Checking Accounts

Are you looking to open a Checking Account in San Diego? Mission Fed offers a free Checking Account with eStatements as well as a variety of other Checking Accounts, which include online Checking Account access to help you manage your daily transactions conveniently. Your success is our bottom line, and that includes helping you apply for the Mission Fed Checking Account that’s right for you.

Which Checking  Account is right for me?

Mission Fed offers several different Checking Accounts, like Easy Checking, a free Checking Account with eStatements, so you can choose the option that works best for you. Before applying to open a bank account, look at the selections below and see which Checking Account would work best for your needs.

Options Easy Checking Smart Checking Teen Checking (ages 13-17)
  Free Checking Account with eStatements
Earn dividends by maintaining higher balances
A starter Checking Account for ages 13-17
Initial Deposit $25 $100 $25
Earns Dividends No Yes Tiered based on your balance No
Monthly Fee No monthly fee
when enrolled in eStatements
otherwise $2
No monthly fee if account has a monthly direct deposit of $500+ or average daily balance of $1,500+
otherwise $7
No monthly fee
Debit Card Platinum Debit Card with NO monthly usage fee
Photo of Mission Fed Checking Account Debit Card.
ATM Access 30,000 fee-free ATMs throughout the U.S. and Canada via the CO-OP Network
Online Banking 24/7 access via Online Banking
Mobile Banking with Mobile Deposit Free Mission Fed Mobile Banking apps
Mobile Payments Mission Fed cards work with: Apple Pay, Samsung Pay, Google Pay
eDocuments Yes, optional
Online Bill Pay Yes, via Online Banking No
Customer Service Available by phone/email Monday-Friday: 7:00 a.m. to 7:00 p.m.
Saturday: 8:00 a.m. to 4:00 p.m.
WebChat Monday-Friday: 7:00 a.m. to 7:00 p.m.
Saturday: 8:00 a.m. to 4:00 p.m
Phone Banking Free, 24/7 access to automated phone service
Check Writing Free, unlimited
More Info   Ages 16 & 17 with valid government-issued ID do not require parent/legal guardian signer; becomes Easy Checking at age 18
Refer to Fee Schedule for full details on account fees and charges.

Learn how Mission  Fed’s Easy Checking Accounts work

Open a credit union account at Mission Fed

All of our Checking Accounts offer a Platinum Debit Card with no monthly usage fee, access to 30,000 fee-free CO-OP ATMs including at many 7-Eleven Stores, 24/7 access via Online Banking and Mobile Banking, Mobile Deposit and Online Bill Pay with our free Mission Fed Mobile Banking apps, access to customer service via phone, secure messaging and Webchat, and free, unlimited check writing. Check out the benefits of our credit union Checking Accounts:

  • Easy Checking
    Easy Checking is a free Checking Account, with eStatements, in San Diego. This is an easy Checking Account to open, requiring just a $25 initial opening deposit. When you enroll in eStatements, there is no monthly fee. If you’re looking for San Diego free checking, our Easy Checking Account is the one for you.
  • Smart Checking
    Smart Checking is ideal for earning dividends on the money in your account. This Checking Account allows you to earn dividends by maintaining a higher balance. This is also an easy Checking Account to open—just make an initial deposit of $100 and maintain a monthly direct deposit of $500 or more; OR maintain an average daily balance of $1,500 or more to avoid a monthly fee.
  • Teen Checking
    Our Teen Checking Account is ideal for members between the ages of 13 and 17 who are ready to learn to manage their money. Mission Fed is proud to offer free Checking Accounts to San Diego teens with our easy-to-get Teen Checking Accounts. All you need is a government issued ID for 16 and 17 year olds, or members under 16 can bring a parent/legal guardian to sign for them. Then, make an initial opening deposit of $25, and you’re ready to start managing your first account.

How to open a Checking Account

We make applying to open a Checking Account easy at Mission Fed. You can apply to open a Checking Account online, over the phone or in person at the branch of your choice! No matter how you apply, we’re happy to help walk you through the process.

To apply for a new Checking Account, you’ll need to provide proof that you live or work in San Diego County, a valid government ID, and your Social Security Number.

