Basic Checking Account
The Full-Service Checking Account You Deserve - for Free!
Quality, affordable banking right where you live!
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.
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
No Minimum Deposit Required for Opening
Open your account for free and start enjoying the benefits!
Access to Over 30,000 ATMs
Get cash when you need it at no cost nationwide.
VISA® EMV Chip Debit Card
Fast, convenient debit card purchases everywhere.
Complimentary Overdraft Protection
Top off your account with free transfers from your savings.
Check Writing Privileges
Pay at your convenience with our paper check writing service.
Member Discounts
Account holders get rewards for travel, entertainment, and more!
Open Your Basic Checking Account in 3 Easy Steps!
Select Your Eligibility
Membership is open to a wide range of San Franciscans.
01
Select Your Checking Product
Choose the checking account you would like to use.
02
Review & Finish Your Application
Complete your application online or in person.
03
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.
Member Reviews
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.
