Checking Accounts

North County CU offers three types of checking accounts, all with unlimited check writing privileges and no per check fees. Choose:

  • Direct Deposit Checking (The $10 monthly fee is waived with a monthly direct deposit of $100 or more. This is a dividend earning checking account.)
  • Charter Checking (The $5 monthly fee is waived with a daily balance of $500 or more. This is a dividend earning checking account.)
  • e-Access Checking (This is a non-dividend earning checking account.) This account is designed for Credit Union members who prefer to conduct their account transactions through electronic services and conduct little or no in-branch account transactions. There is a nominal fee for some in-branch transactions conducted on this account.

    Free Online Bill Payment Service is offered to e-Access Checking account holders as long as the account is held in good standing. Account holders will receive electronic statements when available. This is an account requirement. In the interim, account holders will receive monthly combined paper statements.
All of our checking accounts require an opening deposit of $25. Get 24-hour access to your checking account via our ATM or VisaŽ Check card, TeleTeller and Internet Teller services. To conveniently manage your funds, use payroll deduction or direct deposit 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 CU Checking accounts.

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 VisaŽ Check Card transaction.* A Courtesy Cover fee of $25 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.