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“Choice” has always been a privilege of freedom, and in our effort to give you the freedom of choice, South Bay Credit Union has developed “Choice Checking”. With Choice Checking, you can choose the account that best meets your needs. All of our Choice Checking accounts feature:
Become a Member Joint Membership
| Free Mastercard Check Cards | Courtesy Pay* |
| Free Home Banking Access | Free Payroll Deduction/Direct Deposit |
| Optional Overdraft Protection* | Access to over 28,000 Surcharge-Free ATMs Nationwide |
| Free Premium Bill Payment Services | 2 Debit card designs to choose from |
Whether you are a strong user of electronic services, or desire to earn interest on your funds, SBCU has the right account for you:
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Free Checking
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Standard Checking
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Plus Checking
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The right choice for you if:
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You’re looking for a basic account with no monthly cost and are willing to use eStatements.
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You’re looking for a basic account, but prefer to receive paper statements monthly.
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You typically keep a higher balance and would like to earn interest.
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Minimum Balance
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$0
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$0
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$2,500
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Earns Interest
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No
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No
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Yes
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Unlimited Check Writing
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Yes
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Yes
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Yes
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Monthly Statements
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Electronic
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Paper
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Electronic or Paper
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Free 1st Box of Standard Checks
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No
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No
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Yes
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Monthly Fee
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No monthly fee
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$1.95
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$8 if average daily balance is less than $2,500
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Debit Card Fee
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No
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No
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No
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Mastercard® Check Card
SBCU Mastercards are accepted worldwide. Enjoy access to hotel accommodations, transportation, entertainment and cash when you need it … at affordable rates and terms that are customized specifically for our Credit Union member-owners. Call or stop by one of the branches and speak to a Member Service Representative to request a Mastercard Check Card.
ATM/Debit Card
If you did not get an ATM/Debit card when you opened your checking account, need a replacement card, or a card for your spouse, call or stop by one of the branches and speak to a Member Services Representative.
*These services require account holders to meet certain qualifications including but not limited to credit verification, age of the account, use of direct deposit, and account standing.
Check Orders
You can order custom checks or choose your own personalized checks with your South Bay CU checking account through our partnership with Main Street. Submit your order here.
Open a Checking
Are you ready to open a checking account and enjoy the benefits? It’s as easy as logging into your home banking account and choosing the new account tab. A few clicks of your mouse is all it takes.
Not a member yet?