Nehemiah, international photographer.
Putting him first since 2012.

Free Checking

Free checking you can count on

We offer the Bay Area’s best checking account. No minimum balance, no monthly fee, and up to 12 ATM surcharge rebates per month.

Why SF Fire Checking?

$0
$0
Free

You work hard for your money. Put it to work for you with our smart, reliable personal checking account. No monthly fees, and you'll also enjoy advanced features like free bill pay, overdraft protection, and more.

SFFire Comparison Table
  SF Fire Credit Union

Bank of America1

ATM Surcharge Rebates
SF Fire Credit Union
Up to 12 per month
Bank of America
Nope
Monthly Charge
SF Fire Credit Union
$0
Bank of America
$12
ATM Fee (out of network)
SF Fire Credit Union
$0
Bank of America
$2.50
Direct Deposit Required?
SF Fire Credit Union
No(that's a good thing)
Bank of America
Yes
NSF Fee
SF Fire Credit Union
$25
Bank of America
$35
Stop Payment Fee
SF Fire Credit Union
$15
Bank of America
$30
Money Order
SF Fire Credit Union
$0
Bank of America
They don't tell you in advance
Minimum Balance
SF Fire Credit Union
$0
Bank of America
$100

Our Services

FREE ATM ANYWHERE

Access any ATM free of charge

Stop paying to get your money. We automatically rebate up to 12 ATM surcharge fees per month (up to $4 per rebate) for our members.

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FREE OVERDRAFT PROTECTION

Avoid costly overdraft fees

Get free overdraft protection when you link your Savings or Credit Card account(s), and say goodbye to bounced checks. Usage-based interest charges may apply depending on your choices.

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MOBILE DEPOSIT

Deposit checks from anywhere

Make a deposit in seconds using our app, available for both iOS and Android.

Note: Some restrictions may apply.

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NO MINIMUM BALANCE, MONTHLY FEE, OR DIRECT DEPOSIT REQUIREMENTS

Stop worrying about minimum balances

With no monthly fees or deposit requirements, our checking account works for you. Some transactional-based fees may apply. See fee schedule for details. 

NO FOREIGN TRANSACTION OR CURRENCY EXCHANGE FEES

Travel with confidence

Get peace of mind and save money on your next overseas trip with no currency exchange or foreign transaction fees.

 

 

DIGITAL WALLET

Pay with a touch of your phone

Use your Digital Wallet to make purchases at participating merchants who accept Apple Pay, Google Pay, or Samsung Pay. It’s quick, easy, and secure.

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CARD MANAGEMENT

Control your card from anywhere.

Use the Card Management feature in Online or Mobile Banking to set up real-time authorization alerts, and turn the card on or off at any time.

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EARLY DIRECT DEPOSIT

It’s your money. Why wait?

Get your direct deposit up to one business day early.

Frequently Asked Questions

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Thomas, Rugby Pro.
Putting him first since 2010.
PLATINUM VISA CREDIT CARD

Say goodbye to credit card fees

Get the card that cuts out the fees while giving you rewards, overdraft protection, and lower rates.

Learn More
descriptive image alt text
Thomas, Rugby Pro.
Putting him first since 2010.
Will & Kristin, proud senior dog parents.
Putting them first since 2005.
BALANCE YOUR CHECKING ACCOUNT

5 tips on how to keep your account healthy

A checking account is pretty much a necessary aspect of modern life. It's also equally necessary to make sure you keep your checking account health. These 5 simple things can help you do just that. 

Learn More
descriptive image alt text
Will & Kristin, proud senior dog parents.
Putting them first since 2005.

Let's Chat

As a local credit union, we measure our success one member at a time. 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

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

 

Stop by a branch

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

Find a Branch or ATM

1Bank of America fees as of 4/3/2020