Checking Accounts
Get the powerful, easy-to-use everyday money management tools you need so you can spend less time thinking about money and more time living life!
Simple, Smart Money Management Tools
Opening a free checking account and managing your money has never been easier. San Francisco Federal Credit Union offers accounts for everyday checking, health expenses, and to help build your credit, all with no monthly maintenance fees, no minimum deposit requirements, and no minimum opening balance requirements. And all that comes along with a host of other benefits to make your banking easier and to reward you for being a member.
Are you already a member? Log into Online Banking to open an account!
Everyday Banking, Extraordinary Benefits
Visa EMV Chip Debit Card
Enjoy safe, convenient debit card purchases in person or online.
Access to Over 30,000 ATMs
Make deposits and withdrawals at no cost with our nationwide network.
Free Overdraft Transfers
Transfer funds from your savings account to help pay for overdraft transactions.
Online and Mobile Banking
Manage your money on your device, tablet, or computer from wherever you are!
Basic Checking Account
With no minimum balance requirements, no monthly maintenance fees, free check writing privileges, online bill pay, and easy ATM deposits and withdrawals, it’s easy to manage your money without worrying about extra costs.
HSA Checking Account
Designed for individuals and families covered by High Deductible Health Plans (HDHPs), this account offers a variable rate and no monthly service fees. Enjoy tax-free dividends paid monthly and benefit from tax deductions for qualified contributions.
Second Chance Checking Account
Build for the future with no monthly maintenance fees or minimum balance requirements. Enjoy access to over 30,000 surcharge-free ATMs and CO-OP Shared Branch Centers across the U.S. and Canada.
Compare Checking Accounts
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Basic Checking Account |
HSA Checking Account |
Second Chance Checking Account |
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Best For |
Simple banking for everyday needs |
Tax-advantaged savings for your health |
Your fresh start in banking |
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Earns Dividends |
✖️ |
✔️ |
✔️ |
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Tax Deductible for Qualifying Contributions |
✖️ |
✔️ |
✖️ |
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Minimum Deposit to Open |
$0 |
TBD |
$0 |
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Monthly Maintenance Fee |
$0 |
$0 |
$0 |
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Minimum Monthly Balance |
$0 |
TBD |
$0 |
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Access to Online Banking |
✔️ |
✔️ |
✔️ |
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ATM Debit Card Provided |
✔️ |
✔️ |
✔️ |
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ATM and Mobile Deposit |
✔️ |
✔️ |
✖️ |
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Access to Over 30,000 Surcharge-free ATMs |
✔️ |
✔️ |
✔️ |
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Additional Features of San Francisco FCU Checking Accounts
No Monthly Maintenance Fees
Why pay for a checking account? Spend your money on your terms, not ours.
No Minimum Monthly Balance Requirement
We don’t believe in putting restrictions on our accounts. Manage your money on your terms.
Free Online Bill Pay
Settle bills and other regular payments directly from your checking account.
Get Your Money Sooner With Direct Deposit
Receive your paycheck directly in your checking account. No need to rush to deposit it.
Funds Insured by the Federal Government
Balances in our deposit accounts are insured by the NCUA up to $250,000.
Earn Valuable Member Discounts
Earn rewards on travel, entertainment, and more. Get the rewards you deserve.
Open Your Checking Account in 3 Easy Steps!
Check Your Eligibility
Membership is open to residents of San Francisco and San Mateo counties and City employees.
Select Checking Product
Choose a checking account as one of your required products for membership.
Review & Finish Application
You’ll need to provide proof of identity, address, and social security number.
Why Choose San Francisco FCU?
With affordable products, personal service, and great benefits, San Francisco FCU is your financial partner for life. Spend less time thinking about money and more time enjoying your life in the City with an unbeatable range of free and low-cost account options, online banking services, and ATM access wherever you go.
Credit Union Checking Accounts FAQs
No, all San Francisco FCU checking accounts are free of charge to open, providing an easy and affordable way to manage your finances.
It typically takes 7 to 10 business days to receive your debit card and checks once your account is opened.
If you lose your debit card, contact us immediately at 415-775-5377. We have robust security measures in place to protect your account and can quickly issue a replacement card.
You can transfer funds through our mobile app (which you can download for your iPhone or Android), by calling our Service Center at 415-775-5377, or by coming into one of our convenient locations.
The routing number for San Francisco Federal Credit Union is 321076441. Use this number for direct deposits, wire transfers, and other banking transactions.