Checking Accounts
Our three checking account options offer you flexibility and convenience. Interest-earning options included.
Advantage
($2,000 balance)
- Earn interest1
- Up to $15 reimbursement of ATM/foreign transaction fees1
- No penalty for falling below the balance
Privilege
($25,000 balance)
- Highest interest earning1
- Up to $25 reimbursement of ATM/foreign transaction fees1
- Free money orders
Features & Benefits
Other Benefits
Checking Rates
| Products | APY* |
|---|---|
| Advantage Checking** | 0.45% |
| Privilege Checking*** | 0.50% |
Rates effective January 1, 2021
*Annual Percentage Yield (APY). Dividends calculated daily and credited monthly. Rates subject to change.
**Advantage Checking. $2,000 Minimum checking account balance. Personal accounts only. Dividends calculated daily. Minimum $200 Direct Deposit monthly. Ten posted Debit Card transactions by close of business on last day of the month. Must be signed up for Online Banking and eStatements.
***Privilege Checking. $25,000 Minimum checking account balance. Personal accounts only. Dividends calculated daily. Minimum $200 Direct Deposit monthly. Must be signed up for Online Banking and eStatements.
Compare Checking Accounts
| Products | Basic | Advantage | Privilege |
|---|---|---|---|
| Minimum balance | $0 | $2,000 | $25,000 |
| Bill Pay |
 |
|
|
| Account alerts |
|
|
|
| Mobile deposit |
|
|
|
| Nearly 30,000 free ATMs |
|
|
|
| No monthly service fees |
|
|
|
| Direct deposit |
|
|
|
| Overdraft protection2 |
|
 |
|
| Free checks |
|
|
|
| Earn dividends1 |
|
|
|
| Free debit card with contactless chip |
|
|
|
| Debit card fee reimbursements |
|
|
|
| Free check design of your choice |
|
||
| Free money orders |
|
Disclosures
1 To earn dividends and $25.00 monthly ATM/Foreign Transaction (ISA) Fee Reimbursements for Privilege Accounts and to earn dividends and $15.00 monthly ATM/Foreign Transaction (ISA) Fee Reimbursement for Advantage Accounts: you must maintain a $25,000 and $2,000 minimum checking account balance, respectively, a minimum of $200 direct deposit monthly into the checking account, ten debit card transactions per month and be enrolled in SDFCU online banking and eStatements. Personal accounts only. (No organizational accounts). Dividends calculated daily.
2 Overdraft protection will be activated for authorizations on your debit card. If there are not enough funds in your checking account at the time the transaction is authorized, a hold will be placed on your overdraft accounts to cover the charge. If funds are still not available when the transaction posts, overdraft protection will be activated. Overdraft transfers from Savings and Money Market Savings Accounts are limited to six per month, as required by Federal Regulation D.
For more information call 800-296-8882 or 703-706-5000.