All San Diegans are welcome at Mission Federal Credit Union, where your success is our bottom line. That means when you open a free checking account in San Diego, you’ll start to experience the Mission Fed difference: our special way of offering you the services you need to help you reach your goals—which we call Mission Fed Moments. Let’s save you money and make your life easier, starting with

Easy Checking, Free with eStatements

, and access to 30,000 fee-free CO-OP ATMs nationwide.
  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
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
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.

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.



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


Branch/ATM Locator

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

Virtual Appointment

Open an account
with Virtual Appointment

Schedule Appointment