Be in the know

You have sev­er­al options, whether online or in-person.

Online Options:

Apply online here. You’ll need an active check­ing account with rout­ing and account num­ber to fund the mem­ber­ship fee and any ini­tial deposit. You’ll also need to be able to pro­vide sup­port­ing doc­u­men­ta­tion to prove your eligibility.

In-per­son Options:

You can apply for mem­ber­ship at any of our four branch­es. You’ll need:

• $5 mem­ber­ship fee
• Pho­to ID
• Proof of eli­gi­bil­i­ty (if not estab­lished by your address on the ID)

If you’re open­ing a mem­ber­ship with at least one joint own­er, or a busi­ness account with mul­ti­ple autho­rized users, you don’t have to come in all togeth­er. But you will need to bring copies of ID for every­one who will be on the account, and a pre-filled mem­ber­ship appli­ca­tion, includ­ing sig­na­tures. You can down­load a mem­ber­ship appli­ca­tion pack­et here.

Fax:

You can fax your appli­ca­tion, pho­to ID, and any nec­es­sary sup­port­ing doc­u­ments to 415.674.4691. You’ll need to pro­vide a sep­a­rate deposit of the mem­ber­ship fee (such as by mailed check or an in-per­son deposit) before your mem­ber­ship can be finalized.

Email:

Please call or chat with our Con­tact Cen­ter to set up a link to the Bar­racu­da encrypt­ed email sys­tem. You can use this to email the appli­ca­tion pack­et, pho­to ID, and any nec­es­sary sup­port­ing documents.

You’ll need the fol­low­ing infor­ma­tion dur­ing the appli­ca­tion process:

Proof of Residency

The fol­low­ing doc­u­ments are accept­able proof of res­i­den­cy (dat­ed with­in the last 45 days). ONE doc­u­ment from this list is suf­fi­cient.

• Home Util­i­ty Bill (cable, phone, inter­net – does not include cell phone)
• Exist­ing Car or Boat Registration
• Rental or Lease Agree­ment (signed by own­er and tenant)
• Vot­er Reg­is­tra­tion (Pack­et received in the mail)
• Change of Address con­fir­ma­tion by the U.S. Postal Service
• Jury Sum­mons or Court Order
• Deed or Title to Res­i­den­tial Real Property
• Prop­er­ty Tax Bill or Statement

If you can’t pro­vide one of the doc­u­ments above, you can pro­vide TWO of the fol­low­ing doc­u­ments to sat­is­fy the Proof of Res­i­den­cy require­ment.

• Cell Phone Bill
• Med­ical Documents
• Employ­ment Doc­u­ments (W‑2’s, Pay Stubs, Offer Letters)
• Insur­ance Documents
• Bank and Finan­cial Insti­tu­tion Records
• Mort­gage Bill (ex. HOA Dues State­ments, HOA Mas­ter Insur­ance Pol­i­cy, etc)
• IRS or Cal­i­for­nia FTB Tax Return
• Doc­u­ment issued by a Gov­ern­ment Agency (local, state, fed­er­al): ex. SSI award letters
• Orig­i­nal Copy of an Approved Claim for Home­own­ers’ Prop­er­ty Tax Exemp­tion (BOE-266) Form filed with a local Cal­i­for­nia Coun­ty Assessor
• School Doc­u­ments (includes Date of Birth) such as Proof of Pay­ment of Res­i­dent Tuition at a Pub­lic Insti­tu­tion of High­er Edu­ca­tion in California
• A No Fee Iden­ti­fi­ca­tion Card Eli­gi­bil­i­ty Ver­i­fi­ca­tion (DL933) form, com­plet­ed and signed
• Let­ter attest­ing that the appli­cant lives in a CA shel­ter, non-prof­it enti­ty, faith-based orga­ni­za­tion, employ­er or US. Gov­ern­ment agency

