Checking Accounts

Are you looking for

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.

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.

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, 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)
Initial Deposit $25 $100 $25
Earns Dividends No Yes Tiered based on your balance No
Monthly Fee No monthly fee
when enrolled in eStatements
No monthly fee if account has a monthly direct deposit of $500+ or average daily balance of $1,500+ 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, Android 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 MissionLine
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.

How to open a Checking Account

We make applying to open a Checking Account easy at Mission Fed. You can apply 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
  • Valid ID
  • Your Social Security Number

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

Apply online

If you’re looking to open a Checking  Account online, apply now for an easy to open Checking Account online!

Apply in the branch

Choose the time and place that’s convenient for you with our easy online reservation system. Just click the button below to make an appointment at your nearest branch.

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.

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. 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.


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.


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 have a Checking 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!

What is a digital wallet and how does it work? Mission Fed is proud to offer Apple Pay, which links your online Checking Account via your Platinum Debit Card to your smartphone. 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!

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 an open Checking  Account from Mission Fed.

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.

More Products & Services

Courtesy Pay Services

Photo of proud teacher standing in front of his students.

With Mission Debit Card Privilege, Mission Fed may authorize your PIN and signature-based Debit...

With Mission Debit Card Privilege, Mission Fed may authorize your PIN and signature-based Debit Card purchase transactions, even if there is not enough money in your Checking Account to cover them.


Refer a Friend and earn $40 each

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Share Mission Fed with a friend and earn $40 each

Now through March 31, 2018, Refer a Friend to Mission Fed and you’ll both receive $40.


Savings Accounts

Photo of 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.


Plan for your future— with the benefits of an IRA

Photo of an elderly couple on a golf course.

Save money with an IRA Account here at Mission Fed.

Save money with an IRA Account here at Mission Fed. We offer Traditional, Roth and SEP plans.


Branch/ATM Locator

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