How did you hear about us? <PLEASE SELECT ONE> ACORN ATM Screen/Message Business Development Non-City Bank on San Francisco Branch Display Community Outreach Cross Sold by Staff Credit Union Direct Lending (CUDL) Direct Mail Letters or Postcards Statement Envelope Employer FastLoans Insert (from Paycheck) Insert (from Statements) Newsletter On-site Enrollment Presentations/On-sites Retirement Bulletin Repeat Business Referred by Staff Statement Message Credit Union Website Branch Window Display Walk-In Word of Mouth Yellow Pages Unknown (Required)

• If opening a checking account, we will automatically place your first order of checks (San Francisco Federal Credit Union Image Checks) and deduct the printing cost from that checking account. Please be sure you have sufficient funds in the applicable account.

No, I do not want my telephone number on my checks.

Yes, I do want my telephone number on my checks. My telephone number is .

Total Initial Deposit (Check one):

Enclosed is a check for my initial deposit of: $

Transfer $ from my San Francisco FCU account # (Current Members Only)

Or employees of the S.F. city/county may choose to sign up for payroll deduction below.

4. SERVICES

CHECK (DEBIT) CARD

Yes, please issue me a Check (Debit) Card for ATM/electronic access to my account(s).

Member Name to be embossed on card: (19 characters maximum)

Additional Card for joint owner (19 characters maximum)

- Joint owner must be joint on checking account and all accounts selected above for Check Card access.

CHECK (DEBIT) CARD ACCOUNT ACCESS You may access a maximum of one savings account and one checking account (Signature and POS transactions available only with checking account). Please provide account type next to Checking and/or Savings Account selected.

Checking Account - S

Savings Account - S

OVERDRAFT PROTECTION If you have applied for a checking account, you request that we cover any overdrafting transactions from the following sources. (list order: 1, 2, 3, 4, 5, 6) Joint owners of your checking account must also be joint on all of the overdraft accounts you select. If you designate and are approved for more than one source, we will access sources in the order you indicate.

Regular Share Savings Account

Regular Money Market Savings Account

Premium Money Market Savings Account

Premium Plus Money Market Savings Account

PrimePlus LOC*

VISA Credit Card*

Home Equity Line of Credit*

*Separate application required for all lines of credit.

If you do not have available funds or authorized overdraft protection from shares or a line of credit, we may, consistent with the terms of our Member Account Handbook, pay or return items that would overdraw your checking account, and charge you our paid NSF/returned NSF fee for doing so. Any negative balances that result from payment of NSF items may be recovered from your next incoming deposit(s) of funds or from other sources as specified in the Member Handbook. If you prefer that all items presented against insufficient funds be returned unpaid, initial here:

5. PAYROLL DEDUCTION

	(This service for employees of the S.F. City / County and affiliated entities. All others, please check with your employer for availability.)
	Yes, you have my permission to start payroll deduction now. I appoint San Francisco FCU as my Attorney-in-Fact for the limited purpose of requesting payroll deduction from my paycheck as I have instructed below. Initial here:
	Please deduct (minimum:$25): $ from each paycheck.
	Note: All deductions will be deposited into your Regular Share Account, unless otherwise instructed. Please include a copy of your paycheck stub.

6. DIRECT DEPOSIT

To sign up for Direct Deposit, please read instructions, print and complete the appropriate form if applicable.

S.F. City and Country Employees Direct Deposit Form Non S.F. City and Country Employees Direct Deposit Form

7. PAY-ON-DEATH BENEFICIARY DESIGNATION

All accounts opened on this agreement will have the same beneficiary combination. If you want different beneficiaries for different accounts, complete a separate agreement. Multiple beneficiaries will receive account proceeds in equal shares unless you indicate a different percentage.

