San Francisco Federal Credit Union


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Access Advantage Checking

At San Francisco Federal Credit Union, we believe you shouldn't pay fees to access your own money! That's why we've come up with an uncommon solution to this common situation. We are thrilled to introduce Access Advantage, our newest dividend-earning checking account with free nationwide ATM access. With Access Advantage, you can withdraw cash anywhere, anytime; we will refund your ATM fees from other financial institutions, up to $10 per month.* This is in addition to the 28,000 CO-OP Network ATMs you can use surcharge-free nationwide.

In addition to earning dividends with Access Advantage, you'll benefit from our array of e-services, such as e-Statements, Online Bill Pay, ExpressMobile and ExpressLine. Start enjoying the convenience of free ATM transactions anywhere, anytime by opening an Access Advantage checking account today.

See how we compare with big banks:**

	San Francisco FCU	Chase	Wells Fargo	Bank of America
Name of Account	Access Advantage Checking	Premier Plus Checking	Preferred Package (Both Checking & Savings required)	Prima® with Tiered Interest Checking
ATM Access	Over 28,000	Over 16,000	Over 12,000	Over 18,000
Cost of using foreign ATM	Free, up to $10 in rebate per month	First 4 non-Chase ATMs are free per month ($2 each thereafter)	$2.50 each	$2.00 each
Online Services (e-Statements, Bill Pay, Mobile Banking)
Dividend Earning
Debit Card
Amount to Open Account	$0	$25	$200	$100
Monthly Maintenance Fee	$12	$25	$15 for checking $10 for savings	$25
How to avoid monthly maintenance fee+	$1,000 minimum average monthly balance	An average daily balance of $15,000 or more in linked deposits or investments	Waive the $15 monthly service fee on your Complete Advantage Checking account when you open it and maintain $10,000 combined minimum deposit balance	Maintain $10,000 balance in deposits OR Have a $15,000 outstanding balance on a linked Installment Loan, Line of Credit, or any balance on a linked first mortgage OR Maintain $15,000 in combined assets in linked brokerage accounts .
Direct Deposit Required		Varies	Varies	Varies

Other Features and Benefits
San Francisco Federal Credit Union also offers members a range of value-adding checking account services designed for your convenience. These services include:

Compare each checking account's features, benefits and fees here.

Ready to Switch to San Francisco FCU? We make it easy.
Switch your accounts to San Francisco Federal Credit Union. Three easy steps to switch ...

For additional information, please contact us at (415) 775-5377, option 4 or contacts@SanFranciscoFCU.com.

For Members: Open an Access Advantage Checking Account Now.

For New Members: Open an Access Advantage Checking Account Now.

Learn More:

* We will rebate up to $10 per month of fees that other U.S. ATM operators charge for use of a San Francisco FCU ATM or debit card in their machines. No rebates of fees charged at ATMs outside the U.S. Fees that would otherwise apply to use of your San Francisco FCU ATM or debit card, such as overdraft fees, will still apply.

** Competitors' account details taken from their websites on 1/4/2012.

+ See Schedule of Fees for San Francisco FCU maintenance fee.

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		This credit union is federally insured by the National Credit Union Administration.		"5 Stars Superior" rating for strength & stability. Obtain a free report today.		We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.