Secured Checking

We’ve combined convenient access with extra security for all of our Members; the result being Secured Checking built for anyone who needs the power of 24/7 worldwide access.

Enjoy These Benefits With Secured Checking:

  • No minimum opening deposit requirement
  • No average daily balance requirement
  • Overdraft Protection**
  • SAFCU@Home (online banking) – 24/7 secure online access
  • SAFCU Bill Payer (via online banking) – Unlimited bill paying
  • Connect with Quicken (via online banking)
  • SAFCU-By-Phone (audio banking)
  • SAFCU Mobile Banking
  • SAFCU QwikSnap (Photo Deposit – via Mobile Banking)*
  • Shared Branching access at more than 5,000 credit union locations
  • IDProtect®- Identity Theft Protection Service
  • Send and receive money to/from other SAFCU members/accounts
  • Paperless e-Statements
  • Account alerts to help manage your money and avoid fees
  • Visa® Debit Card*
  • Surcharge-free ATM access at more than 30,000 CO-OP Network locations
  • Fraud Risk Protection – 24-hour monitoring of SAFCU debit cards
  • Direct Deposit
  • Unlimited Check Writing
  • Unlimited Debit Card Use 
  • Monthly $5.00 Fee

Open a Secured Checking Account
Call (800) 541-2546 or visit our branch today!

*Approval and Direct Deposit Required
**Approval Required

Visa® Check Card

Your SAFCU Visa® check card will give you surcharge-free access at more ATMs than even the largest U.S. bank. Learn more about SAFCU's Visa® check card

The Ease of an ATM Card with the Purchasing Power of Visa®

  • Cash access at more than 30,000 surcharge-free CO-OP Network ATMs, including 5,500 7-Eleven locations
  • Make deposits at 9,000 deposit-taking ATMs
  • Use at millions of locations around the world, anywhere Visa® debit cards are accepted
  • Shop online with any website that accepts Visa® check cards
  • No annual fee
  • Verified by Visa® program for secure Internet shopping
  • Zero liability protects you from fraudulent charges made with your card

Overdraft Protection

Avoid the cost and embarrassment of checking overdrafts

We offer member-friendly Overdraft Protection to provide automatic protection should you ever find yourself with not enough money in your checking account.

Overdraft Protection
What is it? In the event that you do not have enough money in your account, Overdraft Protection will transfer available funds from one of your eligible SAFCU accounts to pay the transaction.
How does it work? If we receive a transaction that cannot be covered by the funds in your checking account, we'll automatically transfer enough to cover your account. If a line of credit is used to cover the transaction, interest will accrue on the outstanding balance until the loan is paid in full.
Eligible accounts Savings Account - up to 6 transfers per month.
Money Market Account - up to 6 transfers per month.
Line of Credit - subject to applicable finance charges.
Fees You must maintain a balance or credit limit that will cover any overdrafts from your Checking Account, otherwise a standard $30.00 non-sufficient funds fee will apply per transaction.
How to get started Contact the credit union at (714) 834-1341 or (800) 541-2546 to set up Overdraft Protection for your checking account.

Need more overdraft protection options? Check out our Courtesy Pay!