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Checking Accounts

At North County Credit Union, we put you in control. You choose the checking account that best fits your style – then use it however you please!

Direct Deposit Checking Account

  • No monthly fee if your total monthly direct deposit (payroll or other reoccurring payments) is $100 or more (otherwise a low $10 monthly service fee applies)
  • Dividends may be paid on daily balances over $1,500
  • Free Internet Teller, Online Bill Payment, TeleTeller and Text Banking Service
  • Free ATM Card and/or Visa® Check Card account access
  • Optional e-statements
  • $25 opening deposit requirement
Charter Checking Account
  • No monthly fee if you maintain a $500 daily balance (otherwise a low $5 monthly service fee applies)
  • Dividends may be paid on daily balances over $500; the higher your balance, the higher the dividend rate you will earn on your entire balance
  • Free Internet Teller, Online Bill Payment, TeleTeller and Text Banking Service
  • Free ATM Card and/or Visa® Check Card account access
  • Optional e-statements
  • $25 opening deposit requirement
Green Builder Checking Account
  • Pays dividend rates on par with CD rates
  • To avoid the low monthly service charge of $10, simply meet three monthly requirements:
    • Make 8 signature based Debit Card Transactions using your North County Credit Union VISA® Check Card
    • Have at least $250 directly deposited into your account
    • Enroll & receive E-Statements
  • Free Internet Teller, Online Bill Payment, TeleTeller and Text Banking Service
  • Free ATM Card and/or Visa® Check Card account access
  • $25 opening deposit requirement
  • Limit of one Green Builder Checking Account per member
e-Access Checking Account
  • No monthly minimum balance requirement
  • Free Internet Teller, Online Bill Payment, TeleTeller and Text Banking Service
  • Free ATM Card and/or Visa® Check Card account access
  • Nominal fee for some in-branch transactions
  • E-statements only
  • $25 opening deposit requirement
Fresh Start Checking Account
  • For members who have had checking account management challenges in the past
  • $100/month direct deposit requirement
  • No monthly minimum balance requirement
  • Free Internet Teller, TeleTeller and Text Banking Service
  • Optional e-statements
  • $15/month service fee
  • $25 opening deposit requirement

About All of Checking Accounts

Get 24-hour access to your checking account via our ATM or Visa® Check card, TeleTeller, Text Banking, and Internet Teller services. Accounts can also be access at any CU Service Center® throughout the United States.

Conveniently manage your funds by using payroll deduction or direct deposit services. Once your North County CU Checking Account is opened, don't forget to enroll for our FREE Online Bill Payment Service. Click here for a demo.

Available Overdraft Protection Services

Overdraft Protection is available for qualified members up to $1,000. Available balances over $5 (funds that are not subject to check holds, share pledges, management holds, Regulation Z, etc.) in your Membership Savings Account automatically serve as Overdraft Protection on North County Credit Union Checking accounts. There is a nominal fee for this service.

Courtesy Cover is an additional or alternative safeguard to our Overdraft Protection service. There is no application or additional cost to have Courtesy Cover. You are only charged if you use it.

If you do not have funds in your Membership Savings Account to transfer into your checking account through activation of our standard Overdraft Protection Service and/or don't have an Overdraft Protection Loan to cover your check, our Courtesy Cover will kick in.

Courtesy Cover will clear your check or automatic withdrawal transaction.* A Courtesy Cover fee will be assessed and your account will be drawn to a negative balance... and an embarrassing "NSF moment" is eliminated. To cover Visa Check Card services, you must opt-in for this service. Contact our branch staff for more information.

Courtesy Cover also provides another money-saving benefit. Some merchants charge up to $40 or more for a bounced check and some also charge late payment fees. Courtesy Cover can save you significant money in these situations as you won’t be charged these third-party fees.

To ensure ongoing eligibility for this service, your account must be brought to a positive balance within thirty days of use.

Enjoy the convenience and peace of mind of knowing that we've got you covered! If you have any questions regarding Courtesy Cover, please call (858) 487-1880 or email us.

*At the sole discretion of the Credit Union. Must meet eligibility requirements for service.

Interested? Open a checking account online, or email or call our Information Center at (858) 487-1880 for an application.

Once your North County CU Checking Account is opened, don't forget to enroll for our FREE Online Bill Payment Service. Click here for a demo.

Courtesy Cover -- There is no application or additional cost to have Courtesy Cover. You are only charged if you use it. Courtesy Cover is an additional or alternative safeguard to our Overdraft Protection service.

With our Overdraft Protection Service, you are charged $3.00 to transfer funds from your Membership Savings Account to your Checking Account to cover each NSF check. But what happens if you don't have enough funds in your savings or checking account, and don't have an Overdraft Protection Loan to cover your check? No problem, Courtesy Cover will clear your check, automatic withdrawal, and/or signed Visa® Check Card transaction.* A Courtesy Cover fee of $30 per item will be assessed and your account will be drawn to a negative balance... and an embarrassing "NSF moment" is eliminated.

There is another benefit Courtesy Cover provides. Some merchants charge up to $40 or more for a bounced check and some also charge late payment fees. Courtesy Cover can save you significant money in these situations.

Courtesy Cover is a membership perk that North County Credit Union provides. To ensure ongoing eligibility for this service, your account must be brought to a positive balance within thirty days of use.

Enjoy the convenience and peace of mind of knowing that we've got you covered! If you have any questions regarding Courtesy Cover, please call (858) 487-1880 or email us.

*At the sole discretion of the Credit Union. Must meet eligibility requirements for service.

Members with an existing Checking Account can order checks online or by calling toll-free 1-800-355-8123.

Interested? Open a checking account online, or email or call our Information Center at (858) 487-1880 for an application.