A day in southern California can lead almost anywhere.

With a CU SoCal Checking Account1, you can rest assured that you'll be ready for wherever the day takes you. Not only do our checking accounts come with access to more ATMs than the largest banks, they feature great perks like mobile check deposit, bill pay, debit card controls and the ability to get your chip-enabled Visa® debit card instantly at a CU SoCal branch. Select our Rewards Checking Account2 and you'll even earn rewards on debit card purchases and receive identity theft restoration services and an entitlement to robust credit and dark web monitoring.

Why savvy consumers choose CU SoCal Checking Accounts to make it happen:

Low-to-no monthly
account service fees
More free ATMs than
Chase, BofA, and Wells
Nationwide branch access
Federally insured by NCUA

Checking Account Options

Classic Checking

CU SoCal’s Classic Checking Account offers all of the essentials of a standard checking account with no minimum balance requirement and is free with eDocuments.1

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Rewards Checking

CU SoCal’s Rewards Checking Account offers a monthly dividend on average account balances, reward points on debit card purchases, and fully-managed identity theft recovery services. Enjoy the checking account that pays and protects for only $5/month with eDocuments.

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See how they compare side-by-side.

One is very good. The other is even better.

Account Features Classic Checking Rewards Checking

CU SoCal Dream Points with CU SoCal Visa Debit Card Purchases3


Monthly Dividend


Fully-Managed Identity Recovery Service4


No Minimum Balance Requirement

Chip-Enabled Visa Debit Card

Direct Deposit & Mobile Check Deposit

Google Pay, Samsung Pay, and Apple PayTM Ready

Overdraft Protection

CU SoCal Card Controls



Do You Have Trouble Opening a Checking Account?

If you have been turned down for a regular checking account due to a ChexSystems® report, we may be able to help you with Aspire Checking.

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California dreamin' every day.

Earn CU SoCal Dream Points on purchases made with CU SoCal Visa Debit and Credit Cards.

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Overdraft Protection

Anyone can make a mistake and overdraw a checking account. We offer two services to help you avoid the inconvenience of accidental overdrafts. Opt in to either, or both, to help ensure your transactions won't be declined in the event of an overdraft.

Overdraft Protection

We'll transfer funds from your savings, money market, or line of credit when you don't have money available in your checking account to cover a check, debit, or ACH (electronic) transaction.

CU SoCal Courtesy Pay

For qualified Members, for a small fee we'll cover checks, electronic payments, debit card purchases, and transfers that won't clear due to Non-Sufficient Funds (NSF), helping you avoid the hassle and expense of declined transactions. Fill out the CU SoCal Courtesy Pay Authorization form to sign up for CU SoCal Courtesy Pay. Once complete, bring the form to any CU SoCal branch.

What if my debit card is lost or stolen?

If your debit card is lost or stolen, call us immediately at 888.698.7241.

Get More Information About Debit Card Fraud Alerts

Looking for an ATM?

Access more free ATMs than Chase, B of A, and Wells.

Find ATMs

Hear from others like you who made it happen.

My wife and I have a checking and a savings account, and we've liked your service. That's why I decided to stay with the same credit union.

Mario, La Habra

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Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.


562.698.8326 | 866 CU SoCal Se Habla Español