USA Patriot Act Notice
Important Information about Procedures for Opening a New Account. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account we will ask for your name, street address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

1. All new accounts will be verified through ChexSystems^® and are subject to approval. Member must be 18 years and older and accounts with CU SoCal must be in good standing. Account must use a SSN or ITIN, not an EIN. A $2 monthly paper statement fee will be applied to the primary savings account for Members ages 18-63 who are not enrolled in eDocuments. If funds are unavailable in the primary savings account, the fee will be transferred to that account from the secondary savings, checking, or money market account. For Members without a primary savings account, the fee will be applied to the checking account or money market account. Please visit CUSoCal.org/Rewards-Checking or CUSoCal.org/Classic-Checking for full details and disclosures on each account.
2. Approximate $68 monthly value is based on CU SoCal’s estimate of the combined retail value of comparable services and features included with the Rewards Checking account as of April 1, 2026. Actual value may vary based on individual use of the benefits and changes in the cost of comparable services. Benefits are automatically included with Rewards Checking and are subject to eligibility, activation or registration requirements, limitations, exclusions, and applicable terms and conditions. Benefits may be modified or discontinued as permitted by the account and benefit terms. Certain benefits are provided by third parties. Benefits have no cash or redemption value and cannot be exchanged for cash. See Rewards Checking terms and conditions for complete details.
3. All CU SoCal Debit and Credit Card purchases qualify with the following exceptions: cash advances; balance transfers; convenience checks; quasi-cash (purchases that are directly convertible to cash such as casino gaming chips, money orders, wire transfers, travelers checks); finance charges, fees, and credit insurance; purchases made by or for a business; unauthorized/fraudulent transactions; debit card purchases for less than $1.50; and credit card purchases for less than $.50. Qualified debit purchases will result in one (1) point for every five dollars ($5) spent, rounded at each increment of $1.50. Qualified credit purchases will result in one (1) point for every one ($1) dollar spent, rounded to the nearest dollar. Bonus points are occasionally awarded for merchant specific and CU SoCal special promotions. All transactions and points are subject to verification. The point balance is the total of points awarded, less points that are deducted for returns and adjustments. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point balance during the dispute period. If the transaction is reinstated, the points will be reinstated.
4. Offer effective February 1, 2025. The Monthly Rewards Checking fee will be waived for any month in which the account qualifies for Rewards+ Loyalty Program benefits. The auto loan rate discount of up to 0.25% applies to loans funded on or after April 12, 2023. The discount begins the month you qualify for Rewards+ Loyalty Program benefits. If you qualify at the time of funding, the discount will be applied on the following business day. Rates cannot fall below the current floor rate.The higher dividend rate for the Soar Money Market Share Account applies only during months you qualify as an active Rewards+ Loyalty Program Member. The higher dividend rate for Share Certificates is available only for new certificates opened while you are an active Rewards+ Loyalty Program Member. Once a certificate is opened, the rate is fixed for the term, regardless of changes to your Rewards+ Loyalty Program status. Upon maturity, renewal rate options will be based on your Rewards+ Loyalty Program Membership status at that time.To qualify, required Signature and/or POS-based transactions must post to the account by the last day of the month; ATM transactions are excluded. Bonus Dream Points for qualifying months will be credited annually within 60 days following the account-opening anniversary date. To receive annual bonus points, members must maintain a Rewards Checking Account or a Platinum Rewards Visa® Credit Card. Rewards+ Loyalty Program Members are eligible for one free box of corporate image design checks annually. Orders can be placed by visiting or calling a CU SoCal branch.Members must be in good standing to qualify for Rewards+ Loyalty Program benefits. Offer terms are subject to change without notice.
5. Special Program Notes: The description herein is a summary only and does not include all terms, conditions and exclusions of the Benefit described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit.
6. Cell phone protection is only available for eligible phones listed on a cell phone bill paid through a CU SoCal Rewards Checking Account.
7. Available for the primary account holder and their joint account holder(s). This is not insurance. Registration/activation required.
8. This is NOT insurance. Registration/activation required.
9. Available via web or mobile only.
10. Benefits are available to personal checking accounts and their primary accountholder and joint accountholder(s) subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an accountholder or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Note: Identity Fraud Expense Reimbursement and Fully Managed Theft Resolution Services extend to eligible family members. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household. Registration/activation required for Identity Monitoring.