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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:
| 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 |
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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E-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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You like convenience and access: direct deposit, home banking, bill payment and eStatements.
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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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$0
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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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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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No
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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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Electronic
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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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No
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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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No monthly fee. $1 per check clearing, teller and/or phone transaction.
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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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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 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 account, use of direct deposit, and account standing.
Application Form
Are you ready to open a checking account and enjoy the benefits of being a credit union member? We just need you to take 2 minutes to complete this quick application and we can take it from there.