Types of Checking Accounts at SDFCU
Our three checking account options offer you flexibility and convenience. Interest-earning options included.
Basic
- No minimum balance
- Free debit card
- No monthly fees
- 24/7 account access
Advantage
($2,000 balance)
- Earn interest1
- Up to $15 reimbursement of ATM/foreign transaction fees1
- No penalty for falling below the balance
- 24/7 account access
Privilege
($25,000 balance)
- Highest interest earning1
- Up to $25 reimbursement of ATM/foreign transaction fees1
- Free money orders
- 24/7 account access
Features & Benefits
More Convenient Benefits
Each of our checking account options offers you the freedom to manage your money anywhere, anytime. Our range of services combine 24/7 account access with personal banking features and tools to help meet your financial needs.
- Online Banking - Manage your accounts, make payments, set-up alerts, view deals, offers, and rewards.
- Mobile App - Deposit a check, find a free ATM, use Zelle, or pay a bill.
- Text Banking - Check account balances quickly or look up recent account history.
- Debit Card – Enjoy the perks of a VISA card, and make digital payments with your checking account debit card.
- Branches/Free ATMs – Access one of nearly 30,000 free ATMs closest to you or find a branch location.
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.
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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| Early direct deposit3 |
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| Overdraft protection2 |
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| Free checks |
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| Earn dividends1 |
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| Free debit card with contactless chip |
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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
1 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.
2 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. 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.