Checking
Benefits
- Visa EMV Chip Debit Card
- No-cost nationwide access to over 30,000 ATMs
- Complimentary overdraft protection
- Online and mobile banking
Join in 3 Steps
- Select Your Eligibility
- Select Checking Product
- Review and Finish Application
Types of Checking Accounts
Basic Checking
- No minimum deposit required for opening
- No monthly maintenance fee
- No minimum monthly balance
- Account accessible through online banking
- ATM/debit card provided
- Access to 30,000 surcharge-free ATMs and CO-OP Shared Branch Centers across the United States and Canada
- Branch and telephone service access
- Check writing privileges
- Bill pay
- ATM and mobile deposits
- Complimentary Overdraft Transfer Protection: you can set up funds to automatically transfer from your savings account to your checking account to cover overdraft transactions at no cost.
- Privilege Pay: at our discretion, if you don’t have sufficient funds in your checking account, the Credit Union may cover an overdraft, for a fee.
Access Account:
(2nd Chance Account)
- No minimum deposit required for opening
- No monthly maintenance fee
- No minimum monthly balance
- Account accessible through online banking
- ATM/Debit Card provided
- Access to 30,000 surcharge-free ATMs and CO-OP Shared Branch Centers across the United States and Canada
- Branch and telephone service access
Access Account does not offer:
- Check writing privileges
- Bill pay
- ATM and mobile deposits
- Privilege pay
HSA Checking:
(For individuals and families
covered by HDHPs)
- Variable rate
- No monthly service fee
- Tax-free dividends paid monthly
- Contribution limitations
- Tax deductible for qualified HSA Contributions
- Withdrawals for qualified expenses are tax free
- HSA assets may be used as part of retirement (age 65)
- Upon Death, HSA assets may become the property of a beneficiary. A spouse may treat the assets as his/her own HSA, while non-spouse beneficiaries must treat as ordinary income.
Checking Account Features From San Francisco Federal Credit Union
No Monthly Maintenance Fees
Why pay for a checking account? It’s your money. Keep it!
No Minimum Monthly Balance Requirement
We don’t believe in putting restrictions on your account.
Access to 30,000 surcharge-free ATMs
Enjoy CO-OP Shared Branch Centers across the Unites States and Canada.
Member Discounts
Earn rewards on travel, entertainment, and more just for being a member.
Online & Mobile Banking
Enjoy on-the-go banking
whenever, wherever.
Complimentary Overdraft Transfer Protection
Set up funds to automatically transfer from your savings account to cover overdrafts at no cost!*
Enjoy Other Free Checking Account Benefits
- Visa EMV chip debit card
- No-cost nationwide access to over 30,000 ATMs
- 5,000 shared branches nationwide
- Insured by NCUA to at least $250,000
- Direct deposit available
- Online bill pay
- Free accidental death and dismemberment (AD&D) insurance
- Discounts at select merchants
Enjoy these benefits and more when you become a member! Learn more about our eligibility requirements.
Enjoy Other Free Checking Account Benefits
Making the right financial choices when swiping your debit card requires having the necessary tools and resources at your fingertips.
At San Francisco Federal Credit Union, we offer financial tips and guidance to ensure that you’re able to take full advantage of your debit card in the best possible way.
Checking FAQs
Our checking accounts are free of charge to open.
San Francisco Federal Credit Union has a robust Member Information Security program that ensures adequate security is built into our platforms, which include the latest cutting-edge technology, internal processes and staff manpower. We take extensive measures to protect your personal information, and are constantly monitoring accounts for fraud and identity theft. We ensure ongoing compliance to industry required security frameworks to verify that our internal procedural operations have security built into them. If you believe you have been a victim of fraud please call us immediately at 415-775-5377.
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It takes 7 to 10 business days to receive both checks and debit cards.
No. Our checking account does not require a minimum daily balance.
You can transfer funds through our amazing App (which you can download for your iPhone or Android), by calling our Service Center and transferring over the phone 415-775-5377 or by coming into one of our convenient locations where one of our team members will process the transaction for you.
Contact Us for more information or call 415.775.5377