Checking Accounts
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 includeonline 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 |
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| 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. |
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| WebChat | Monday-Friday: 7:00 a.m. to 7:00 p.m. Saturday: 8:00 a.m. to 4:00 p.m |
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| 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.
Make an Appointment
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.
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.
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
Term Certificates at competitive rates
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.
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Mission Federal Money Market Accounts
If you’re looking for a Money Market Account with competitive rates and more access than a Certificate Account, take advantage of the benefits that a Mission Fed Money Market Account has to offer.
Courtesy Pay Services
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.
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Easy Checking, free with eStatements
If you want all of the benefits of a great Checking Account—without the paper—we have a great option for you. Our Easy Checking Account has no monthly service fee when you enroll in eStatements.
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