Privilege Checking Account

SDFCU's highest interest-earning checking account option lets you enjoy frequent access to your funds, the convenience of a VISA debit card, all while earning high-yield dividends. Maintain a balance of $25,000 to experience the benefits.1

Features

Get Privilege Checking and get more:

  • Highest interest-earning checking account option
  • Receive up to $25.00 in ATM/ISA fee reimbursements2
  • Free Visa debit card
  • Access to nearly 30,000 free ATMs
  • Free standard checks with custom check design
  • Free money orders
  • Free official checks (treasurer’s checks)
  • Overdraft protection3
  • Check deposit through the SDFCU Mobile App
  • Cashback debit card rewards at popular retailers

Open an Account 

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Benefits

foreign transaction fee
Earn Interest
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No Monthly Fees
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24- Hour Account Access

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.

Disclosures

1You can open the account with any balance, but you need to maintain a balance of $25,000 to receive all the benefits. 

2To earn dividends and $25.00 monthly ATM/ISA Fee Reimbursements: you must maintain a $25,000 minimum checking account balance, minimum of $200 monthly direct deposit into your checking account, and be enrolled in eStatements. Personal accounts only (no organizational accounts). Dividends calculated daily.

3Overdraft 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.