At CU SoCal, we believe the best things in life are free.

That's why all of our checking accounts come free with eStatements. Whether you're looking to escape fees, gain access to more free ATMs, or earn dividends, one of our three checking account options will fit your southern California lifestyle.

Why savvy consumers choose our checking accounts to make it happen.

Free with eStatements
More free ATMs than any bank
Online and mobile services
Federally insured

Whatever your lifestyle needs, make it happen with:

  • Nationwide branch access.
  • More free ATMs than just about any bank, anywhere.
  • No monthly service fees with eStatements.
  • A free Visa® debit card that's Apple Pay™ ready.
  • Convenient online and mobile services.
  • Personal banking over the phone.
  • Automated touch-tone Phone Banking.
  • Overdraft protection.
  • Direct deposit.
  • Federal insurance on your account balance to at least $250,000 by NCUA. (see disclosures)

Checking Account Options

E-Z Earn Checking1, 2, 3
  • Minimum initial deposit of $100
  • Earn a dividend up to 0.35% APY2 with 10 check card transactions per statement period
  • No minimum or maximum balance requirements to earn dividends3

Get Started

Value Checking1
  • No minimum initial deposit
  • No minimum balance requirement

Get Started

Value+ Checking1, 2, 4
  • Minimum initial deposit of $5,000
  • Minimum balance requirement of $5,000
  • Earn competitive, tiered dividends up to 0.25% APY
  • No ATM fees at any ATM5

Get Started

E-Z Earn Checking Account Rates

Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
$100 $.01 0.35% 0.35%
1 APY is Annual Percentage Yield.
To earn the E-Z Earn Checking dividend rate you must have ten (10) signature-based and/or PIN based debit card purchases each monthly statement cycle. If the requirement is not met, you will earn .05% APY on your checking account balance.
The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.

Value+ Checking Account Rates

Account Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
$5,000 – $14,999 $5,000 $5,000 0.05% 0.05%
$15,000 – $24,999 $15,000 $15,000 0.10% 0.10%
$25,000 – $49,999 $25,000 $25,000 0.15% 0.15%
$50,000 and up $50,000 $50,000 0.25% 0.25%
1 APY is Annual Percentage Yield
The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.

Value Checking Account Rates

Rate Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
$0.00 and up N/A N/A N/A N/A
1 APY is Annual Percentage Yield

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 or debit transaction.

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.

Learn More

No ATM fees.

Never hunt for a free ATM again. Use any ATM in any country for free when you have $15,000 in combined savings and loan balances at CU SoCal.

Learn More

Hear from others like you who made it happen.

CU SoCal's mobile app is really easy to use. It's nice to know we can quickly deposit checks, pay bills, and transfer money anytime.

Carol and Michael, Members since 1989

More Stories

Make the switch

1

Open

Open your CU SoCal account online or at a CU SoCal branch.
Apply Online

2

Update

Update your automatic payments, deposits, and transfers.
Update Automatic Transactions

3

Transfer

Transfer any remaining funds from your old account and close the account.
Transfer Funds

Help + Support

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, 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

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