Proof of Eligibility

• Valid unex­pired gov­ern­ment-issued form of pho­to iden­ti­fi­ca­tion (e.g. driver’s license, pass­port, state iden­ti­fi­ca­tion card)
  Please note: if the address on your license does not match your cur­rent address, we will need proof of res­i­den­cy as men­tioned above
• Proof of Eli­gi­bil­i­ty to join the cred­it union (you must be able to prove that you live, work, wor­ship, or attend school in San Fran­cis­co, San Mateo or Marin Coun­ty.) If your ID does not show this, you can pro­vide a pay stub or let­ter from your com­pa­ny on com­pa­ny let­ter­head, or for stu­dents, your School Reg­is­tra­tion or a Valid Stu­dent ID Card for San Fran­cis­co, San Mateo, or Marin County.
• Social Secu­ri­ty Num­ber or Tax­pay­er Iden­ti­fi­ca­tion Number
• In-branch Appli­ca­tions: Cash or check for both fund­ing your new account and your one-time $5 mem­ber­ship fee

If you’re open­ing a Trust Account, this account can only be opened in per­son at one of our branch­es, by fax, or by mail. You’ll need to pro­vide copies of the Trust Doc­u­ments or the Cer­ti­fi­ca­tion of Trust. To change an exist­ing SF Fire Account to a Trust Account, you will need to com­plete a new mem­ber­ship application.

If you belong to any one of the fol­low­ing groups, you are eli­gi­ble for mem­ber­ship at SF Fire Cred­it Union:

• Indi­vid­u­als who live, work, wor­ship, or attend school in San Fran­cis­co, San Mateo, or Marin Coun­ty
• San Fran­cis­co Fire­fight­ers (Active or Retired)
• Fire­fight­ers in San Fran­cis­co, San Mateo, or Marin Coun­ty (Active or Retired)
• Mem­bers and Employ­ees of Local IAFF 1171 – San­ta Clara City Firefighters
• Active mem­bers of the Cal­i­for­nia State Fire­fight­ers’ Association
• Fam­i­ly of SF Fire Cred­it Union mem­bers (Spous­es and Domes­tic Part­ners; Par­ents, Grand- and Great-Grand Par­ents, Chil­dren, Grand- and Great-Grand Chil­dren; Sib­lings; Fathers‑, Mothers‑, and Sib­lings-in-Law; and the Spous­es, Domes­tic Part­ners and Chil­dren of the fam­i­ly mem­bers listed.)

There is a one-time $5 mem­ber­ship fee. This is per mem­ber; if you open an indi­vid­ual mem­ber­ship and an addi­tion­al joint mem­ber­ship where you are the pri­ma­ry own­er, you would pay just one $5 mem­ber­ship fee. If you and your part­ner each open indi­vid­ual mem­ber­ships, you would each pay a $5 mem­ber­ship fee.

Please com­plete a Mem­ber­ship Appli­ca­tion and return with pho­to IDs for you and any joint own­ers who will be on the mem­ber­ship. As long as you are the pri­ma­ry mem­ber, no proof of eli­gi­bil­i­ty nor mem­ber­ship fee is required. You can return the pack­et to any branch or send it to us via Secured Mes­sage (which has a lim­it of 3 attached files per mes­sage). You can also send it to us by fax at 415.674.4691. If you want to email the paper­work back, please call or chat with our Con­tact Cen­ter, and we can pro­vide you with a link to the Bar­racu­da encrypt­ed email ser­vice to allow you to email the paper­work securely.

The rout­ing num­ber is iden­ti­cal for all SF Fire Cred­it Union accounts: 321076506. You can find the rout­ing num­ber dis­played in the bot­tom right hand cor­ner of most pages with­in Online Bank­ing. You’ll also find it in the teal box that appears at the bot­tom of many pages on this pub­lic website.

