FAQ for MyCU Members
General Transition
On February 2, 2026, MyCU members will officially become members of San Francisco Federal Credit Union. Your accounts will transition automatically.
No. Membership will transfer automatically. No action is required.
Yes. All deposits remain insured by the National Credit Union Administration (NCUA).
No. As of January 30, the ATM will be able to dispense cash only and will not be able to accept deposits. If you need to deposit a check, we offer the convenience of remote deposit capture. Remote Deposit Capture (RDC) allows you to deposit checks anytime, anywhere through your mobile banking app by taking a photo of the check with your phone. If you are depositing cash, you can do that in the branch.
Your access to Bill Pay will end at the close of business on Thursday, January 29, 2026.
Membership
Yes, member account numbers will be changing. Members will be advised of their new routing number and new account numbers in January.
No, all transactions (share drafts, ACH debits or credits) will automatically be paid to the new member account number.
All transactions will automatically transfer to the new member account number. Members will be advised of their new routing and account numbers in January and can use this information to update any direct deposit source.
After the transition, all transactions will be transferred to your new account automatically. However, we recommend members update their account information at their convenience.
No. Deposit accounts will automatically migrate to San Francisco Federal Credit Union’s system. Members do not need to open new accounts. Deposit account holders are encouraged to review the Member Booklet included with their letter.
Standard San Francisco Federal Credit Union fees will apply to all new members. MyCU members received an updated fee schedule via mail.
MyCU members will be provided with the standard San Francisco Federal Credit Union Courtesy pay limit ($500).
Yes, MyCU members may continue to use their existing checks after the transition. Share draft transactions will automatically be paid to the new member account number.
Members should not set up any new electronic payments using their old account information. Members will be advised of their routing number and new account numbers in January and can use this information to update any direct deposit or electronic payment sources.
CDs will be converted with the current interest rates and maturity dates. Standard San Francisco Federal Credit Union grace periods will apply upon the maturity date of the CD.
Debit Cards
Members will receive a new debit card by end of January 2026. Members can select a PIN of their choice, including their current PIN, during the card activation process. PIN numbers are confidential and therefore San Francisco Federal Credit Union does not have access to this information.
Members should stop using their current MyCU debit card effective January 31, 2026, and begin using their new San Francisco Federal Credit Union debit card on February 2, 2026.
The following standard San Francisco Federal Credit Union debit card limits will apply after the transition:
- ATM Withdrawal $500
- Bill Payment $2500
- Interbank Transfer $5000
- Pin Purchase $2500
- Signature Purchase $5000
- Signature Cash Advance $2000
Standard San Francisco Federal Credit Union fees will apply to all new members. MyCU members received an updated Fee Schedule via mail. You can also view it here.
Lending
Loan terms remain governed by the original lending agreements provided during the loan application process. No action is required.
The standard grace period is 10 days.
Personal Line of Credit (LOC)
Yes. As part of the transition to San Francisco Federal Credit Union, the monthly payment due date for Personal Lines of Credit will change. Beginning February 2, 2026, Personal Line of Credit payments will be due on the 27th of each month.
No. All other terms and conditions of the MyCU loan agreement remain unchanged, including interest rates, protections, and benefits.
Members who use automatic payments or bill pay should review their settings to ensure payments align with the new 27th-of-the-month due date.
MyCU Credit Card Program
As part of the transition, the MyCU credit card program is being discontinued in accordance with Section 12 of the MyCU Consumer Credit Card Agreement and Disclosure.
On February 2, 2026, MyCU credit card accounts will be closed, and cards will no longer be available to use for new purchases or transactions.
No. The MyCU Credit Card account will be closed. Members can access San Francisco Federal Credit Union’s full suite of credit card products.
Members will continue to repay their remaining balance under the same terms, rates, and conditions outlined in their existing MyCU Consumer Credit Card Agreement.
Yes. Interest, fees, and finance charges will continue to apply until the balance is paid in full, as outlined in the original agreement.
