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, an entitlement to robust credit monitoring, and full-service identity theft restoration services.1


[Narrator] We, Southern Californians, are used to having it all. From surfing, to skiing, theme parks, to state parks. So why wouldn't that have my cake and eat it to expectation extend to your bank? Now, it can. You can have convenience, real value, and security against identity theft. Announcing the new Rewards Debit Card from Credit Union of Southern California. With more free ATMs nationwide than the largest banks, the CU SoCal Rewards Debit Card is perfect for on-the-go Californians. And, unlike many financial institutions, CU SoCal actually rewards you for making purchases with your debit card. That's right, points aren't just for credit cards anymore. Earn CU SoCal Dream Points you can exchange for cash, travel, gift cards, events, and merchandise from nationwide retailers. And, having convenience and rewards shouldn't have to compromise security. If you ever notice unusual activity on your debit card, our mobile app allows you to remotely pause it until you can take a closer look. Plus, the CU SoCal Rewards Debit Card comes with a powerful identity monitoring and fully-managed recovery package. And the fully-managed recovery isn't just for you, but for qualified members of your household family, too. At CU SoCal, we love serving such a vibrant community and helping our Members make their California dreams come through. So enjoy the debit card that pays and protects, and keep on having it all. For more information, visit

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

Cash back and rewards on
debit card purchases
Fully-managed identity theft recovery services
Entitlement to credit monitoring
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.
  • Apple Pay™ ready Visa® debit card.
  • Turn debit card on/off with mobile app.
  • Mobile check deposit.
  • Entitlement for credit monitoring by three major credit bureaus.
  • Full-service identity theft restoration with a personal privacy advocate.3
  • Up to $25,000 identity theft expense reimbursement.3,4
  • Convenient online and mobile services.
  • Personal banking over the phone.
  • Automated touch-tone Phone Banking.
  • Overdraft protection.
  • No minimum balance requirements.


  • 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 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.

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.

Icon of surveillance camera

Entitlement to 24/7/365
Credit & Dark Web Monitoring

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Identity Theft Restoration

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Protection For The Whole Family3

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.


View Complete Fee Schedule

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.

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