Credit Union Banking

Credit unions are financial institutions, just like banks, that offer a range of products and services to help you reach your financial goals. In addition, credit unions are nonprofits that are owned by you, the member, instead of being owned by shareholders. This means that as a member, you often receive better benefits and more personalized service than you would at a traditional bank.

Yes, credit union personal banking is often a smart choice. Credit unions are owned by their members, not shareholders, which means they usually offer:

• Better savings rates
• Lower fees
• More personal service
• Easier loan approvals
• Free financial help

When looking into personal banking options, credit unions stand out because they focus on helping their members learn how to save money through their products and services, not making profits. They’re part of your community and treat you like a person, not a number. The benefits of a credit union include getting personalized attention and better deals on services you use every day.

No, opening a bank account at a credit union won’t hurt your credit score. The credit union will check your banking history, but this check doesn’t affect your credit. In fact, joining a credit union can help you learn how to build good credit over time.

Credit unions offer tools to help you understand and improve your credit score. They can teach you about:

• What makes a good credit score
• How to handle credit wisely
• Ways to improve your score
• Smart borrowing habits

Many credit unions also offer financial counseling to help you make better money choices.

Your daily withdrawal limits depend on your specific account type and the credit union’s policies. Most credit union banking accounts have daily limits for:

• ATM withdrawals
• Debit card purchases
• Online transfers

Check your account agreement or contact your credit union directly for exact withdrawal limits on your personal credit union bank account. They can explain your specific limits and may be able to adjust them if needed.

If you need to withdraw a large amount, visiting a branch in person is usually the best option. Branch withdrawals typically allow you to access more of your funds than ATM or debit card transactions.

Yes, personal banking is available 24/7 through California Credit Union’s secure online platform. Our digital credit union banking system makes handling your money from home or work easy without visiting a branch.

With online banking, you can:

• Check your account balances and activity whenever you need to
• Pay your monthly bills automatically or schedule them in advance
• Make deposits by taking photos of your checks
• Move money between your accounts
• Send money to other people
• Download your monthly statements
• Track your spending to help create a budget
• Order new checks
• Report lost or stolen cards

The online platform uses strong security features to protect your personal banking information. It offers the same conveniences as traditional banks but with the personal touch that comes with credit union banking. If you need help learning how to use any features, our member service team is ready to help you get started.

To access online banking, you’ll need to be a member and set up your account. Once you’re logged in, you can handle most of your regular banking tasks without leaving home. This makes managing your money more convenient while still giving you access to all the benefits of a credit union personal bank account.

Yes, at California Credit Union, we offer a free mobile banking app that works with Apple and Android devices. You can download it by searching for “CCU Mobile Banking” in your device’s app store.

To use the app for personal banking, you’ll need to:

• Be a credit union member
• Have a smartphone or tablet with internet access

The mobile app makes credit union banking simple with features like:

• Checking your balances and recent activity
• Moving money between accounts
• Paying bills
• Finding nearby branches and ATMs
• Sending secure messages to the credit union

Our mobile banking app brings all the convenience of credit union banking to your phone, making it easy to handle your money wherever you are. It’s protected by security features to keep your banking information safe, just like the online banking system.

As a member, you will have access to 25 branch locations across Southern California. Plus, you will be able to utilize 85,000+ surcharge-free ATMs through the worldwide CO-OP® and Allpoint networks. Find Locations

Yes! In partnership with GreenPath Financial Wellness, members have access to comprehensive financial counseling, financial education and money management tools. Learn More