Checking Accounts

SDCCU has over 30,000 surcharge-free ATMs and 43 branch locations.

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. And, whether you select our Free Checking with eStatements account, high-yield checking account, or any other option, you have the freedom to manage your funds from anywhere, with ease.

ATM access

Visit any one of our 30,000 surcharge-free ATMs nationwide.

FREE Checking with eStatements

No monthly account fees.

Online banking

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

Visa® debit card

Accepted at millions of merchants worldwide.

Find the checking account that's right for you

Choose the option that best suits your current goals and lifestyle. Take a look at our four checking account options below, and discover which account aligns with your needs.

Classic checking

Earn dividends on your balance with our classic checking account, paid monthly with an average daily balance of $1,500 or more.

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

Free Checking with eStatements

Pay no monthly checking fees on our popular free checking account option when you sign up to receive eStatements.

Monthly fee: $0 with eStatements; $2 with paper statements
Minimum opening deposit: $25

Open an Account

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.

Monthly fee: the $15 fee is waived with $25,000+ average daily balance
Minimum opening deposit: $5,000

Open an Account

Teen checking

Help your teenager learn valuable money management skills by opening their own teen checking account through our Teen First^® 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

^₁Member must be 13 to 17 years old and have valid ID in order to take advantage of products and services offered in the Teen First 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. Teen First 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 Teen 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.

See our current rates

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

FAQ
Frequently asked questions

Where can I learn more about checking accounts?
Our Checking 101 page is a great place to start. This page breaks down the basics of banking to help you decide which SDCCU checking account is right for you.
Can anyone open a SDCCU checking account?
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.
How do I open a checking account?
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.
Is the process any different for a business checking account?
For business checking requirements, please visit the Business Checking page for more information.
Is my checking account completely free of monthly fees?
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.
What is the minimum opening deposit for a checking account?
$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.
If I open an account online, how is it funded?
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.
What if I have bad credit or am on the ChexSystems list?
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.
Is my credit report pulled when applying for an account?
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.
When are my deposits available for use?
Cash deposits are available immediately. Check deposits are subject to our standard check hold policy. Please review SDCCU’s Funds Availability disclosure in our Account Disclosures and Agreement for more information.
Can I make deposits at any CO-OP ATM?
Yes, you can make deposits to your SDCCU deposit accounts at any deposit taking CO-OP ATM. Find one here.
Can I use a checking account instead of a savings to save my funds?
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.
Are savings accounts free?
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.
What is SDCCU’s routing number?
SDCCU’s ABA Routing Number (or bank routing number) is 322281617.
I have direct deposit somewhere else, how do I switch?
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.
I have all of my bills set up on auto-pay; how do I switch?
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.

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

Be a Part of San Diego’s
BEST Credit Union

Why Bank at SDCCU?

Be a Part of San Diego’s
BEST Credit Union

Why Bank at SDCCU?

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