Beneficiary 1
Name	Relationship	Birthdate	SSN	%

Address

City

St

Zip

Beneficiary 2

Name

Relationship

Birthdate

SSN

%

Address

City

St

Zip

8. AUTHORIZATION/SIGNATURES

Electronic Disclosures: The Credit Union makes its Member Account Handbook (including Electronic Funds Transfer Disclosure), Truth in Savings Disclosure, and Fee Schedule available for reading, downloading and printing.   Do you want to receive printed disclosures by mail? Yes No If you answered "yes", the Credit Union will mail you printed disclosures and agreements for any Credit Union services you request on this form. If you answered "no", you agree that (a) the credit union will deliver to you electronically, and you will retrieve and read the applicable account opening disclosures and agreements before using a service and (b) your use of the service will acknowledge that you have received the disclosure and agree to its terms. You can request a paper copy of the disclosure for any Credit Union service at any time. This consent does not apply to initial disclosures for loans or lines of credit.   By signing this application and submitting it to us, you confirm and/or agree: (1) The person identified as “Member” applies for membership and acknowledges that if you provide false information about eligibility, your membership and all related services will be terminated. (2) You will abide by applicable laws and our bylaws in all dealings with us. (3) You authorize us to check your credit and account history and verify information on this application. (4) Any designated joint owner is responsible, jointly and severally, with the member, for meeting account obligations to us. (5) You acknowledge receipt of our Member Account Handbook, applicable Truth in Savings Disclosure(s) and Fee Schedule and consent to their terms as amended from time to time upon legally sufficient notice. If you object to any term of any of these documents as now in effect or as later amended, you can cancel the related service. (see "Electronic Disclosures" section below (6) We have continuing authorization to open accounts for you upon your oral or written request. Additional accounts opened on your oral request will be single-party until a joint owner signs an appropriate document, except that you can open additional joint accounts by oral request with the joint owner (and beneficiary, if any) designated on this application. (7) Information on your most recent Member Account Agreement in our records will be considered your current information and any information left blank will be considered to have been intentionally omitted. (8) If your application is not submitted in person, no transactions will be permitted other than the opening deposit until we receive the signed original Member Account Agreement and ID document copies. (9) If you become indebted to us in any way, including by your use of plastic cards or by overdrawing your checking account, and you do not pay as agreed, we can take San Francisco FCU shares in which you have an interest to recover all or part of your debt without notice and without waiving other collection rights. This consent applies to all funds voluntarily deposited to us, including funds normally exempt from creditors’ remedies such as social security direct deposit, unless prohibited by law or the share agreement. We never require deposit of exempt funds. This consent is in addition to our right to impress a lien on shares under Federal Credit Union Act or any equitable right of offset. (10) SUBSTITUTE W-9 TAXPAYER ID CERTIFICATION: (OFFICIAL IRS W-9 INSTRUCTIONS ARE AVAILABLE ONLINE AT WWW.IRS.GOV USING THE W-9 FORM LINK, OR ASK A SAN FRANCISCO FCU REPRESENTATIVE.) YOU DECLARE UNDER PENALTY OF PERJURY THAT (A) YOU ARE U.S. PERSON (INCLUDING RESIDENT ALIEN); (B) THE TAXPAYER ID NUMBER PROVIDED ON THIS APPLICATION IS CORRECT; AND (C) EITHER (1) YOU HAVE NEVER BEEN NOTIFIED BY THE IRS THAT YOU ARE SUBJECT TO BACKUP WITHHOLDING DUE TO FAILURE TO REPORT DIVIDENDS OR INTEREST OR (2) YOU HAVE BEEN NOTIFIED BY THE IRS THAT YOU ARE NO LONGER SUBJECT TO BACKUP WITHHOLDING. THE IRS DOES NOT REQUIRE YOUR CONSENT TO ANY TERM OF ANY AGREEMENT WITH US OTHER THAN THE CERTIFICATIONS REQUIRED TO AVOID BACKUP WITHHOLDING. IF YOU ARE SUBJECT TO BACKUP WITHHOLDING, THE FOLLOWING BOX(ES) IS/ARE CHECKED: Member Joint Owner

1. PRINT, SIGN, and MAIL form to: (Required)

San Francisco Federal Credit Union
770 Golden Gate Avenue
San Francisco, CA 94102
Attn: Financial Services

• If joining, please be sure to include all of the following items to activate your account(s):
• (A) the Member Account Agreement (also known as the Membership Application) with your original signature,


• (B) a photocopy of your photo ID such as driver's license showing your signature and current residence address (P.O. boxes or mailbox service address not acceptable) and


• (C) a check for your initial minimum deposit of $10 ($5 membership fee and $5 minimum Regular Share Deposit) if paying by check


• (D) include completed Direct Deposit form if applicable

2. CLICK "Submit Application" button below. (Required)