Checking Accounts

Our three checking account options offer you flexibility and convenience. Interest-earning options included.

 
 
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Basic

  • No minimum balance 
  • Free debit card
  • No monthly fees

Open an Account

View account details

 

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Advantage

($2,000 balance)

  • Earn interest1
  • Up to $15 reimbursement of ATM/foreign transaction fees1
  • No penalty for falling below the balance

Open an Account

View account details

 

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Privilege

($25,000 balance)

  • Highest interest earning1
  • Up to $25 reimbursement of ATM/foreign transaction fees1
  • Free money orders

Open an Account

View account details

 

Features & Benefits

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Avoid fees

No monthly maintenance fees.  

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Alerts

Get notifications for large withdrawals, low balances, bill payments and more. 

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Large ATM Network

Access nearly 30,000 free ATMs. 

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Mobile Deposit

Deposit checks through our mobile app.  

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Digital Wallet

Use your debit card in easy, secure payments. 

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Credit Union Benefits

Access to low loan rates and special services with your membership. 

Other Benefits

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Debit Card

An SDFCU debit card makes managing and accessing your money easy.
Learn more about your debit card
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24-Hour Account Access

Easily manage your account from anywhere through the SDFCU Mobile App, in Online Banking, or by phone.
Learn more about 24-hour banking

Checking Rates

Products APY*
Advantage Checking** 0.45%
Privilege Checking*** 0.50%

 

Rates effective July 1, 2020

*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
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Account alerts
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Mobile deposit
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Nearly 30,000 free ATMs
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No monthly service fees
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Direct deposit
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Overdraft protection2
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Free checks  
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Earn dividends1  
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Debit card fee reimbursements  
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Free check design of your choice    
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Free money orders    
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Disclosures

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.

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