Steven, owner of Ciara West Equestrian.
Putting him first since 2015.

Business Fee Schedule

We believe in ethical banking, which means being as fair and transparent as possible.

Membership Fees

Fee Description Amount
Membership (non-refundable) $5.00

ATM & Debit Fees

Fee Description Amount
Use of SF Fire Credit Union ATMs No Fee
Use of CO-OP Network ATMs No Fee and No ATM Surcharges
ATM Surcharge Rebates Up to 12 per Month, Up to $4 per Rebate
Use of 'Out-of-Network ATMs No Fee and Up to 12 Surcharge Rebates per Month
Point of Sale (POS) Transactions & Cash-Back at Retailers No Fee
Foreign Currency Exchange No Fee
Replacement Card $5.00
Copy of Debit Card Transaction Slip $5.00
ATM Deposit Adjustment Fee $10.00

Checking Fees

Fee Description Amount
Checking Account No Monthly Fee
Check Orders Priced Based on Style
Temporary Checks $2.00 per set of 12
Deposits per Month up to 10 No Fee
Deposits per Month over 10 $2.00 per Deposit
Items per Deposit up to 25 No Fee
Items per Deposit over 25 $0.10 per Item
Paid Items per Month up to 200 No Fee
Paid Items per Month over 200 $0.20 per item

Non Sufficient Funds (NSF) Fees

Fee Description Amount
Returned ACH Item $25.00
Returned Check Item $25.00
Paid NSF ACH Item $25.00
Paid NSF Check Item $25.00
Paid NSF Debit Card Transaction (Op-In Required) $25.00

Stop Payment Fee

Fee Description Amount
Check $15.00
ACH Payment $15.00
Cashier Check $15.00
Official Check Replacement $15.00
Stop Payment or Replacement Cancellation $15.00

Returned Item Fees

Fee Description Amount
Returned Deposit or Loan Payment $15.00

General Fees

Fee Description Amount
Account Research/Reconciliation $25.00 per Hour
Official Check No Fee
Collection Item/Foreign Item $15.00 + Cost
Express Mail/Rush/Overnight (Domestic) $15.00
Express Mail/Rush/Overnight (International) Price Based on Destination
Inactive Account Fee (After one year of inactivity, if the aggregate deposit balance is $500 or less) $5.00 per Month
IRS Levy/Withholding, Judgement/Legal Order Processing $50.00 per Notice
Money Order No Fee
Notary Service (Members) No Fee
Notary Service (Non-Members) $15.00 per Signature
Signature Guarantee (Medallion Stamp) No Fee

Wire Transfer Fees

Fee Description Amount
Domestic (Incoming & Outgoing) $15.00
International (Incoming) $15.00
International (Outgoing) $60.00
Wire Amendment Fee $25.00

Certificate of Deposit Fees

Fee Description Amount
Withdrawal Term less than 1 Year 45-Days Dividend
Withdrawal Term of 1 Year or Greater 180-Days Dividend

Credit Card Fees

Fee Description Amount
Cash Advance No Fee
Balance Transfer No Fee
Foreign Currency Exchange No Fee
Late Payment $15.00
Over Credit Limit No Fee
Copy of Credit Card Transaction Slip $5.00
Authorized User Card $5.00
Replacement Card $5.00

Let's Talk

We want to get to know your business and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.


(415) 674-4800
(888) 499-FIRE (3473)
Mon – Fri 7:00 AM – 7:00 PM
Sat 9:00AM - 5:00PM


Stop by a branch

Branch hours
Mon – Fri 9:30 AM – 5:30 PM
Saturday 10:00 AM – 2:00 PM

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