Members can continue to make payments in the same way they do today through https://dxonline-apps-s2-cloud.pscu.com/wps/portal/accesspoint/login?req=jO89VHdsXMkgueufxY8ihw until their balance is paid off.
Members can find historic credit card transactions by accessing https://dxonline-apps-s2-cloud.pscu.com/wps/portal/accesspoint/login?req=jO89VHdsXMkgueufxY8ihw.
Members should update any automatic or recurring payments currently linked to their MyCU credit card and move them to another active credit card to avoid service interruptions.
If a member’s credit card included a rewards program, all remaining points must be redeemed by January 31, 2026. Any reward points not redeemed by January 31, 2026, will be forfeited once the account is closed.
Disputes will follow the standard San Francisco Federal Credit Union process and be initiated by Member Care or the branch.
The merchant will process returns. Credits will be processed by the former processor and sent as an exception to San Francisco Federal Credit Union. Our team will credit the members’ new account.
Online & Mobile Banking
San Francisco Federal Credit Union online and mobile banking access will begin on February 2, 2026.
Yes, members can continue to use their existing MyCU online banking login credentials. Members will be prompted, however, to re-set up their password and we recommend they change to a new password. Further, San Francisco Federal Credit Union does not allow for shared credentials. If there is a joint member on any account, they will need to create their own, separate credentials.
Members can pay bills, deposit checks, transfer funds, track spending, and manage their finances through enhanced online and mobile banking tools.
If the payee is a company, e.g. SFPUC, PG&E, you will not need to add your payees. If you were paying an individual (e.g. your landlord who is an individual), you will need to set up those payees again.
We recommend that members review all bill payments to verify the payees currently listed in online banking. We also recommend that any online banking scheduled transfers be reviewed by the member to verify that they have been scheduled correctly and ensure the accuracy of “NEXT PAYMENT”.
No. Members do not need to set up recurring payments/transfers; however, we recommend members verify payments/transfers have been set up correctly.
Yes. Transaction history will be available online based on account type and established retention timeframes.
| Type of Account | Retention Timeframe |
| Checking | 12 months |
| Bill Pay | 18 Months |
| Savings | 24 months |
| Club | 48 months |
| Escrows | 48 months |
| Loans | 84 months |
The 2025 Tax form (1099-INT) was included in the members’ December statement. No separate form is provided. Any requests from members for 2025 tax information should be handled as a request for December 2025 statement copy. 2026 tax information reporting will be handled according to standard San Francisco Federal Credit Union process.
Eligible members will be offered RDC under standard San Francisco Federal Credit Union limits.
No, members do not need to proactively update their insurance provider. It is advised to provide updated information for policy renewal.
Current MyCU members do not have access to a phone banking product.
Bill Pay and eBills
Most Bill Pay accounts will carry over with the account transition; however, eBill payments will not carry over. Please review your new account and reconnect eBill payments following the instructions found under the question “How do I reconnect eBills?”
Yes, if you currently use online Bill Pay, you will need to reconnect any eBill payments that were set up through MyCU. Payment instructions will not carry over during the transition.
1) Log into online or mobile banking and from the Accounts page, click on Transfers and Payments located in the top navigation bar.
2) Once on the Transfers and Payments page, click on Pay with Bill Pay.
3) You will receive a pop-up which reads Welcome to your bill pay. Please click Continue.
4) All payees already set up as an eBill will display on the right side. Click on the PDF document icon associated with the biller that you would like to set up.
5) Complete all required fields and then click Enroll Now.
6) If you would like to make this payment recurring (also called an Autopay), click on the Make it Recurring option at the top right of each payee. You can set the frequency of bill payment.
7) Once the eBill is linked, you will see the eBill tag under the payees’s name. Please note that eBills can take up to 24 hours to appear once linked.
The credit union does not currently offer Zelle. If you are using Venmo, review your account to make sure your new San Francisco Federal Credit Union checking account is linked to Venmo.