Online Banking

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 Pay. 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The money will be withdrawn from your account when the bill is paid, not the day you schedule the payment.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 within the US. 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 Pay. 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 usually take around 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!

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 up to 7 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.

If you forgot your password, reset your password here. For a step-by-step tutorial, view the video below:

 

There are a few ways you can obtain your account number.

First, your account number is on your SDCCU checks. Your account number 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.

Open your device's app store and search SDCCU. You will see the app which features a blue and teal tile and a white sailboat on a teal circle and is titled "SDCCU."

Visit sdccu.com/forgot to recover your username or reset your password.

We’ve enhanced the security of our Internet Branch accounts by requiring all users to enroll separately.

We provide Internet Branch online and mobile banking to our members at no charge. Message and data rates may apply.

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 at
login and when performing select transactions within online banking.

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: 1234567890@mms.att.net.

• Below is a list of gateway addresses for major US carriers:
  • Alltel: mobile-number@mms.alltelwireless.com
  • AT&T: mobile-number@mms.att.net
  • Boost Mobile: mobile-number@myboostmobile.com
  • Cricket: mobile-number@mms.mycricket.com
  • Metro PCS: mobile-number@mymetropcs.com
  • Project Fi: mobile-number@msg.fi.google.com
  • Republic Wireless: mobile-number@text.republicwireless.com
  • Sprint: mobile-number@pm.sprint.com
  • Straight Talk: mobile-number@mypixmessages.com
  • Ting: mobile-number@message.ting.com
  • T-Mobile: mobile-number@tmomail.com
  • U.S. Cellular: mobile-number@mms.uscc.net
  • Verizon: mobile-number@vzwpix.com
  • Virgin Mobile: mobile-number@vmpix.com

Message and data rates may apply.

An eStatement in an electronic copy of your account statement, available to you online, at any time, through Internet Branch online banking. An eStatement looks identical to your paper statement and is stored online for up to 7 years. eStatements help save the environment and save you the hassle of filing your bulky monthly statements.

Log into Internet Branch online banking or on the SDCCU mobile banking app and click eStatements to enroll.

You can receive an eBill from hundreds of billers. Look for the eBill Sign Up image next to the biller name on the Bill Payer Plus main screen. eBills are included with Bill Payer Plus, there is no additional fee for this service. eBills are available from popular companies like: AT&T®, American Express®, Cox® Communications, DirecTV®, Macy's, SDG&E, State Farm Insurance®, Sprint™ and Verizon.

With eBills you can:

• Access full details of your bills online - safely and securely.
• Manage your finances in one location - Bill Payer Plus.
• Receive an optional email reminder when your eBill arrives.
• Review up to 6 months of stored bills online.

Log into Internet Branch and click Bill Payer Plus, then look for the eBill icon next to your eligible billers.