Debit Card
Debit Card
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
- No monthly fees
- 24/7 account access
- Receive up to $25.00 in ATM/ISA fee reimbursements2
- Free Visa debit card with contactless chip
- Access to nearly 30,000 free ATMs
- Free money orders
- Free official checks (treasurer’s checks)
- Overdraft protection3
- Early direct deposit (up to 1 day early)4
Ways to Bank with Us
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.
Text Banking is an easy way to manage account balances or look up recent account history.
Use our automated phone service to perform transactions, get account balances and more.
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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Privilege Checking FAQs
Find answers to commonly asked questions about SDFCU Privilege 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 Privilege Checking?
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There is no minimum balance to open an Privilege Checking Account, but you are required to have a $25,000 minimum Checking Account balance in order to earn dividends and a $25.00 monthly ATM/ISA Fee Reimbursement. There is no fee for falling below the required balance.
- 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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SDFCU has ATM or VTMs located at all 6 of their branch locations. In addition, members get access to over 29,000 free ATMs, covering all 50 states and 10 countries via the CO-OP Network. There are CO-OP ATMs at many popular retail stores.
Text a street address or ZIP Code to 91989 to find nearby free ATM and Shared Branch Locations or use our Online Locator search. - 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
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. For more information call 800-296-8882 or 703-706-5000.
4SDFCU 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.