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  San Diego County Credit Union High Yield Checking

San Diego County Credit Union High Yield Checking

in Checking Accounts from San Diego County Credit Union · ncua

Unaffiliated

San Diego County Credit Union 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.

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1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Monthly Fee $0 - $15
ATM Fee: Out-of-Network $2
Minimum Balance to Avoid Monthly Fee $25,000
APY (Annual Percentage Yield) 0.03% - 0.05%

San Diego County Credit Union High Yield Checking Review

San Diego County Credit Union 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 Credit Union High Yield Checking is available in 1 state across the USA.

Key Takeaways
  • Higher than average APY. San Diego County Credit Union High Yield Checking has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $100.
  • 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.
  • Not FDIC-insured.
  • 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 0.03% and ranging up to 0.05% (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) 0.03% - 0.05%

What are the account minimums for SDCCU checking account?

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

SDCCU checking account Account Minimums
Description Amount
Minimum Opening Deposit $5000
APY Minimum Balance $100
Minimum Balance to Avoid Monthly Service Fee $25,000

What fees does SDCCU checking account charge?

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

San Diego County Credit Union High Yield Checking Fees
Description
ATM Fee: In-Network $0
Check Cashing Fee $3
Debit Card Replacement Fee $5
Early Account Closure $5
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $15
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $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
ATM Fee: Out-of-Network $2

Does SDCCU checking account charge overdraft fees?

Yes, SDCCU checking account charges a $30 fee for every overdraft.

SDCCU checking account offers 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.

How do people rate the customer service and user experience of SDCCU checking account?

Overall, SDCCU checking account is strongly not recommended based on community reviews that rate customer service and user experience.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Other Services by San Diego County Credit Union

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

APY Minimum Balance $100
Minimum Opening Deposit Starting at $5,000
Minimum Balance to Avoid Monthly Fee $25,000
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Check Cashing Fee $3
Debit Card Replacement Fee $5
Early Account Closure $5
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $15
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $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
ATM Fee: Out-of-Network $2
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
APY (Annual Percentage Yield) 0.03% - 0.05%

San Diego County Credit Union 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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