You’ll find your check­ing account num­ber on the bot­tom of your checks. If you don’t have your checks with you, you can find it in Online Bank­ing. From the Online Bank­ing Dash­board, click on your check­ing account. This opens a sep­a­rate pan­el that shows your recent trans­ac­tion his­to­ry.  At the top of the list of trans­ac­tions, you will see a link that says Account Details. Click on this link, and the dis­played infor­ma­tion will change. The account num­ber for a check­ing account is a four­teen-dig­it num­ber, list­ed as the “MICR Account Number”.

Exam­ple

From the Dash­board in Online Bank­ing, click on your sav­ings account. This opens a sep­a­rate pan­el that shows your recent trans­ac­tion his­to­ry. At the top, click on the Account Details link. Your Sav­ings Account num­ber will be your mem­ber num­ber fol­lowed by a 4‑digit prod­uct ID num­ber; for exam­ple, if you have a Tiered Sav­ings, you’ll see your mem­ber num­ber, a dash, and 0005.

Exam­ple

To open an addi­tion­al check­ing or sav­ings account, please send us a Secured Mes­sage with the details of the account you want:

• Account Type: (check­ing, Tiered Sav­ings, Term Certificate)
• Amount to deposit: ($250 min­i­mum for a Term Certificate)
• For a Term Cer­tifi­cate, the term you want: 3 Months, 6 Months, etc.
• The exist­ing account from which you want to trans­fer funds to the new account

For a check­ing account, please also com­plete and attach the third page of a Mem­ber­ship Appli­ca­tion pack­et to indi­cate your choic­es regard­ing Over­draft Pro­tec­tion and Cour­tesy Pay.

To send a Secured Mes­sage, click on your name and icon in the upper right hand cor­ner to open a menu, then click Messages.

6 Trans­fers Per Cal­en­dar Month

Based on the require­ments of Fed­er­al Reg­u­la­tion D, you are lim­it­ed to 6 elec­tron­ic or remote trans­fers out of a Sav­ings or Tiered Sav­ings account per cal­en­dar month. Once you reach this lim­it, you will not be able to trans­fer from your sav­ings accounts via Online & Mobile Bank­ing, and any trans­fers you sched­uled ahead of time will fail.

Which Trans­fers Count Towards Reg­u­la­tion D

The fol­low­ing trans­fers out of Sav­ings or Tiered Sav­ings accounts are lim­it­ed by the Reg­u­la­tion D limit:

• One-time or Recur­ring Trans­fers Sched­uled in Online & Mobile Banking
• Trans­fers Ini­ti­at­ed via Phone or Live Web Chat
• Over­draft Pro­tec­tion Trans­fers to a Check­ing Account
• Auto­mat­ic Deb­its by Mer­chants or Oth­er Finan­cial Institutions

 Options for Addi­tion­al Transfers

• Trans­fer Funds in Our Branches
• Trans­fer Funds at an ATM

Please note that the Reg­u­la­tion D lim­it applies to indi­vid­ual accounts, not your mem­ber­ship. If you have mul­ti­ple sav­ings accounts, you can make up to 6 trans­fers from each sav­ings account per cal­en­dar month.

Reg D is a fed­er­al rule from the Fed­er­al Reserve Board.

Any invest­ments you have set up through our Invest­ment Ser­vices depart­ment are accessed through a sep­a­rate Invest­ments tool, or ‘wid­get’, rather than appear­ing on your Dash­board with your deposit and loan accounts. You can add this wid­get through Online Bank­ing by choos­ing it from the list of avail­able options. You can reach this list in two ways:

• Click on Set­tings from the menu linked to your pho­to and User­name in the upper right, then click on the Wid­gets tab
• Click “More …” from the list of wid­gets on the Dash­board and then select­ing “Wid­get Options.”

Once you find the Invest­ments wid­get in the list of avail­able options, click “Acti­vate” to add it to your active wid­gets. You can also click the star icon to make it a ‘favorite’ — one of the top 5 wid­gets that auto­mat­i­cal­ly appear on your Dashboard.

After adding and open­ing the Invest­ments wid­get, if you still don’t see your invest­ment account infor­ma­tion, please con­tact us and our Invest­ment Ser­vices depart­ment can make sure your accounts are prop­er­ly linked.

