Welcome Bonus

Committed to keeping your money safe

Open an account and set-up direct deposit to receive your cash bonus*. Enter promo code: bonus300.

Checking Account Benefits

Early Pay


How to get your cash bonus

  1. OPEN
    Open a new checking or savings account and enter promo code: bonus300.
    Set up direct deposits of at least $1,000 or more within the first 30 days of account opening. Maintain direct deposit for at least 90 days.

    Monthly  Direct Deposit Totals  Cash Bonus
    $1,000 – $4,999.99 $100
    $5,000 or more $300
  3. ENJOY
    Once the qualifying direct deposits have been received, you'll be eligible to receive a cash bonus of up to $300!

Apply Online

You can also call us at (415) 674-4800 or stop by a branch.

Serving the Bay Area for Over 70 Years

Our products and services are designed to provide great benefits and financial security. As a member-owned, not-for-profit cooperative, we prioritize the well-being of our members above everything else. We were built by firefighters, but are open to the community.

Deposits in SF Fire Credit Union are insured by American Share Insurance, the largest provider of private share insurance. Each SF Fire Credit Union deposit and certificate account is insured up to $250,000. SF Fire Credit Union is not insured by any state or federal government.


Eligibility Requirements

  • This offer is for new checking and/or savings account holders only.
  • You are not eligible for this offer if:
    • You are a current checking and/or savings account holder.
    • You have previously received a bonus for enrolling in direct deposit.

Bonus Requirements:

  • Open a new SF Fire Checking and/or Savings account and set-up direct deposit within 30 days of account opening.
    • The bonus amount will vary based on the total amount of qualifying direct deposits received during a 30-day period (the “Assessment Period”).
      • Monthly direct deposit totals $1,000-$4,999.99 receive $100 cash bonus.
      • Monthly direct deposit totals $5,000 or more receive $300 cash bonus.
    • A qualifying direct deposit transaction is an ACH automatic electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Payments/transfer between accounts are not considered a direct deposit.
  • Maintain direct deposit for a minimum of 3 months (90 days) after first direct deposit transaction.

Bonus Payment:

  • Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements and will deposit any earned bonus into your new checking and/or savings account within 15 days.
  • You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor.

Offer expires May 31, 2023. However, offer may be discontinued or changed at any time prior to the expiration date without notice.

*APY=Annual Percentage Yield. 0.02% APY rate applies to Tiered Savings Accounts under $49,999 as of 4/28/2022. A minimum positive balance of $0.01 is required to earn dividends, calculated at the specified rate for a given period. APY is variable and subject to change at any time. Your interest rate may change after the account is opened.

1 Rebates are automatically posted to your account within two business days. We automatically rebate international surcharge fees, but in cases where the fees do not get reimbursed due to processing differences on some out-of-country networks or ATMs, please retain a copy of your receipt so that we can process any rebate of a surcharge that fails to refund automatically. The receipt must be presented no later than 60 days after the transaction cycle ending date of the SF Fire Credit Union account statement on which the transaction appears. Please note that any exchange fees do not qualify as ATM surcharges, and a surcharge must be clearly identified on your receipt for us to process the refund if it doesn't automatically appear in your account.
2 Early Direct deposit funds will be available up to one business day early.