Choose from these easy options for opening your Checking Account:

Once you’ve been approved, you’ll need to make a small opening deposit of $25 or $100, depending on the Account, and you can begin using your new Mission Fed Checking Account right away!

After finally getting fed up with the impersonal treatment from the mega-banks, I switched to Mission Federal. It was like coming home. They align with my values. I feel good doing business with Mission Fed. I’m a member for life.-DJ K.

How does a Checking Account work?

A Checking Account is used for money you intend to spend relatively quickly or frequently, as opposed to a savings account that is used to save money for larger purchases or emergencies. Most people use Checking Accounts for paying their regular bills and making everyday purchases like groceries, gas or other necessities. Checking Accounts require an initial deposit and then allow you to deposit and withdraw money—via debit, ATM or check—at will. If you receive a paycheck via direct deposit, you’re likely to have that money deposited into a Checking Account.

With a Checking Account from Mission Fed, you’ll enjoy an array of benefits and services. Our Checking Accounts can be accessed online, and you’ll receive a Mission Fed Platinum Debit Card with no monthly usage fee, which offers you convenience and security. You’ll also have access to 30,000 fee-free CO-OP ATMs throughout the United States and Canada, offering you easy access to your account when you’re at home in San Diego and when you travel. In addition, you’ll have round-the-clock access to your account seven days a week with our Online Banking, plus free Mission Fed Mobile Banking apps with Mobile Deposit available for the iPhone®, iPad® and iPod® touch, and Android phones.

If you’re looking to go paper-free or have quick, online access to important documents, Mission Fed’s Checking Accounts with online access also provide you with the option of convenient eDocuments, including account statements, time-sensitive notices and more. Sign up for eStatements to receive a free Checking Account in San Diego. Should you have any questions regarding your Checking Account or any other service, we offer helpful customer service and support by phone, email or Webchat Mondays through Fridays 7:00 AM to 7:00 PM, and Saturdays 9:00 AM to 1:00 PM.

Open a Mission Fed Checking Account today! Apply to open a Checking Account online, visit one of our convenient branches, or contact us with any questions you have.

Services

Mobile and Online Banking

Use the Mission Fed Mobile Banking apps or Online Banking to manage your finances at your convenience.

Direct Deposits and Electronic Debits

With a Mission Fed Checking Account, Direct Deposit and electronic debits are easy to set up. Request the necessary form from the organization or employer making the Direct Deposit, or company or employer making the electronic deposit or debit. Be sure to indicate Mission Fed’s ABA routing number (#322281507) and your account number on the form.

Courtesy Pay Services

Learn more about courtesy pay services.

Tools You Can Use

If you prefer pen and paper balancing, you can use our Checkbook Balancing Form (PDF) to help you keep your finances in line.

 

Why choose Mission Federal Credit Union for a San Diego Checking Account?

Mission Fed is a San Diego Credit Union with strong ties to our community since we first began in 1961. We have are committed to giving back to our members and our community, and that commitment continues each and every day. If you’re looking to open a bank account in San Diego, Mission Fed offers free Checking Accounts with eStatements that give back to the local community and to you. Mention Mission for Nonprofits or Mission for Our Schools when you open a Checking Account with us, and we’ll give $25 to the local school or approved nonprofit of your choice and reward you with $25 for participating in the program. That’s just one way we support our community and say thank you to our members who open a bank account with us.

If you’re interested in a free Checking Account with eStatements in San Diego, consider Mission Fed. As an established San Diego Credit Union, we offer a variety of services to help you meet your financial goals, or as we like to call them, Mission Fed Moments. Whether you want to stop by, give us a call or open your Checking Account online, we’re here to help you.

Frequently Asked Questions

What is a Checking Account?

A Checking Account is a bank account used for day-to-day spending. You are most likely to deposit your paycheck into a Checking Account so you can use it to pay bills, buy necessities and pay your rent or mortgage. Most people use a debit card with their Checking Account for ease, but at Mission Fed you can also use your free checks or fee-free access to any number of ATMs to use your funds as well. Enjoy easy access to your account and pay your bills quickly by using Online Banking, too.

What do I need to open a bank account?