Yes. If you have an active account you don’t want to see list­ed in Online Bank­ing (maybe you’re a joint own­er on a child’s account or maybe it’s an old­er account you don’t use often), you can Hide the account. This will pre­vent the account from appear­ing in the Dash­board, Accounts, Trans­fers, and Bill Pay wid­gets. Don’t wor­ry; you won’t lose any trans­ac­tion data and it will all still be there should you decide to come back and un-hide this account.

1. From the Dash­board, click on the desired account
2. In the pan­el that opens, click the pen­cil icon next to the account name
3. Check the ‘Hide This Account’ box

If you lat­er wish to un-hide the account:

1. Click on Set­tings
2. Click on the Accounts tab
3. Find the hid­den account in the list and click the pen­cil icon next to it
4. Un-check the ‘Hide This Account’ box

You’re more than a num­ber; your accounts can be as well. Adding Account Nick­names makes it easy to dis­tin­guish between your accounts. This can be espe­cial­ly use­ful if you have mul­ti­ple mem­ber­ships and mul­ti­ple check­ing or sav­ings accounts to track. For exam­ple, you could add nick­names such as “My Own Check­ing” and “Our Joint Check­ing”. Nick­names are use­ful when review­ing your trans­ac­tion his­to­ry or sched­ul­ing trans­fers or bill pay trans­ac­tions, so you can make sure you’re select­ing the account you wanted.

You can add or edit Account Nick­names in either Online Bank­ing or our Mobile Bank­ing app:

In Online Bank­ing:

You have two options for edit­ing  Account Nick­names in Online Banking:

1. Click on the desired account from the Dashboard
2. In the new pan­el that opens with trans­ac­tion details, click the pen­cil icon next to the account name
3. Change the account nick­name and click “Save”

Via Set­tings:

Alter­na­tive­ly, you can fol­low these steps.

1. Click on Set­tings (found by click­ing on your name in the upper right-hand corner)
2. Click on Accounts
3. Click the pen­cil icon next to the desired account
4. Change the account nick­name and click “Save”

In the Mobile Bank­ing App:

1. Click on Set­tings in the menu
2. Click on Accounts
3. Select the desired account
4. Change the account nick­name, click “Done,” then click “Save”

You can also assign each account a cus­tom col­or that appears on the Dash­board for Online Bank­ing and your list of accounts in the Mobile Bank­ing application.

Please note: You can assign nick­names to any type of deposit accounts (check­ing, sav­ings, term cer­tifi­cates). You can also assign nick­names to some, but not all, loan account types; for instance, First Mort­gages and Busi­ness Loans can­not have nick­names assigned.

In Online Bank­ing, click on a par­tic­u­lar trans­ac­tion to open a Sum­ma­ry box with addi­tion­al trans­ac­tion details. If you click on the pen­cil icon in the low­er right-hand cor­ner, you’ll see a Memo field appear in which you can add a note (for exam­ple, ‘movie tick­ets’ that will be saved for the trans­ac­tion. It will sub­se­quent­ly appear in the trans­ac­tion sum­ma­ry in both Online and Mobile Banking.

In Mobile Bank­ing, click on a trans­ac­tion to open up the Trans­ac­tion Details box. Click on the Memo field to enter a note.

To take full advan­tage of the Bud­gets fea­ture, you’ll need to cat­e­go­rize your trans­ac­tions accu­rate­ly. When you review your trans­ac­tions under a giv­en account, all trans­ac­tions will have a small box below the mer­chant descrip­tion. This box will either default to a giv­en cat­e­go­ry, such as Util­i­ties, or it will say Add A Category.

Click­ing this box will open a pop-up win­dow where you can choose either a broad main cat­e­go­ry or a more spe­cif­ic sub-category.

