Debit Card
Debit Card
Advantage Checking Account
Advantage Checking from SDFCU is a great day-to-day checking account that earns interest, has fee reimbursements and easy account access. Plus, get benefits when you maintain a balance of $2,000.1
Features
You get so much more with an Advantage Checking Account:
- Earn interest1
- No monthly fees
- 24/7 account access
- Free VISA debit card with contactless chip
- Up to $15.00 ATM/ISA fee reimbursements1
- Access to nearly 30,000 free ATMs
- Overdraft protection2
- Early direct deposit (up to 1 day early)3
- No fee for falling below the $2,000 balance
Account Access from Anywhere
Manage your accounts, make payments, view offers, set-up alerts and much more.
Convenient account access from anywhere. Deposit a check, find a free ATM, transfer money and more.
Virtual Banking Solutions
We offer you Virtual appointments, bringing the branch to you and Interactive Teller machines at selected locations.
Checking Rates
| Products | APY* |
|---|---|
| Advantage Checking** | 0.75% |
| Privilege Checking*** | 0.80% |
Rates effective February 1, 2024
*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.
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Advantage Checking FAQs
Find answers to commonly asked questions about SDFCU Advantage Checking.
- How do I join SDFCU and open a Checking Account?
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You can join SDFCU and open a Checking Account through the online application or at a branch location. Becoming a member will give you all the access to lifetime credit union benefits including low loan rates, card rewards, and 24/7 mobile banking features, along with your Checking Account.
- Is there a minimum balance requirement with Advantage Checking?
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There is no minimum balance to open an Advantage Checking Account, but you are required to have a $2,000 minimum Checking Account balance in order to earn dividends and a $15.00 monthly ATM/ISA Fee Reimbursement. There is no fee for falling below the required balance.
- Can I upgrade my SDFCU Checking Account?
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Yes, you can convert your existing Checking Account to an Advantage or Privilege Checking Account by logging in to Online Banking or by emailing your request to sdfcu@sdfcu.org.
- Does SDFCU provide debit cards with a new Checking Account?
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Yes, we provide a free Visa debit card when you open a Checking Account. Your debit card gives you access to over 29,000 free ATMs, purchase reward retail discounts, and easy access to your funds.
- Do SDFCU checking accounts include no-fee ATM access?
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We offer surcharge free ATM transactions and access to over 29,000 free ATMs and over 5,000 shared branches across the US and internationally via the CO-OP Network.
- Does SDFCU offer online and mobile banking access?
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Yes. You can access and manage your accounts from anywhere, anytime. Our digital banking services include online banking, a highly rated mobile banking app, text banking, and phone banking.
- How many SDFCU branch locations are there in the Washington Metropolitan Area?
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There are five SDFCU branches in the DC metro area located in Alexandria, Clarendon, Ft. McNair, Rosslyn, and inside Main State Department. We also have a branch located at FLETC in Charleston, SC. Branch locations are open Monday through Friday. 8:30 a.m. - 4:00 p.m. In addition, you can conduct your banking in person at over 5,000 Shared Branch locations. Use our Locator Search to find those locations.
Disclosures
1To earn dividends and $15.00 monthly ATM/ISA Fee Reimbursement: you must maintain a $2,000 minimum checking account balance, make a minimum of $200 direct deposit monthly into your checking account, make ten debit card transactions per month, and be enrolled in SDFCU online banking and eStatements. Personal accounts only (no organizational accounts). Dividends calculated daily.
2Overdraft 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. For more information call 800-296-8882 or 703-706-5000.
3SDFCU credits your eligible direct deposit up to one business day early. These transactions are credited based on when the payer submits the information to SDFCU and when these transactions are credited could vary. Eligible transactions are certain ACH (electronic transfers) credit transactions such as payroll, government benefits or similar transactions.