Free Checking

Free Checking!

CU SoCal’s Checking Accounts are still FREE. There is no minimum balance requirement or monthly service fees. Just free checking the way it should be. Plus, CU SoCal’s Free Checking offers nearly 30,000 Free ATMs nationwide. That’s 10,000 more FREE ATMs than the largest bank!

Open your FREE CU SoCal Checking Account today!


Your Free Checking Account Package Includes:

Please refer to the Fees and Charges Schedule for all applicable fees and charges.


Fox News—9/28/12
Shopper’s Market:Is This The End of Free Checking?

Anger Over Checking Fees Leaves Banks Vulnerable.

CBS Money Watch—1/18/11
Four Ways To Beat The New High Bank Fees.

Chicago Tribune—1/21/11
Ferreting Out Free Checking. If You’re Facing Monthly Fees, You Have Plenty Of Alternatives.—3/1/11
2011 Credit Union Checking Study. Credit Unions: Free-Checking Champions.

The Credit Union Advantage.—3/28/11
There’s A Credit Union For Everyone!

CBS News: Money Watch—3/21/11
How To Avoid Rising Bank Fees.

Today Show—11/20/10
Credit Unions Picking Up Steam.

The Wall Street Journal—12/4/10
Why Checking Fees Keep Going Up.

An Extra Level Of Protection For Your Accounts.

Overdraft protection acts as a safety net on those occasions when you have insufficient or unavailable funds to pay for a transaction. Instead of an item or transaction being returned or declined, it may be paid using one of CU SoCal’s overdraft protection services.

CU SoCal offers two types of services to protect you from experiencing an overdraft when you have insufficient or unavailable funds. Both options, standard overdraft protection and CU SoCal Courtesy Pay, are based on what’s in your best interest and are your choice. We’ll ask you how you want overdrafts handled and you’ll need to opt in to receive these extra levels of protection.

Regulation D limits the number of transactions on non-transaction accounts each month. Member must qualify for line of credit.


Make Convenient, Secure Purchases.

For Members who wish to access their funds in a CU SoCal Checking or Savings Account, we offer either a FREE ATM or Visa® Debit card. No matter the time of day or night, quick cash and other transactions are as close as the nearest ATM. You may also use your CU SoCal Debit Card for secure and convenient shopping.

CU SoCal ATM Card
  • Available FREE with any CU SoCal Checking or Savings Account
  • 24/7 access to checking or savings through point-of-sale transactions
  • Cash back at most merchants and through ATMs displaying STAR, Cirrus or CO-OP logo
CU SoCal Visa® Debit Card
  • Available free with any CU SoCal Checking Account
  • Access your funds 24/7 and make purchases at millions of locations worldwide that accept Visa® Debit Cards
  • Easily get cash back at most merchants and through ATMs displaying CU SoCal, STAR, Cirrus, or CO-OP logos
  • Purchases are automatically deducted from your checking account
  • Make secure online purchases
  • Choose ‘credit’ option to protect your Personal Identification Number (PIN) and gain the additional protection of Visa®

Switch To CU SoCal And Save!

Thanks for choosing CU SoCal! We enthusiastically look forward to serving your financial needs and want to make your transition smooth and easy. You can make the switch in 3 easy steps:

1. Open a CU SoCal Savings Account.

It’s really easy to open your CU SoCal account. Start here!. Once your Membership has been established, you are eligible to open (or apply for) additional services such as a CU SoCal Checking Account.

2. Transition your automatic transactions.

Use the Authorization for Automatic Deposit form to set up deposits of paychecks, retirement, and pension checks, or Social Security checks directly to your CU SoCal account. Don’t forget to notify anyone who makes automatic withdrawals from your account, such as mortgage companies, insurance providers, utility, phone, or cable companies.

3. Close your other account(s).

When your automatic transactions have been switched to your new account and all outstanding checks have cleared your old account, ask your previous financial institution to send you the balance from that account. Don’t forget to destroy your old checks, ATM/Debit cards, and deposit slips.

We’re here to help.

If you have any questions during the process of opening your CU SoCal account or switching your checking or savings accounts, call us toll-free at 866 CU SoCal (866.287.6225), or send us an email.

To find the account numbers for your old account,
look at the bottom of your checks for a series of numbers.

Bank routing numbers are the first nine digits of the series,
beginning with a number between 01 and 12 or 21 and 32.

CU SoCal’s Routing Number is: 322283796

Privacy | Security | Careers | How We Give Back | Routing Number: 322283796

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