In Southern California, we're used to having it all.

From surfing to skiing, theme parks to state parks, the world is at our fingertips. And, with Rewards Checking from CU SoCal, you can keep on having it all with dividends on account balances, rewards on debit card purchases, and full-service identity theft restoration services.1

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

Cash back and rewards on
debit card purchases
Dream Points earned with qualifying debit card2 and
CU SoCal Platinum Reward credit card purchases are pooled
Fully-managed identity theft recovery services
Low monthly account fee

Make it happen with the checking account that pays and protects.

  • CU SoCal Dream Points earned with qualifying debit card purchases.2
  • PLUS, Dream Points are pooled with those earned using a CU SoCal Platinum Reward credit card for even greater purchasing power!
  • Nationwide branch access.
  • More free ATMs than just about any bank, anywhere.
  • Add your Visa Debit Card to digital wallets for secure, touch-free payments: Apple Pay™, Samsung Pay™, and Google Pay™.
  • Turn debit card on/off with mobile app.
  • Mobile check deposit.
  • Full-service identity theft restoration with a personal privacy advocate.3
  • Convenient online and mobile services.
  • Personal banking over the phone.
  • Automated touch-tone Phone Banking.
  • Overdraft protection.
  • No minimum balance requirements.
  • Contactless payments.


  • 18 years and older.
  • Account verification by ChexSystems.®
  • Account uses personal SSN or ITIN (not an EIN).
  • Membership in good standing.

Rewards Checking Account Rates

Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY5
$0 $.01 0.10% 0.10%
5 APY is Annual Percentage Yield.
To earn the Rewards Checking dividend rate you must have twelve (12) 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.

Gain peace of mind when it comes to identity theft protection.

CU SoCal has partnered with nxg|PROTECT, an industry leader in identity theft remediation and data breach response, to help keep your information safe.

Learn More

California dreamin' every day.

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

Learn More

No Hidden Fees

The following fees may be assessed if applicable.


What if my debit card is lost or stolen?

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

Keep on having it all.

If you live, work, worship or attend school in Los Angeles, Orange, Riverside, or San Bernardino counties you can get the checking account that pays and protects.

Help + Support


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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