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Breeze Spending

It’s Fast. It’s Easy. It’s Breeze.

Opening a free Breeze Spending account with Mission Fed is fast and easy.1

  • Open with as little as $5
  • No monthly fees and no minimum balance
  • Easily manage money with the Mission Fed mobile banking app
Open Account Today

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It shouldn’t cost you money to use your money.

  • Early paycheck.2 Sign up for direct deposit and use your money up to 2 days earlier.
  • No overdraft fees (up to $100)3
  • Send money any time with Zelle®4

All of our Mission Fed spending and checking accounts include

  • Platinum debit card with contactless payments
  • Access to 30,000 fee-free CO-OP Network ATMs nationwide
  • 24/7 access via mobile or online banking
  • Mobile deposit via our mobile banking app5
  • Helpful customer service via phone, email or secure web chat

Compare our spending and checking accounts and find one that best fits your lifestyle and needs.

couple talking with Mission Fed employee

Help When You Need It

The best feature? Real people to talk to.

If you have questions about your account or need help. We have real people standing by to help you. Visit any of our San Diego County branches.

Find a Location


Must meet membership and account criteria. Rates, terms, and conditions subject to change without notice. Mobile and data rates apply when using mobile banking.

1The Breeze Spending Account has no monthly, maintenance, overdraft or NSF fees. Fees like debit card replacement fees, foreign transaction fees, or out of network ATM fees or fees for extra services like, wire transfers may apply to your account. See our Fee Schedule for more details.

2Early paycheck availability depends on when we receive the payment file from your employer. Actual deposit date is not guaranteed.

3Overdraft protection for debit card transactions requires enrollment and is available up to $20 without direct deposit. $100 overdraft coverage requires enrollment and qualifying direct deposits of at least $500 into your Breeze Spending Account. Qualifying direct deposit includes an ACH deposit of regular monthly income such as your paycheck, pension, or other government benefit from your employer or other third-party. One-time deposits and peer to peer payments do not qualify. Account must be in good standing to be enrolled. Overdraft transactions are paid at our discretion. If we do not authorize and pay an overdraft, your transaction may be declined. Mission Fed will not charge you an overdraft or NSF fee, but you may be charged a fee by third parties such as businesses attempting to debit your account. Any negative balances that result from overdraft protection must be paid within 30 days from the date your account becomes negative. Overdraft protection may not be available for all Breeze Spending Accounts.

4Must have a checking or spending account with Mission Fed to use Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. Mobile carrier fees may apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

5Mobile deposits subject to verification and may not be available immediately. Other restrictions apply.