SDCCU Services

SDCCU offers a variety of financial services online and in our 33 convenient branch locations

Cashier’s Checks and Traveler’s Checks

Cashier’s and Traveler’s checks are available in any amount. SDCCU Visa gift cards and Visa pre-paid reloadable cards are also available. Pick yours up today at any SDCCU branch.

Overdraft Protection

Overdraft protection helps to protect your account when there are not enough funds available. These services are available on many accounts by transferring available funds from another SDCCU account, your SDCCU Visa® or payment through our Courtesy Clearing or Check/Debit Card Overdraft Service. Enroll for account-to-account overdraft transfers through Internet Branch Self Service or at any SDCCU branch location.

Account Alerts
Account alerts are a great way to stay up-to-date on your account details and prevent overdrafts from occurring. SDCCU offers email and text alerts on your accounts. Basic alerts on balances and transaction details can be set-up in Internet Branch Self Service. For more advanced, real-time alerts, enroll in our FREE MoneyTracker service. You can set alerts from your balance dropping below a certain amount to charges at a specific retailer over $10. Just click MoneyTracker within Internet Branch to get started. 

Courtesy Clearing
Courtesy clearing is maintained on qualified accounts at no cost. Instead of worrying over a missed calculation in your checkbook or the embarrassment of receiving a non-sufficient funds returned item, SDCCU may pay items up to a set limit (varies). When your overdraft items are paid by SDCCU, your account will only be charged a standard fee; see the Consumer Services Fee Schedule for current charges.
Check/Debit Card Overdraft Service
SDCCU's Check Card Overdraft Service gives you additional peace of mind that your debit card transactions will be approved when you need them to be. When you enroll in this service, SDCCU may authorize your PIN, ATM and signature-based debit/check card transactions, even if there is not enough money in your checking account. This means you can pay for emergency transactions, even if you don’t have the required funds. Check/Debit Card Overdraft Service is available upon request only, so opt-in today!

There is no cost to opt-in!
  • No fee to enroll in Check/Debit Card Overdraft Service.
  • No fee for Check/Debit Card Overdraft Service unless you use it.
  • No fee to use Check/Debit Card Overdraft Service unless your checking account is overdrawn by more than $20. This is an added benefit that is designed to provide you with an extra cushion.
Enroll Today
Opt-in or re-opt-in today and we will quickly set-up your account with Check/Debit Card Overdraft Service. You will need your Enrollment Code to enroll online. You can find your Enrollment Code for eligible accounts through Internet Branch Self Service. If you don't have your Enrollment Code, please call us at (877) 732-2848 or visit any of our convenient branch locations to enroll.

Safe Deposit Boxes

Safe deposit boxes are available at many SDCCU branch locations. Visit the branch locations page and look for branches that have a + next to the branch name. Visit the branch for current safe deposit box availability.

Wire Transfers

Incoming and outgoing domestic and foreign wire transfers are available for a nominal fee. For faster processing, please make your wire requests by noon. Call or visit a SDCCU branch for details.
Please see the Consumer Services Fee Schedule for current charges. 
Message and data rates may apply. 
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Why People Love Us

SDCCU Reviews

"I have been a SDCCU member for many years and am still finding out about all of the great things that they do! My questions are answered promptly and in a way that helps me make better financial decisions." Marcus P., San DiegoMember since 2005

San Diego County Credit Union® was founded on the principle that people come first and profits second. This forward-thinking approach in the banking industry has propelled SDCCU® to become San Diego’s BEST Credit Union and largest locally-owned financial institution. SDCCU provides breakthrough banking products that meet the demands of today’s lifestyle and delivers banking services that save customers money. SDCCU serves customers nationwide with 30,000 surcharge-FREE CO-OP ATMs and 33 branch locations in San Diego, Riverside and Orange counties. Open an account today.

30,000 surcharge-FREE ATMs

30,000 Surcharge-FREE ATMs

Access your money anywhere with 30,000 surcharge-FREE co-op ATMs nationwide.
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5/5 ARM

No Closing Costs

5/5 ARM Home Loan
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Auto Buying Service

Let SDCCU Do The Work!

You provide the details of the car you want and we'll locate it, negotiate the price and coordinate delivery for you – at no cost.
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0% Intro APR

0% Intro APR* on Balance Transfers

Good through January 1, 2015 on balance transfers made by May 1, 2014.
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SDCCU Mobile Deposit

Deposit checks from your smart phone in real time.
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