XA Mobile

Eligibility

Applying is fast and easy!

You will need the following information in order to complete the application:

Government issued ID/Drivers License/State ID or Passport with current address

Your complete physical and mailing address

Social Security Number

Date of Birth (must be 18 years old to apply online)

Select your eligibility

I live or work in San Diego County

Live or work:

I'm employed by one of Wheelhouse's partner employers:

My employer is:

I'm a family member of someone with a Wheelhouse membership

Family member name:

I have a membership with the San Diego Zoo Wildlife Alliance

SD Zoo Membership Number:

I'm a member of the San Diego Automotive Museum

Please pick the month you became a member of the museum:

Remove Product

Remove

Cancel

Required Products

Select at least one of the following products required for membership

You may select one of the following products

Inspired Savings - Primary

A complement to our popular Inspired Checking Account, Inspired Savings is our higher-yielding dividend account to establish your Wheelhouse Membership. Account requires the enrollment in eStatements within 90 days after account opening, or the account will convert to a Regular Savings Account. By choosing Inspired Savings, you will have the opportunity to pair it with an Inspired Checking Account by clicking the plus (+) icon to the right of Inspired Checking below.

Min Deposit: $1.00

Regular Shares - Primary

Our Regular Savings Account is dividend-bearing and establishes your lifetime Wheelhouse Membership. You’re able to deposit and withdraw funds at your convenience.

Min Deposit: $1.00

Aspire Savings - Primary

Our Aspire Savings Account is designed for Members ages 13-25, with no monthly service charge. Members ages 13-17 must visit a branch location and have a parent or legal guardian as joint owner on this account to open. Upon turning 26 years old, this account will be converted to a Regular Savings Account. Earn dividends on balances of $100 or more.

Min Deposit: $5.00

Available Products

Certificate Account Savings Money Market Checking

4 Month Certificate Quarterly

***PROMOTIONAL CERTIFICATE. ALL NEW MONEY REQUIRED. OPEN WITH AS LITTLE AS $500.***

Max APY: 3.65% Min Deposit: $500.00 Max Deposit: $500,000.00

8 Month Certificate Quarterly

***PROMOTIONAL CERTIFICATE. ALL NEW MONEY REQUIRED. OPEN WITH AS LITTLE AS $500.***

Max APY: 3.85% Min Deposit: $500.00 Max Deposit: $500,000.00

11 Month Certificate Quarterly

***PROMOTIONAL CERTIFICATE. ALL NEW MONEY REQUIRED. OPEN WITH AS LITTLE AS $500.***

Max APY: 3.75% Min Deposit: $500.00 Max Deposit: $500,000.00

15 Month Certificate Quarterly

***PROMOTIONAL CERTIFICATE. ALL NEW MONEY REQUIRED. OPEN WITH AS LITTLE AS $500.***

Max APY: 3.40% Min Deposit: $500.00 Max Deposit: $500,000.00

3 Month Certificate Quarterly

Max APY: 1.70% Min Deposit: $500.00

6 Month Certificate Quarterly

Max APY: 3.85% Min Deposit: $500.00

1 Year Certificate Quarterly

Max APY: 3.65% Min Deposit: $500.00

18 Month Certificate Quarterly

Max APY: 3.30% Min Deposit: $500.00

2 Year Certificate Quarterly

Max APY: 3.50% Min Deposit: $500.00

3 Year Certificate Quarterly

Max APY: 2.40% Min Deposit: $500.00

5 Year Certificate Quarterly

Max APY: 2.40% Min Deposit: $500.00

Inspired Money Market

Our Inspired Money Market Account is a high-yield savings account for those with limited transaction needs. Maintain a balance of $500 to qualify for our Inspired Money Market Account. Unlimited ATM and in-person withdrawals, limit of six (6) electronic, phone withdrawals or transfers per month.
Learn more

Min Deposit: $500.00

Money Market

Our Money Market Account is a high-yield savings account for those with limited transaction needs. Maintain a minimum balance of $1,000 to qualify for our Money Market Account. Withdrawals must be made in $500 increments or more.
Learn more

Min Deposit: $1,000.00

Inspired Plus Checking

Max APY: 3.00% Min Deposit: $10.00

Basic Plus Checking

Our non-dividend bearing checking account plus exclusive benefits. Visit website for a complete list. The monthly service charge for this account is $9.00. Earn Debit Rewards with our Visa® Debit Card. Bounce Guard/Overdraft Protection available.

