Savings & Checking

SFPCU Student Loans

Checking

Account Choices

Global ATM Checking

no atm fee iconGoodbye Fee. Hello Free. Now you can enjoy the freedom to use any ATM anywhere you are—if another institution charges you, we refund the fees.* All you need is an SFPCU Checking Account with Direct Deposit.

Features and Benefits


* SFPCU will refund ATM surcharges up to $3.00 per out of network ATM transaction. You must have an SFPCU Checking Account in good standing and a Direct Deposit posted to your Checking monthly. A Direct Deposit can include payroll (i.e. ACH and payroll deductions), transfers from other financial institutions, pension, or Social Security.  

Rates and Fees

Global ATM Checking - Current Rates

Effective April 1 , 2014

ACCOUNTMIN. TO OPENMIN. TO EARN APYTERMDIVIDEND RATEANNUAL PERCENTAGE YIELD
Global ATM Checking$25NONENONE0.10% 0.10%

To view the Fee Schedule Click Here

Checking Routing Number: 321076496

**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.

Apply Now

If you currently have..Products Needed to Upgrade to Global ATM Checking
SFPCU Checking with a Direct Deposit payment already posted to CheckingNONE! You're automatically upgraded.
SFPCU Checking onlyYou need Direct Deposit to upgrade:
Download a Direct Deposit form here and turn in the completed form with your SFPCU Checking Account to your employer.
You may want to check with your employer if a specific direct deposit form is required.
SFPCU Savings only

You need SFPCU Checking with Direct Deposit to upgrade:

  1. Apply Online for an SFPCU Checking Account, sign up at any of our branches or contact us at 800.222.1391 to get started.
  2. Download a Direct Deposit form here and turn in the completed form with your SFPCU Checking Account to your employer.

You may want to check with your employer if a specific direct deposit form is required.

Not a current SFPCU memberBecome a member today and be sure to sign up for SFPCU Checking with Direct Deposit. Click here for information on how to become an SFPCU member. 

SFPCU Checking

Our SFPCU Checking Account allows you to earn dividends with no monthly service charges and no direct deposit requirements. With safe and easy account access, you'll have more time and money to spend on the things that matter to you most.

Features and Benefits

 

Rates and Fees

SFPCU Checking - Current Rates

Effective April 1 , 2014

ACCOUNTMIN. TO OPENMIN. TO EARN APYTERMDIVIDEND RATEANNUAL PERCENTAGE YIELD
SFPCU Checking$25NONENONE0.10% 0.10%

To view the Fee Schedule Click Here

Checking Routing Number: 321076496

**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.

Apply Now

  1. Complete the Online Account Application -  Apply Online
  2. Call us at 800.222.1391
  3. Apply in person by visiting a Financial Services Representative at any of our branch locations.

Not a current SFPCU member? Click here for information on how to become an SFPCU member.

Business Checking

SFPCU offers a Small Business Checking Account designed to meet the needs of members who are small business owners. The Business Checking Account charges no per check charges.

Features and Benefits

 

Rates and Fees

Business Checking - Current Rates

Effective April 1 , 2014

ACCOUNTMIN. TO OPENMIN. TO EARN APYTERMDIVIDEND RATEANNUAL PERCENTAGE YIELD
Business Checking$25NONENONE0.00% NONE

To view the Fee Schedule Click Here

Checking Routing Number: 321076496

**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 267kb) for more information.

Apply Now

To apply for your SFPCU Business Checking Account, please call us at 800.222.1391, or apply in person by visiting a Financial Services Representative at any of our branch locations.

Not a current SFPCU member? Click here for information on how to become an SFPCU member.

Balance™ Checking

Sometimes we all need a fresh start, and this account will give you just that. Balance Checking offers you an opportunity to reestablish your checking account history and features ATM access and no minimum balance requirements.

Features and Benefits

 

  • No 'per check' fees or minimum balance requirements
  • Online Banking, Mobile Banking, Bill Pay and E-statements 
  • Access to ATM Withdrawals
  • First box of checks FREE!
  • FREE 24/7 Telephone Transaction Line - MemberLink 
  • Access to over 30,000 fee-free ATMs nationwide through the CO-OP Network and Bank of the West ATMs, and over 5,000 Shared Branch locations where you can make deposits and withdrawals. Click here to find a fee-free location near you.
To qualify you must be at least 18 years of age and have established an SFPCU Savings Account in good standing. There can be no previous records of fraudulent activities or outstanding balances with another financial institution or SFPCU.

Rates and Fees

Balance Checking - Current Rates

Effective April 1 , 2014

ACCOUNTMIN. TO OPENMIN. TO EARN APYTERMDIVIDEND RATEANNUAL PERCENTAGE YIELD
Balance Checking$25NONENONE0.00% NONE

To view the Fee Schedule  Click Here

Checking Routing Number: 321076496

**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.

Apply Now

To apply click here to take the online course on "Checking Account Management" and show your completion certificate to an SFPCU staff member who will help you get started.

Not a current SFPCU member? Click here for information on how to become an SFPCU member.

Compare Accounts

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  Global ATM Checking   SFPCU Checking Business Checking BalanceSM
Checking 
Unlimited ATM Fee Rebates*

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Earns Dividends

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First Box of Checks FREE!

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Online Banking, Mobile Banking, Bill Pay and E-statements  

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MasterCard® Debit Card 

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No Minimum Balance to Maintain Account

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Access to Over 30,000 Surcharge-Free ATMs Nationwide through the CO-OP Network 

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Access Your Account and Perform Transactions at Over 9,000 Shared Branching Locations

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No Monthly Fees

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$10

Checking Routing Number: 321076496

* SFPCU will refund ATM surcharges up to $3.00 per out of network ATM transaction.You must have an SFPCU Checking Account in good standing and a Direct Deposit posted to your Checking monthly.
** ATM Access Only

 

Switch to SFPCU Checking

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How to Make the Switch to Smarter Checking

Ready to make the switch to an SFPCU checking account? Here are some simple steps to help you along the way.

1. Choose Your Account

With so many great options, pick the SFPCU account that fits your needs. Click here to check out our convenient Checking Account options.

2. Set up Direct Deposit

Get convenient access to your income, set up direct deposit into your new SFPCU checking account. Download and complete the appropriate direct deposit form below. If you are not employed by the City and County of San Francisco, please download the generic form or ask your HR Department for your company's Direct Deposit Authorization form.

3. Change Automatic (Electronic) Payments

Move over any automatic payments previously set up with your old account. Simply download and complete the Automatic Payments form below and send it to each business or organization you had set up any recurring electronic payments with (such as health club fees, insurance, or internet service provider fees).

4. Close Your Old Account

Close your old account and say so long monthly service fees! If you would like to close your old Checking Account, download and complete the Account Closing Request form below and send it to your old financial institution. Please make sure to wait until all outstanding checks and automatic payments have cleared through your old account before closing.

5. Get the Most From Your SFPCU Membership!

Check out the many great financial products and services available exclusively for our members.