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SDCCUdirect® FAQs

 

What is SDCCUdirect?

SDCCUdirect™ makes it easy and convenient to transfer money to and from your accounts at external financial institutions and your eligible accounts at SDCCU. You can begin making transfers after your external account is verified through the trial deposit process. 

Once you are enrolled, it's easy to set up your external accounts. For security reasons, the name on your external account(s) must match the name on your SDCCU account. For joint accounts, each joint account holder will need to set up their own SDCCUdirect profile in order to use SDCCUdirect.

How do I begin? 

  1. Enroll in SDCCUdirect through Internet Branch. Log into Internet Branch and select Transfers & Payments from the navigation bar.
  2. Create your SDCCUdirect profile. Each account holder on your account (individual or joint) will create their own SDCCUdirect profile to access the service. In addition, each individual must use a unique email address.
  3. Input your external account information under the Manage Accounts tab and initiate the trial deposits. Two small trial deposits will be made into your external account within 2 business days.
  4. Check your external account for the two small trial deposits and note the amounts.
  5. Log back into SDCCUdirect to confirm the trial deposit amounts.
  6. You are now ready to transfer funds between your accounts. You may set up one time and recurring transfers.

How do I fund a Certificate Account using SDCCUdirect?

Log into Internet Branch and select Certificate to create your Certificate with the desired term and dollar amount, not to exceed $25,000. Choose the funding method “Transfer from a non-SDCCU account using SDCCUdirect”. If you do not already have an existing SDCCUdirect profile, you will be prompted to create one and to set up and verify your external account. If you already have a SDCCUdirect profile, you can initiate the transfer of funds for the Certificate from an existing verified account or add and verify a new external account. Please note that the rate of the selected Certificate is valid for 7 days from the date of creation. You may only have one SDCCUdirect Certificate Account transfer pending at a time.

How do I set up my external accounts?

Once you are enrolled, it's easy to set up additional external accounts. Log into SDCCUdirect, then you can add new external accounts under the Manage Accounts tab. Follow the same verification process as above.

Where do I find my trial deposits?

Access your external account's transaction history and look for two small deposits and one withdrawal totalling the two deposits. The deposits should be titled TRIALCREDT. The trial deposits should appear in your external account within 2 business days of adding the account to SDCCUdirect. There will also be a withdrawal labeled TRIALDEBIT in the same amount as the two deposits.

How many external accounts can I have set up with SDCCUdirect?

You may have up to 5 external accounts verified for transfers. You may delete accounts at any time in order to add new accounts.

Can I transfer the funds into any account?

All of your eligible SDCCU accounts will be listed for transfers. Some accounts, such as IRAs, are not eligible for this service.

Why can’t I transfer money from someone else’s account to my SDCCU account?

For security reasons only the person authorized to withdraw from the external account may initiate an automatic transfer. Therefore, the name on the external account must match the name on the SDCCU account.

Is SDCCUdirect safe?

Yes. SDCCUdirect is accessed behind the security of Internet Branch online banking. In addition, each account holder on your account (individual or joint) will create their own SDCCUdirect passcode to access the service. This ensures that only you have access to transfer funds from your external accounts.

Is there a fee to use this service?

There are no fees associated with transferring funds to your SDCCU accounts. Be sure to check the balance in your external account prior to making the transfer. Please refer to the Consumer Services Fee Schedule for applicable fees on transfers from your SDCCU account to an external account.

Are there transfer limits?

Yes, the following transfer limits apply and you may only have one SDCCUdirect Certificate Account transfer pending at a time.

  • Inbound transfers: 
    • Certificate Funding: $25,000
    • Single transfer and/or single day: $4,000
    • In process 30 day rolling period: $8,000
  • Outbound transfers
    • Single transfer and/or single day: $2,500
    • In process 30 day rolling period: $5,000

How long will my transfer take?

SDCCU utilizes the Automated Clearing House (ACH) system to transfer funds to your SDCCU account. It may take up to three (3) business days for standard transfers and one (1) business day for next day outbound.

How can I make a loan payment to another financial institution using Internet Branch online banking?

SDCCU offers many convenient ways to make a loan payment.
Within Internet Branch online banking, you can quickly and easily transfer money between SDCCU and your other financial institutions using SDCCUdirect. For a loan payment to another account, please use Bill Payer Plus®. To send money to someone using their email address or mobile phone number, use Popmoney®. To make a payment without logging in, use SDCCU Easy Pay.
It's easy to get started!

  1. Log into Internet Branch online banking and select SDCCUdirect
  2. Create your SDCCUdirect profile
  3. Input your external account information
  4. Check your external account for two small trial deposits
  5. Return to SDCCUdirect to confirm the trial deposit amounts

How do I transfer money into a different account?