Min Deposit: $25.00

Inspired Checking

Helps you earn more. See below for the latest rates. Requires $450 monthly direct deposit, active Digital Banking registration and eStatements within 90 days of account opening. If minimum requirements are not met, account will convert to Basic Checking. Bounce Guard/Overdraft Protection available.

Max APY: 3.00% Min Deposit: $10.00

Basic Checking

Our non-dividend bearing Basic Checking Account is perfect for your everyday needs. The monthly service charge for this account is $5.00 but is waived with active direct deposit or eStatements. Earn Debit Rewards with our Visa® Debit Card. Bounce Guard/Overdraft Protection available.

Min Deposit: $25.00

Access Checking for 13-25 year olds

Access Checking is suitable for Members ages 13-25 with no monthly service charge, free Digital Banking, Bill Pay, and eStatements. Members ages 13-17 must visit a branch location and have a parent or legal guardian as joint owner on this account to open. Upon turning 26 years old, the account will be converted to a Basic Checking. Earn Debit Rewards with our Visa Debit Card.

Min Deposit: $5.00

Inspired Savings

Our Inspired Savings Account allows you to earn a higher yield. Account requires the enrollment in eStatements within 90 days after account opening, or the account will convert to a Regular Savings Account. Unlimited ATM and in-person withdrawals with a limit of six (6) electronic, phone withdrawals or transfers per month.
Learn more

Regular Savings

Our Regular Savings Account is perfect for Members who are saving for special occasions, including: vacations, weddings, unexpected expenses and more.
Learn more

High Yield Savings

***NEW MONEY REQUIRED***

This High-Yield Savings Account is a market leader, perfect to place money for immediate needs. This account is for NEW MONEY ONLY, and requires enrollment in Digital Banking and eStatements. It can also be used for overdraft protection when connected to a Wheelhouse Checking Account.
Learn more

Min Deposit: $5.00

Aspire Savings

Our Aspire Savings Account is designed for Members ages 13-25 with no monthly service charge. Members ages 13-17 must visit a branch location and have a parent or legal guardian joint owner on this account to open. Upon turning 26 years old, this account will be converted to a Regular Savings Account. Earn dividends on balances of $100 or more.
Learn more

Min Deposit: $5.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	3.60%	3.65%	$500.00	4 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	3.80%	3.85%	$500.00	8 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	3.70%	3.75%	$500.00	$500.00	11 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	3.36%	3.40%	$500.00	15 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.05%	0.05%	$10.00	$10.00	N/A
.	0.25%	0.25%	$10,000.00	$10.00	N/A
.	2.96%	3.00%	$75,000.00	$10.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	1.69%	1.70%	$500.00	$500.00	3 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.05%	0.05%	$10.00	$10.00	N/A
.	0.25%	0.25%	$10,000.00	$10.00	N/A
.	2.96%	3.00%	$75,000.00	$10.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	3.80%	3.85%	$500.00	$500.00	6 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	3.60%	3.65%	$500.00	$500.00	12 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	3.26%	3.30%	$500.00	$500.00	18 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	3.45%	3.50%	$500.00	$500.00	24 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	2.38%	2.40%	$500.00	$500.00	36 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	2.38%	2.40%	$500.00	$500.00	60 (min)

Continue

Description

Details

Select feature(s)

Additional feature(s)

Add Account Remove Account Save Account OK

Back Next Add Bundle Save Bundle

Choose your rate

Specify the amount to deposit

Choose your term

Placeholder text

Maturity Date

To continue your application, please call us at (619) 297-4835 or visit a branch location. Your application cannot be completed online for the following reason(s):

Return to Application Cancel Application

Application Cancelled

We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.

Return to Application

Funding

How much do you want to deposit?

Total Deposit

How do you want to fund your new account?

Not Funding At This Time

Transfer From Another Financial Institution (max $500.00)

Mail A Check

Internal Transfer

Continue Or Go Back

*Required Field(s)

Done

There was a problem with your request

Let Me Fix Continue

Done

Insufficient Balance

This account does not have sufficient balance to cover the total required deposit.

Please select another account.