Our 18-Month Term Cer­tifi­cate is a Bump Up Cer­tifi­cate. If the offered rates for new cer­tifi­cates of that type go up dur­ing the 18 months before your cer­tifi­cate matures, you can request to increase your cur­rent inter­est rate to match the new rate for the remain­der of the term, with a lim­it of one such increase per term. Send us a Secured Mes­sage through Online & Mobile Bank­ing, or give us a call, con­tact us by chat, or stop by the branch to sub­mit your request.

You need a min­i­mum of $250 to open a reg­u­lar Term Cer­tifi­cate, and a min­i­mum of $100 to open a Tra­di­tion­al or Roth IRA Term Certificate.

When a cer­tifi­cate matures, or reach­es the end of the term (3 months, 6 months, 1 year, etc), you have a 10 busi­ness day grace peri­od in which you can add funds, with­draw some or all of the funds, or change the term with­out penalty.

While there may be some excep­tions, such as a ben­e­fi­cia­ry with­draw­ing from an IRA Term Cer­tifi­cate when the mem­ber pass­es away, there is usu­al­ly a penal­ty for with­draw­ing from a Term Cer­tifi­cate before it matures. The penalty:

• Equals 45 days of div­i­dends for a term less than 1 Year
• Equals 180 days of div­i­dends for a term of 1 Year or more
• Is cal­cu­lat­ed based on the amount with­drawn; if you only with­draw a por­tion of the Term Cer­tifi­cate (sub­ject to the min­i­mum bal­ance require­ments), the penal­ty will only be based on the amount of the withdrawal

Once you’ve ordered a new deb­it or cred­it card, you should receive it with­in ten busi­ness days. Please ensure your mail­ing address is kept up to date. 

Expe­dit­ed ship­ping options may be avail­able, but fees may apply. 

When you receive a new deb­it or cred­it card, it will include an acti­va­tion stick­er with instruc­tions for acti­vat­ing your card online or via phone. 

Yes. Cur­rent­ly, the Card Man­age­ment tool in Online and Mobile Bank­ing allow you to:

• Block and unblock your cards at any time, instant­ly (in case you mis­place your card and want peace of mind while you hunt for it). 
• Con­trol set­tings for real-time alerts for your cards, such as choos­ing to get alerts for all autho­riza­tions or just autho­riza­tions that exceed a spec­i­fied dol­lar amount. 
• Con­trol how you receive those alerts, choos­ing between Push Noti­fi­ca­tion, SMS Text, or Email.

Future func­tions will include the abil­i­ty to load trav­el notes online and man­age your card’s PIN.

You can load a Trav­el Noti­fi­ca­tion via Secured Mes­sag­ing in Online & Mobile Bank­ing, or by call­ing or con­tact­ing us by chat. If you use Secured Mes­sag­ing, please select Trav­el Noti­fi­ca­tion as the Sub­ject; this will not only pro­vide a tem­plate for the details we would like to get from you, but also ensures it is rout­ed cor­rect­ly for the fastest pro­cess­ing of the request.

You’ll find a Cred­it Card Rewards link in both Online & Mobile Bank­ing which will take you to the rewards redemp­tion site. You’ll find this link under Tools & Resources in Online Bank­ing, and as part of the stan­dard menu in the Mobile Bank­ing app.

Tap to Pay cards let you make pay­ments with­out run­ning your card through a ter­mi­nal. It’s a touch-free pay­ment method; you sim­ply hold the card with­in 2 inch­es of the Contactless/Tap to Pay sym­bol on the ter­mi­nal (in oth­er words, you don’t have to lit­er­al­ly tap the card against any­thing). In some cas­es, it may take a sec­ond or two for the trans­ac­tion to com­plete, so don’t pull the card away too quick­ly. To indi­cate when the trans­ac­tion is com­plete, the pay­ment ter­mi­nal may beep, dis­play a green check­mark, or flash a green light.

Tap to Pay cards are as secure as EMV chip cards because they both use the same secu­ri­ty stan­dards for trans­ac­tions. Whether you’re using a Tap to Pay card or insert­ing your EMV chip card, the sen­si­tive infor­ma­tion sent is encrypted.

