Credit Union Checking | Types of Checking Accounts | SDFCU

Checking Accounts Page

Checking Accounts

How we set our rates

APR low
3.64%

APR low
2.24%

APR low
9.24%

APR low
4.50%

APY up to
3.39%

APR low
8.74%

¹ Must pay minimum of one bill within two calendar months; otherwise there is a $5.00 monthly f²At CO-OP Network ATMs, the fee for non-SDFCU ATMs is waived

Basic		Advantage
What are the details? FREE Visa Debit Card Unlimited check writing Overdraft Protection Earn Purchase Rewards Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).		What are the details? FREE Visa Debit Card Unlimited check writing Overdraft Protection Earn Purchase Rewards FREE SDFCU checks Earn dividends with this account Receive up to $15.00 ATM/ISA fee reimbursements Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).
What are the rules? No minimum balance required No dividends are earned Overdraft Protection will be activated for authorizations on your VISA 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 Regular Shares and Money Management Share Accounts are limited to six per month, as required by Federal Regulation D		What are the rules? Minimum balance of $2,000 $15.00 in ATM/ISA fees refunded monthly To be eligible, you must maintain a minimum balance of $2,000 for the entire month, there are ten debit card transactions, $200 minimum monthly direct deposit and you are signed up for Online Banking and eStatements. Fees will not be reimbursed unless all criteria are met. Dividends earned $2,000 minimum checking account balance Personal accounts only (No organizational accounts) Dividends calculated daily Minimum of $200 direct deposit monthly into checking account Ten debit card transactions per month Signed up for SDFCU online and eStatements Overdraft Protection will be activated for authorizations on your VISA 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 Regular Shares and Money Management Share Accounts are limited to six per month, as required by Federal Regulation D
Open An Account		Open An Account

Privilege
What are the details? FREE Visa Debit Card Unlimited check writing Overdraft Protection Earn Purchase Rewards FREE SDFCU checks FREE check design of your choice Earn higher dividends Receive up to $25.00 in ATM/ISA fee reimbursements FREE Money Orders FREE Official Checks (Treasurer’s Checks) Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).
What are the rules? Maintain a $25,000 minimum balance $25.00 in ATM/ISA fees refunded monthly To be eligible, you must maintain a minimum balance of $25,000 for the entire month, $200 minimum monthly direct deposit and you are signed up for Online Banking and eStatements. Fees will not be reimbursed unless all criteria are met. Dividends earned $25,000 minimum checking account balance Personal accounts only (No organizational accounts) Dividends calculated daily Minimum of $200 direct deposit monthly (must be direct from ACH) into checking account Signed up for SDFCU online and eStatements Overdraft Protection will be activated for authorizations on your VISA 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 Regular Shares and Money Management Share Accounts are limited to six per month, as required by Federal Regulation D
Open An Account

Youth Checking Account Types

Custodian		Minor
What are the details? Checking Account opened by an adult for the benefit a minor Great option to begin teaching a minor responsible spending habits, while maintaining control over the account Free Visa Debit Card No fees Dividends are paid monthly and earned from the day of deposit to the day of withdrawal Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).		What are the details? Checking Account opened for a member under 18 years of age Minor has control over his/her money FREE Visa Debit Card Unlimited check writing Overdraft Protection Earn Purchase Rewards Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).
What are the rules? A minimum deposit of $1 is required to open (we will pay it for you) Account must be established by an adult (someone over 18 years of age) for the benefit of a minor The custodian doesn’t need to be a member. However, the minor does have to be a member Custodian can turn over access to the account to the minor at the age of 18 or 21 Overdraft Protection will be activated for authorizations on your VISA 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 Regular Shares and Money Management Share Accounts are limited to six per month, as required by Federal Regulation D If you would like to apply for either a minor or custodian account, please visit one of our branch offices or call us at 703.706.5000 or 888.296.8882 within the U.S. and one of our member service representatives will be happy to assist you.		What are the rules? As long as the minor can sign their own name, they can open a Minor Account Opening an account requires the signature of someone over 18 No minimum balance required No dividends are earned Overdraft Protection will be activated for authorizations on your VISA 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 Regular Shares and Money Management Share Accounts are limited to six per month, as required by Federal Regulation D If you would like to apply for either a minor or custodian account, please visit one of our branch offices or call us at 703.706.5000 or 888.296.8882 within the U.S. and one of our member service representatives will be happy to assist you.

Our Visa Prepaid Card

Visa Prepaid Card

What are the details? Secure chip-enabled technology Card is reloadable Safer than carrying cash Provides easy access to cash Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee). Order up to four secondary cards for family members or companions
What are the rules? No income verification or credit check required One-time $10.00 fee to obtain a prepaid card and an additional shipping fee as disclosed when ordering online Reload up to $7,500 an unlimited number of times for the life of the card Maximum of four loads with a combined total of $7,500 per seven day period Card will have your name printed on it Must be a member to set up a prepaid card. However, additional sub-accounts can be held by non-members Prepaid cards must initially be set up using an SDFCU debit or credit card. After, the initial load, ACH and direct deposits can be set up. However, an SDFCU debit or credit card must be used to re-load the card
Order a Visa Prepaid Card

Our VISA Debit Card

Visa Debit Card

What are the details? Secure chip-enabled technology Free Earn Purchase Rewards Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee)
What are the rules? If a new checking account is opened and their currently isn’t a debt card on file a new debit card will be issued Overdraft Protection will be activated for authorizations on your VISA 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 Regular Shares and Money Management Share Accounts are limited to six per month, as required by Federal Regulation D
Open An Account

Why Choose Us?

	Access to Virtual Banking As your financial partner, we want to make sure that your banking experience remains stress-free by offering you a variety of ways to manage your accounts without setting foot in a branch. Online Banking Bill Pay Visa Debit Card e-Statements Direct Deposit Access to nearly 30,000 ATMs through our CO-OP ATM network Monitor your account with Alerts Telephone banking through Account24 Mobile Banking
People when you need them We know that you may have banking needs that require a human touch. We offer a variety of ways to connect with a member of our team. Access to over 5,000+ shared branches through our CO-OP shared branch network 24-hour Member Service Call Center and Rate Line
	Earn rewards Enjoy the benefits of Purchase Rewards when you use your debit card. Purchase Rewards As a debit cardholder, you are automatically enrolled to receive cash back offers through Purchase Rewards. Sign into your account through Online Banking or the SDFCU Mobile App to view and activate your offers. Then shop at participating retailers using your debit card. The cash back rewards you earn will be deposited directly into your checking account.
Little to no fees As a credit union, we don’t want to fee you. But, when we do, you will find our fees lower than any other financial institution in the industry. Limited fee checking Lowest wire fees Low cost ATM fees
	Security where it matters Securing your financial well-being is what we do best. For years we have been providing our members with 24-hour account monitoring to protect against fraud and identity theft. Your accounts are always safe with us. Monitor your accounts with Alerts 24-hour account monitoring by a team of professionals Industry leading online Security Center
Superior services for travelers Banking overseas is more than just putting your card in an ATM or a store kiosk to make a purchase. When you travel, we have you covered. FREE Travelers Checks Affordable Wire services Our Visa Debit Card includes $100,000 Travel Accident Insurance and $300 Delayed Baggage Claim Benefits at no extra charge Debit card Travel Notifications
	We are a credit union As a credit union, we focus on helping members save and borrow and receive affordable financial services. Member-owned Not-for-profit Federally insured by the National Credit Union Administration (NCUA) Higher savings rates Lower loan rates

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sdfcu@sdfcu.org
703.706.5000
800.296.8882

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