range of checking account options to fit your current goals and lifestyle along with the tools to help you manage your money on the go. Whether you're opening your first account, prefer the simplicity of Free Checking with eStatements or are interested in a high-yield option, we've got you covered.

Classic checking

Classic checking

Earn dividends on your balance with our classic checking account, paid monthly with an average daily balance of $1,500 or more. If you value the predictability of consistent monthly returns, our Classic checking account is perfect for you.

  • Monthly fee: the $5 fee is waived with one of the following:
    • Direct deposit ($100 minimum per pay period)
    • $2,500 or more combined average daily savings balance
    • $1,000 or more average daily checking balance
  • Minimum opening deposit: $25
Open an Account
Classic checking
Free Checking with eStatements

Free Checking with eStatements

Pay no monthly checking fees on our popular free checking account when you sign up to receive eStatements. This convenient option with no monthly checking fees offers a seamless and budget-friendly approach to managing your finances, allowing you to access your statements electronically with ease.

  • Monthly fee: $0 with eStatements; $2 with paper statements
  • Minimum opening deposit: $25
Open an Account
High-yield checking

High-yield checking

Get higher returns on your balance with our high-yield checking account, which earns competitive dividends based on the average daily balance. You can watch your savings grow steadily month after month.

  • Monthly fee: the $15 fee is waived with $25,000+ average daily balance
  • Minimum opening deposit: $5,000
Open an Account
High-yield checking
Teen checking

Teen checking

Help your teenager learn valuable money management skills by opening their own teen checking account through our teenFIRST® program. Our teen checking account is a great option for Southern California teens between the ages of 13 and 17, who are looking to start managing their money more responsibly.

  • Monthly fee: no monthly fee1
Find a Branch

*SDCCU offers credit of your direct deposit approximately one business day before your actual pay date as long as your employer provides SDCCU notification with two to three business days in advance, which many employers do. Actual deposit date is not guaranteed. SDCCU assumes no liability for not depositing funds to your account early.

1Member must be 13 to 17 years old and have valid ID in order to take advantage of products and services offered in the teenFIRST program. Parent or guardian must be Joint Owner on the account until the teen reaches the age of 18. Teen will be the primary member on the account. teenFIRST accounts are not eligible for Courtesy Clearing or Debit Card Overdraft Service. Once member has reached the age of 18, member will be able to take advantage of SDCCU’s full line of products and services. Once member turns 18, the teenFIRST Checking account automatically converts to a FREE Checking with eStatements account and is free when enrolled in eStatements. Otherwise, a monthly fee of $2 applies. 

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

Check out our High Yield Checking Account rates.

FAQS

Frequently Asked Questions

WHAT PEOPLE ARE SAYING

"I have been a SDCCU member for many years and am amazed how friendly and fast service is. I have had nothing but excellent service at SDCCU. Every time I visit a branch I am greeted with a hello and a smile."

Andrea Z., Lake Elsinore

san diego's best

Be a Part of San Diego's
BEST Credit Union

Why Bank at SDCCU?

More products for more occasions

Whether you’re buying your first home, a new or used car or simply looking to save, we have the products and services you need to get going.

You may also be interested in

Apply for a Loan

Thanks for applying for a loan with SDCCU!
Before we continue, please answer the following questions:

Welcome to SDCCU

Before we continue, please answer the following questions:


Are you a current SDCCU member?
What will you be applying for?
GO
Thanks for applying for a business loan with SDCCU!
Before we continue, please answer the following questions:

What will you be applying for?
GO

By clicking the "Go" button below, you acknowledge that you are leaving sdccu.com and going to a third party website. You are entering a website which has separate privacy and security policies. SDCCU® is not responsible or liable for any content, products, services, privacy and security or external links on the third party's website.