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  San Diego County CU High Yield Checking
San Diego County CU High Yield Checking
in Checking Accounts from San Diego County Credit Union · Insured by NCUA
Unaffiliated

San Diego County CU High Yield Checking

Unaffiliated
in Checking Accounts from San Diego County Credit Union · Insured by NCUA
Net Recommendation Score -100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

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Highlights
Community Rating

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Cashback Rewards N/A
APY (Annual Percentage Yield) 0.05% - 0.07%
(Verified 08/08/2022)
Monthly Fee $0 - $15
Minimum Balance to Avoid Monthly Fee Starting at $25,000

San Diego County CU High Yield Checking Review

San Diego County CU High Yield Checking is offered by San Diego County Credit Union, a credit union founded in 1995 and based in San Diego, CA. San Diego County CU High Yield Checking are available in 1 state across the USA.

Key Takeaways

  • Bonus offer. Open a new account and you can get
  • Low APY. The maximum annual percentage yield for this account is only 0.07%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $15, but the fee is waived if you keep a minimum balance of $25,000.
  • Large minimum initial deposit. You need a minimum deposit of $5,000 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
  • Bill pay. Pay your bills to practically anyone in the United States through San Diego County Credit Union.

SDCCU checking account Pros & Cons

Pros Cons
  • Dividend-yielding account.
  • Insured by NCUA.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.

SDCCU checking account FAQ

Are checking accounts from San Diego County Credit Union federally insured?

Yes, your San Diego County Credit Union checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does SDCCU checking account offer?

SDCCU checking account offers an APY starting at 0.05% and ranging up to 0.07% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $100.

SDCCU checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 0.07%

What are the account minimums for SDCCU checking account?

SDCCU checking account requires a minimum initial deposit of $5,000 to open an account.

San Diego County CU High Yield Checking Minimums
Description
Minimum Opening Deposit Starting at $5,000
Minimum Balance to Avoid Monthly Fee Starting at $25,000
Minimum Balance to Earn APY $100

What fees does SDCCU checking account charge?

This account charges a monthly service fee of up to $15.

San Diego County CU High Yield Checking Fees
Description
Monthly Fee $0 - $15
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
Returned Deposit Fee (Domestic) $20
Returned Deposit Fee (International) $20
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $5
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $5
Wire Transfer Fee - International (Outgoing) $45
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Cashing Fee $3
Debit Card Replacement Fee $5
Early Account Closure $5

Does SDCCU checking account charge overdraft fees?

Yes, SDCCU checking account charges a $30 fee for every overdraft. You can get overdraft protection at a cost of $5 per transaction.

What features and perks does SDCCU checking account offer?

This account includes the following features:

  • Fraud monitoring - SDCCU checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - SDCCU checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for SDCCU checking account?

The customer support email for SDCCU checking account is info@sdccu.com.

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Message From SDCCU checking account

All the checking options you're looking for, and more! San Diego County Credit Union has a variety of checking accounts to fit every member’s unique needs. And, whether you select our Free Checking with eStatements account, high-yield checking account, or any other option, you have the freedom to manage your funds from anywhere, with ease.

High-yield checking, Get higher returns on your balance with our high-yield checking account, which earns competitive dividends based on the average daily balance. Opening an account with SDCCU gives you access to the banking perks you love such as free checking with eStatements, mobile banking and so much more. Open an account online with not just any credit union, but with San Diego’s BEST Credit Union!  We have all the big bank products you want without the "big bankers."

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Minimum Opening Deposit Starting at $5,000
Minimum Balance to Avoid Monthly Fee Starting at $25,000
Minimum Balance to Earn APY $100
Monthly Fee $0 - $15
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
Returned Deposit Fee (Domestic) $20
Returned Deposit Fee (International) $20
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $5
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $5
Wire Transfer Fee - International (Outgoing) $45
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Cashing Fee $3
Debit Card Replacement Fee $5
Early Account Closure $5
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
  • Check Writing
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.05% - 0.07%
(Verified 08/08/2022)

San Diego County CU High Yield Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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