Free Checking Account

Get a free checking account that features no monthly service charge and no minimum balance.

At San Francisco Federal Credit Union, we believe in providing our members with the best financial products and services for smart purchasing habits. All of our checking accounts offer no monthly maintenance fee and no monthly minimum balance. You’ll also enjoy:

• A Visa EMV Chip Debit Card
• No-cost nationwide access to over 29,000 ATMs
• Up to 5 free ATM transactions per month (except for Access Account holders)
• Complimentary overdraft protection
• Relationship rewards
• Online and Mobile banking

Checking Account Features

Check out the benefits that come with our free checking account.

No Monthly Maintenance Fee

Why pay for a checking account? It’s your money...you should keep it! At San Francisco Federal Credit Union there is no charge for opening or maintaining a checking account.

No Minimum Monthly Balance Requirements

Our goal is to help you enhance your financial well-being, which is why we don’t put restrictions on our accounts. You are not required to keep a minimum balance in your free checking account each month.

Reimbursement on ATM Fees

While you can access your funds through 29,000 surcharge-free ATMs and CO-OP Shared Branch Centers across the U.S. and Canada, you can also get reimbursed for ATM fees outside of our network, up to five ATM fees per month.

Relationship Rewards

Earn rewards just for being a member. Discounts on travel, entertainment, and medical expenses are just another reason to let us help you manage your finances. Click here to review our relationship rewards.

Complimentary Overdraft Transfer Protection

With Complimentary Overdraft Transfer Protection you can set up funds to automatically transfer from your savings account to your free checking account to cover overdraft transactions at no cost!

Request Information or Open Account

Online Banking

Click here to learn about our Online & Mobile Banking features.

Frequently Asked Questions

Does it cost anything to open a checking account?

Our checking accounts are free of charge to open.

How long does it take to receive my debit card and checks?

It takes 7 to 10 business days to receive both checks and debit cards.

Is there a minimum amount that I need to keep in the account?

No. Our checking account does not require a minimum daily balance.

What is my routing number?

321076441

How do I transfer money into my free checking account?

You can transfer funds through our amazing App (which you can download for your iPhone or Android), call our Service Center and transfer over the phone (415-775-5377) or come into one of our convenient locations and one of our team members will process the transaction for you.

Resources for Account Holders

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.

• Report a lost or stolen debit card.
• Protect yourself while traveling.

For more information on Card Security, including reporting lost/stolen San Francisco Federal Credit Union Debit or Credit Cards, please view our Privacy and Security information.

*San Francisco Federal Credit Union will reverse up to five foreign ATM fees per month depending on your account and loan balances on checking accounts opened on or after November 1, 2014. A foreign ATM is a U.S.-located ATM that is neither on the CO-OP network nor operated by SFFedCU.

**Requires member to link a deposit and/or open end line of credit or VISA account to cover an overdraft. Transfers from deposit accounts occur in multiples of $50, transfers from line of credit or VISA occur in multiples of $100. Advances are governed by the terms of the applicable deposit account agreement or loan agreement.