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

That's why CU SoCal's Classic Checking Account is free with eDocuments.1

Why savvy consumers in Southern California choose CU SoCal Classic Checking.

Free with eDocuments
No minimum balance requirement
More Free ATMs than
Chase, B of A, and Wells.
Federally insured by NCUA

Whatever your lifestyle needs, make it happen with:

  • No minimum opening balance requirement.
  • No minimum balance requirement.
  • Nationwide branch access.
  • More free ATMs than just about any bank, anywhere.
  • Free EMV Visa® debit card.
  • Add your Visa Debit Card to digital wallets for secure, touch-free payments: Apple Pay™, Samsung Pay™, and Google Pay™.
  • Free online and mobile services including mobile check deposit, mobile bill pay, and mobile debit card controls.
  • 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)
  • Contactless payments.

California dreamin' every day.

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

Learn More

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. Give us a call toll-free at 800.249.2328 or fill out the Courtesy Pay Authorization form to sign up for 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.

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.

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 it happen.

If you live, work, worship, or attend school in Los Angeles, Orange, Riverside, or San Bernardino counties, you can make it happen with a CU SoCal Classic Checking Account.

Open a Checking Account

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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