Tech­ni­cal­ly, you use a Tap to Pay card that is embed­ded with a Con­tact­less chip. How­ev­er, the terms Tap to Pay and Con­tact­less are basi­cal­ly interchangeable.

You’ll still have the option to swipe the card for a magstripe read or dip it in an EMV chip read­er. You’re not los­ing any options, just gain­ing the con­tact­less option.

You’ll see a Contactless/Tap to Pay Sym­bol, either on the ter­mi­nal or dis­played promi­nent­ly by the mer­chant. It looks some­thing like a Wi-Fi sym­bol (three or four con­cen­tric arcs of dif­fer­ent sizes) turned sideways. 

You need a min­i­mum of $250 to open a reg­u­lar Term Cer­tifi­cate, and a min­i­mum of $100 to open a Tra­di­tion­al or Roth IRA Term Certificate.

When a cer­tifi­cate matures, or reach­es the end of the term (3 months, 6 months, 1 year, etc), you have a 10 busi­ness day grace peri­od in which you can add funds, with­draw some or all of the funds, or change the term with­out penalty.

Our 18-Month Term Cer­tifi­cate is a Bump Up Cer­tifi­cate. If the offered rates for new cer­tifi­cates of that type go up dur­ing the 18 months before your cer­tifi­cate matures, you can request to increase your cur­rent inter­est rate to match the new rate for the remain­der of the term, with a lim­it of one such increase per term. Send us a Secured Mes­sage through Online & Mobile Bank­ing, or give us a call, con­tact us by chat, or stop by the branch to sub­mit your request.

While there may be some excep­tions, such as a ben­e­fi­cia­ry with­draw­ing from an IRA Term Cer­tifi­cate when the mem­ber pass­es away, there is usu­al­ly a penal­ty for with­draw­ing from a Term Cer­tifi­cate before it matures. The penalty:

• Equals 45 days of div­i­dends for a term less than 1 Year
• Equals 180 days of div­i­dends for a term of 1 Year or more
• Is cal­cu­lat­ed based on the amount with­drawn; if you only with­draw a por­tion of the Term Cer­tifi­cate (sub­ject to the min­i­mum bal­ance require­ments), the penal­ty will only be based on the amount of the withdrawal

When you click Sign In to open the log-in pan­el, you’ll see a For­got Pass­word link. Once you ver­i­fy some out of wal­let infor­ma­tion, you’ll be able to gen­er­ate a one-time code. This will be sent as an SMS or read to you as a voice call.

After gen­er­at­ing  and ver­i­fy­ing the one-time code, you’ll be able to set a new per­ma­nent pass­word and proceed.

Please note that SMS mes­sages may be sub­ject to your car­ri­er’s mes­sage rates.

When you click Sign In to open the log-in pan­el, you’ll see a “For­got User­name” link. You’ll need to con­firm your iden­ti­ty using select­ed out-of-wal­let information.

After you suc­cess­ful­ly ver­i­fy your ID, your User­name will be dis­played on screen.

Details and updates regard­ing ser­vice inter­rup­tions can be found at https://status.sffirecu.org. You can Sub­scribe To Updates for an inci­dent. You can get updates by email or text message

If your brows­er is hav­ing trou­ble load­ing our site, that might indi­cate you need to clear the cache or cook­ies. Dif­fer­ent browsers will have dif­fer­ent steps to do so. Here are the steps for some com­mon browsers:

Google Chrome (ver­sion 77.0.3865.90)

1. Click the cir­cle in the upper right-hand cor­ner con­tain­ing three ver­ti­cal dots. This opens a menu.
2. Click “Set­tings”
3. If “Advanced” has a down arrow next to it, click this to expand your list of Advanced Options
4. Click “Pri­va­cy and security”
5. Click “Clear brows­ing data” 
6. Mark the Basic or Advanced Options you want to apply and click “Clear data”
7. You may need to close and re-start your brows­er for changes to take effect

Safari for iOS

1. Click on the Safari drop-down menu and select Preferences.
2. Click the Advanced tab. Select the Show Devel­op menu in menu bar check­box and close the Pref­er­ences window.
3. Select the Devel­op drop-down menu. Click Emp­ty Cache.
4. Note: You may want to also clear your brows­er history.

