FREE CHECKING

We offer the best checking account in the Bay Area

No matter where you go, you should have fee-free access to your money. Our ATM Anywhere advantage lets you do just that.

Checking You Can Count On

 

Your checking account should be simple, free, and one that you can count on. No matter where you go, you should have fee-free access to your money. Our ATM Anywhere advantage lets you do just that. You've worked hard for your money. Stop paying to access it.

A checking account is an indispensable thing to have. You use it to pay for things you need like rent and utilities. And for things you enjoy, like dinner with friends or streaming services. It's your checking account and it should work for you.

At SF Fire Credit Union, we put our members first. Which is why our checking account is different than big banks like Bank of America or Wells Fargo.

The Customer Approach

With big banks, you're a customer, not a member. And the difference is pretty obvious when you look at where your money is going.

Bank of America Advantage Plus Checking1

 

Monthly Fee: $12.00

Minimum to Open: $100.00

ATMs Nationwide: 16,200

Out-of-Network Fee: $2.50, plus any fee charged by the ATM operator.

Wells Fargo Preferred Checking2

 

Monthly Fee: $15.00

Minimum to Open: $25.00

ATMs Nationwide: 13,000

Out-of-Network Fee: $2.50, plus any fee charged by the ATM operator.

The Member-First Advantage

 

SF Fire Credit Union is a not-for-profit financial institution, owned and operated by our members (you!).

With our checking account, you'll get access to the Credit Union industry's Co-Op Network of 30,000 ATMs nationwide. Which is more than Bank of America and Wells Fargo combined.

And should you ever have to use an out-of-network ATM, we'll refund up to 12 ATM surcharge fees per month (up to $4 per transaction). That's up to $576 a year!

Plus, there's no minimum balance, no monthly fee, free overdraft protection, free bill pay, no foreign transaction fees. It's easy to see why we say we have the Bay Area's best checking account.

Become a member today, and come home to where the Bay Area banks.

 

Discover More

CAR LOANS

Ready to put rubber to the road?

If there's a new, used, or refinanced auto in your future, we have speedy finance options to get you where you want to go.

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HOME LOANS

Get the mortgage you deserve

Our great rates, local expertise, and member-first service make us the best choice for your mortgage.

Let's Talk

As a local credit union, we want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.

Call or Chat

(415) 674-4800
(888) 499-FIRE (3473)
Mon – Sat 7:00 AM – 8:00 PM*

*Please note that 'After Hours Phone Support' is available outside of regular Contact Center Hours.

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Branch hours
Mon – Fri 8:30 AM – 6:00 PM
Saturday 8:30 AM – 3:00 PM

Find a Branch or ATM

  1. Bank of America will waive the fee if one of the following requirements are met during each statement cycle:
    • Have at least one qualifying direct deposit of $250 or more made to the account.
    • Maintain a minimum balance of $1,500 or more in the account.
    • Enroll in the Preferred Rewards program and qualify for the Gold, Platinum, or Platinum Honors tier.
  2. Wells Fargo will waive the monthly fee if one of the following requirements are met during each statement period:
    • $10,000 or more in combined deposit balances.
    • Direct deposits totaling $1,000 or more.
    • A linked Wells Fargo home mortgage.