Checking Accounts
Are you looking for

a Checking Account in San Diego?

Mission Fed offers you a variety of Checking Accounts, including

online checking accounts

to help you manage your daily transactions while enjoying convenient access. Your success is our bottom line, and that includes helping you open the Mission Fed Checking Account that’s right for you.
  Easy Checking Smart Checking mPower 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 Nearly 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: 9:00 a.m. to 1:00 p.m.
WebChat Monday-Friday: 7:00 a.m. to 7:00 p.m.
Saturday: 9:00 a.m. to 1:00 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.

Apply in the branch

Choose the time and place that’s convenient for you with our easy online reservation system.

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 over 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. You’ll also have round-the-clock access to your account seven days a week with our Online Banking, and 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 financial issue, we also 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. Additionally, you’ll have free, unlimited check writing with all of Mission Fed’s Checking Accounts with online access.

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

We have great services to help you in an emergency or prevent embarrassment when there is not enough money in your Checking Account. Learn more about courtesy pay services.

Tools You Can Use


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 Apply 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!