In order to open a new account, bring along your government issued ID, proof that you live, work or go to school in San Diego County, your Social Security card and make a small initial deposit, which varies slightly depending on the account. After that, you’re ready to begin using your account! If you’re opening a Checking Account, sign up for eStatements, and you’ll be able to enjoy a free Checking Account in San Diego with Mission Fed.

How to open a bank account

Opening a bank account with Mission Fed is easy. You can apply online, in person with one of our knowledgeable employees or over the phone. No matter how you choose to apply, we make the process fast and easy. If you’d like help applying, or choosing the right account for you, call or make an appointment at your nearest branch and let us walk you through each step of the application process.

Can I open a Checking Account online?

Absolutely. Mission Fed wants to make opening a Checking Account as easy and convenient for you as possible. Feel free to apply online on your own schedule and get a fast response. Once you’ve been approved, just make your small initial deposit, and you’re all set! After you open your Checking Account online, sign up for Online Banking to enjoy the benefits of banking and online access made easy, and sign up for eStatements to enjoy a free Checking Account in San Diego.

Learn More About Checking Accounts with These Great Blog Posts!

Why choose a credit union rather than a bank?

If you’re debating whether or not to open a bank account in San Diego with a credit union, this infographic will certainly help make that decision easier for you! At Mission Fed, your success is our bottom line—find out the benefits of joining a credit union today and learn about our easy-to-get Checking Accounts!

What is a digital wallet and how does it work?

Mission Fed is proud to offer Apple Pay, which links your open Checking Account online to your smartphone via your Platinum Debit Card. But how did Apple Pay come to be? Learn all about the history of the digital wallet, and how you can explore the benefits of a Platinum Debit Card with Mission Fed and Apple Pay.

Mission Fed thanks you times a million

When you use your Platinum Debit Card, you’re automatically entered into our $1 Million Mission Fed Money Match! This is just one way we thank our members for choosing Mission Fed, and you could be next if you open a Mission Fed Checking Account today! Find out how to enjoy a free Checking Account in San Diego, and be entered in our $1 Million Mission Fed Money Match.

Banking with Mission Fed

Personal money management is made easy with Mission Fed Checking Accounts and Savings Accounts. Learn more about which account is right for you with this easy-to-read infographic. You’ll also learn about the benefits you’ll enjoy with Mission Fed’s easy Checking Accounts.

Enjoy the benefits of Online Banking

Mission Fed’s Online Banking system allows you to do your banking on your schedule from the comfort of your home, your office or even on the go. Our system is secure and easy to use so you can pay bills, transfer money between your Checking and Savings Accounts, access important documents and forms or monitor your transactions anytime. You can even open a Checking Account online! Find out how today.

All accounts are subject to approval. Programs, raters, terms, conditions and services are subject to change without notice. Please see the Official Rules for Mission for Nonprofits and Mission for Our Schools. 6/18

More Products & Services

Savings Accounts

Smiling man in garage.

Find the right Savings Account for you at with Mission Fed.

Whether you’re looking to save for a "rainy day," holiday expenses, your child’s future, or any other special occasion, a Mission Fed Savings Account with online access can help you reach your financial goals.

Easy Checking Free with eStatements and 30,000 ATMs

photo of a happy woman in a flower shop

Let’s save you money and make your life easier, starting with Easy Checking, Free with...

All San Diegans are welcome at Mission Federal Credit Union, where your success is our bottom line. That means when you open an account, you’ll start to experience the Mission Fed difference: our special way of offering you the services you need to help you...

Money Market Accounts

Three women happy with their Mission Fed Money Market account.

Enjoy higher rates and more liquidity with a Money Market Account or High Yield Money Market at...

A Money Market Account or High Yield Money Market gives you higher rates than a Savings Account with more liquidity than a Certificate Account. Check with Mission Fed to see what works best for your savings goals.

Term Certificates at competitive rates

Happy couple in their kitchen.

Are you searching for competitive CD rates? Check out our Term Certificates.

Just like a traditional CD, a Term Certificate offers you peace of mind with a dividend rate and the flexibility to choose a term that fits your investment needs.

Branch/ATM Locator

Search for Mission Fed Branches and ATMs, or 30,000 CO-OP Network ATMs Nationwide