Basic Checking Account

Our Basic Checking Account is a truly free checking account with no minimum balance requirement, no monthly fees, and easy access to your money.


Discover so much more with our Basic Checking Account:

  • Free Visa debit card with contactless chip
  • Overdraft protection1  
  • Nearly 30,000 free ATMs 
  • Deposit checks through the SDFCU Mobile App

Open an Account

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No Minimum Balance
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No Monthly Fees
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24-Hour Account Access


1Overdraft 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