Success

Your Google Pay transaction is Successful Ok

Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

Continue

Verify account manually instead

By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Continue Or Go Back

Tell Us About Yourself

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Housing Payment

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

Upload Documents

Take a picture or upload your Government Issued ID. This step is optional but may help speed up the process.

Click or tap here to capture or upload an image or document.

Do you have any beneficiaries?

Yes

Do you have another applicant?

Yes

Continue Or Go Back

To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.

If you do not wish to use this feature simply click the “Done” button, to proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

Continue Or Go Back

About Your Joint Applicant

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Housing Payment

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Upload Documents

Take a picture or upload your Government Issued ID. This step is optional but may help speed up the process.

Click or tap here to capture or upload an image or document.

Continue Or Go Back

Tell us about your beneficiaries

Add an additional beneficiary

Are you sure you want to remove this beneficiary?

Remove

Cancel

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Continue Or Go Back

Tell us about your beneficiary percent shares

Other Products

Total beneficiary percent share: 0.00%

Please indicate the percentage of the payout each beneficiary will receive:

Total

0.00%

Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

Continue Or Go Back

Review and Submit

Product Selections

Additional Application Information

Applicant Information

Contact Information

Identification Information

Secondary Identification Information

Address

Employment Information

Previous Employment Information

Joint Applicant Information

Joint Applicant Contact Information

Joint Applicant Identification

Joint Applicant Secondary Identification

Joint Applicant Address

Joint Applicant Employment Information

Beneficiary Information

Funding Source

Have comments

Please answer the following question(s)

How did you hear about us?

Are you eligible for WorkPlace Benefits Banking or are you a Trailblaze Challenge Participant?

Please enter your promo code

Are you applying for a Solar or Energy Efficient Equipment loan?*

When do you prefer we contact you?*

Read, Sign and Submit

By clicking "I Agree" below, you are certifying the accuracy of all the information in this application and you understand that San Diego Metropolitan Credit Union (we, us) will, and authorize us to, verify the information. You authorize us to pull credit reports and credit information in connection with this application and for any future reason as permitted by law.

I have read and understand the E-Sign Disclosure. I confirm I received and can access, print and save the following:

I have read and understand the Privacy Policy

I have read and understand the California Financial Privacy Policy (Important Privacy Choices for Consumers)

Email Agreements & Disclosures

Your E-mail Address

The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

Send

I Agree Or Go Back

One-Time Passcode

Submit Code

Authentication Questions

Submit Answers

Continue Cancel

Do you want to cancel the verification process? Doing so may delay the processing of your application.

Yes No

Continue Cancel

Do you want to cancel the verification process? Doing so may delay the processing of your application.

Yes No

Almost Done

Please complete the account funding to activate your account.

Fund Later

Funding later may delay account activation

Almost Done

Please complete the account funding to activate your account.

Fund Now with Plaid

Fund Later

Funding later may delay account activation

Almost Done

Please complete the account funding to activate your account.

Fund Now with Repay

Fund Later

Funding later may delay account activation

Almost Done

Please complete the account funding to activate your account.

Fund Later

Funding later may delay account activation

There was a problem with your request

Restart will clear all data and return to the main page. Are you sure?

Yes No

Return to our website

Fund via Internal Transfer

Fund via Credit Card

Alert Popup

Transfer from another financial institution

Co-Driver's License Scan

Driver's License Scan

Other Products

Document Upload Source Selector

Document Upload Source Selector

One-Time Passcode

Document Verification

Restart Popup

Document Verification

Restart Popup

Alert Popup

Alert Popup

Restart Popup

New Membership

Application Cancelled

Funding

Fund via Internal Transfer

Fund via Credit Card

Alert Popup

Transfer from another financial institution

'Doing Business As' Information

Tell Us About Yourself

Co-Driver's License Scan

Driver's License Scan

Minor Applicant Information

Joint Applicant Information

Beneficiaries Information

Beneficiaries percent share information page

Other Products

Document Upload Source Selector

Document Upload Source Selector

Review and Submit

One-Time Passcode

Authentication Questions

Document Verification

Restart Popup

Document Verification

Restart Popup

Application Completed

Almost Done

Congratulations

Funds Pending

Almost Done

Congratulations

Funds Pending

Almost Done

Congratulations

Funds Pending

Almost Done

Alert Popup

Restart Popup

Access Denied