Are you already a member? Log into Online Banking or click here to open an account.

A Free Checking Account With Everything You Need

Our basic checking account unlocks the full benefits of membership at no cost to you. Make direct deposits, manage your cash, and make easy payments wherever you are.

Sign up for a San Francisco Federal Credit Union checking account today. Because you belong here.

A woman manages her finances on the go with a credit union checking account.

It’s Community Banking with Benefits!

Life in the city just got a little better with free checking to cover all your basic banking needs.

No Monthly Maintenance Fees

Lower the cost of your banking with no monthly service fee.

No Minimum Monthly Balance Requirement

Manage your checking account your way.

Access to Over 30,000 ATMs

Need cash? Make free ATM withdrawals nationwide.

Mobile and Online Banking

Our full range of banking services is at your fingertips.

Additional Features of San Francisco Federal Credit Union Checking Accounts

Open Your Basic Checking Account in 3 Easy Steps!

01

Select Your Eligibility

Membership is open to a wide range of San Franciscans.

02

Select Your Checking Product

Choose the checking account you would like to use.

03

Review & Finish Your Application

Complete your application online or in person.

The Golden Gate Bridge and San Francisco skyline

Why Choose San Francisco FCU?

At San Francisco Federal Credit Union, we’re people helping people. We’ve been proudly serving the communities of San Francisco and San Mateo County for nearly 70 years. 

With a full range of banking products and services, we pride ourselves on making a difference in the financial lives of our members and dedicating time and resources to improving our communities.

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Basic Checking Account FAQ

Our checking accounts are free of charge to open.

No. Our checking accounts include no minimum daily balance.

Avoid overdraft fees by signing up for our overdraft protection service. This service automatically transfers funds from your savings account to cover unexpected withdrawals from your checking account at no cost.

No, you have no-cost access to over 30,000 surcharge-free ATMs nationwide.

Related San Francisco FCU Products

A young woman excitedly manages her second chance checking account from her smartphone.

Second Chance Checking Account

An account designed to help you turn things around with an opportunity for a fresh start at rebuilding your banking history.
Female Pediatrician Wearing Scrubs Listening To Girls Chest With Stethoscope In Hospital Office

HSA Checking Account

Save for future medical expenses with tax-deductible contributions. Withdrawals for qualified expenses are also tax-free.
Young beautiful happy family relaxing at home

Regular Savings Account

Unlock membership benefits and become a part-owner of SFFedCU when you open our no-deposit, tiered dividend rate savings account.

CONTACT US

How Can We Support You?

We love hearing from you. Reach out to us online or visit one of our convenient branches in the Bay Area.

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