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Home Branches & Locations About Us Contact Us Choice Checking

“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 Visa 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:

Free Checking
Standard Checking
Plus Checking
The right choice for you if:
You’re looking for a basic account with no monthly cost and are willing to use eStatements
You’re looking for a basic account, but prefer to receive paper statements monthly.
You typically keep a higher balance and would like to earn interest.
You like convenience and access: direct deposit, home banking, bill payment and eStatements
Minimum Balance
Earns Interest
Unlimited Check Writing
Monthly Statements
Electronic or Paper
Free 1st Box of Standard Checks
Monthly Fee
No monthly fee
$8 if average daily balance is less than $2,500
No monthly fee. $1 per check clearing, teller and/or phone transaction.
Debit Card Fee

VISA® Check Card
SBCU Visa Cards 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 apply for a VISA Check Card.

ATM Card
If you did not get and ATM 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.

It’s EASY to Apply!
To apply for a Visa Check or ATM Card, click on this link, or pick up an application at the branch. It’s that easy.

*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.

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Web Site Design and Content Management by JSS Enterprises, Inc.

APR=Annual Percentage Rate. Sample auto loan of at 48 months, for well qualified borrowers. Sample 0.00% APR credit card balance
transfers for 6 months. Purchases and cash advances are subject to standard rates. All loans subject to borrower and property qualifications. Not all applicants
may be approved. Loan and deposit rates are subject to change without notice. Conditions, restrictions, and terms may apply.

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