In your busy life, you need a checking account that doesn’t slow you down with annoying fees when you use an ATM out of the SFPCU or CO-OP networks. SFPCU believes convenience shouldn’t cost you extra, so we offer a Checking Account that refunds fees from any institution’s ATMs when you set up Direct Deposit. 

There’s no monthly service charge, no direct deposit requirements and no hassle. Your time is valuable. Your checking account should be, too. We’re the California police and fire credit union providing a checking account that enhances our first responder members’ lives in the San Francisco Bay Area and beyond.

Open Your Account Switch to SFPCU Checking

Features & Benefits

  • Up to 10 ATM fee rebates per month when you use another financial institution's ATM*
  • Dividends earned and paid monthly
  • $25 to open your account
  • Access to online banking and all features such as Online Check Deposits, Mobile Banking, Bill Pay and E-statements
  • Overdraft protection
  • Free MasterCard® debit card
  • Free first box of checks
  • 24/7 access to MemberLink, SFPCU’s telephone transaction line
  • Fee-free access to more than 30,000 ATMs nationwide through the CO-OP Network plus more than 5,000 shared branch locations to make deposits and withdrawals

*SFPCU will refund ATM surcharges up to $3 per out-of-network ATM transaction. You must have an SFPCU Checking Account in good standing and a Direct Deposit posted to your Checking Account monthly.
Rates Effective: December 1, 2018
AccountMin. to OpenMin. to Earn APYTermDividend RateAPY
Current Fee Schedule

Rates/yields may change after you open your account. Fees could reduce earnings on the account. Call for current rates at 415.564.3800 or 415.242.2142 - MemberLink. Above anticipated rates are subject to availability of funds. Dividends are calculated on the Daily Balance and paid monthly. Terms and conditions apply, see About Your Accounts (pdf 267 kb) for more information. Open your SFPCU Checking Account today through online account application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branch locations.

Open your Checking Account today through our online account application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branch locations.