Microsoft Edge

1. Select the Hub icon (three hor­i­zon­tal lines at top bar in front of a star), click the His­to­ry menu option, and then click Clear history.
2. Select “Cook­ies and saved web­site data” and “Cached data and files”. After the two are marked click Clear.

When you down­load the app for the first time, your device should allow you to spec­i­fy if you want updates to be auto­mat­i­cal­ly down­loaded for you. If not, you can always vis­it the App Store or the Google Play Store and see if you have the lat­est ver­sion. The cur­rent ver­sion num­ber of your app will appear at the bot­tom of the launch screen when you first open the app.

Most browsers should be com­pat­i­ble with Online Bank­ing, if they meet these min­i­mum requirements:

• 128-bit encryp­tion
• Cook­ies
• JavaScript

You can check the cur­rent list of all sup­port­ed Desk­top and Mobile browsers—and brows­er versions—by click­ing on the Brows­er Sup­port link found in the low­er left-hand cor­ner of the ini­tial log-in page (part of the black bar with gen­er­al infor­ma­tion). This link will open a sep­a­rate win­dow with the brows­er sup­port infor­ma­tion, includ­ing an analy­sis of whether your cur­rent brows­er is supported.

You can also use this link to test your brows­er direct­ly.

The Mobile Bank­ing App has the fol­low­ing min­i­mum requirements:

• Android Devices: Requires Android 5.0 and up
• iOS Devices: Requires iOS 11.0 or lat­er. Com­pat­i­ble with iPhone, iPad, and iPod touch.

Online bank­ing is also designed to work with touch-based oper­at­ing sys­tems com­mon­ly found on tablet devices. We sup­port the fol­low­ing tablet based oper­at­ing systems:

• Chrome for Android: 2 most recent versions
• Mobile Safari for iOS devices: 2 most recent version

If you have con­nect­ed your Online Bank­ing account with us to third-par­ty sites such as Mint.com, you will see log-in attempts record­ed when those sites con­nect to your account to import your information.

From your Dash­board in Online Bank­ing, if you click on a spe­cif­ic account, a sep­a­rate pan­el opens, dis­play­ing a list of your recent trans­ac­tions. At the top of this list, you will see two icons: one to Print Trans­ac­tions and one to Export Trans­ac­tions. Click­ing the Export Trans­ac­tions icon will open a pop-up win­dow that allows you to choose the file type you need.

The CSV file option allows you to select a spe­cif­ic date range in the down­load win­dow. Quick­books and Quick­en do not offer a date range selec­tor, but you can set a spe­cif­ic date range by using the built-in fil­ters for trans­ac­tion history.

1. Click on the desired account to open the trans­ac­tion history
2. Select the FILTER icon (it looks like a fun­nel) next to the search bar
3. Fil­ter trans­ac­tions by the desired date range (or any oth­er criteria)
4. Select the Export Trans­ac­tions icon and choose the desired file type.

The down­loaded QFX or QBO file should now match the fil­tered trans­ac­tion dates.

You have the option to “Require Two-Fac­tor Authen­ti­ca­tion For Each Login”.  You can tog­gle this option on and off under the Secu­ri­ty tab under Set­tings in Online Bank­ing. This means that even if you ask the web­site to “Remem­ber This Device”, you’ll always need to ver­i­fy a one-time secu­ri­ty code sent by email, SMS, or a phone call, or answer two Secu­ri­ty Ques­tions, in addi­tion to ver­i­fy­ing your password.

Two-Fac­tor Authen­ti­ca­tion (2FA) is an extra lay­er of pro­tec­tion used to ensure the secu­ri­ty of online accounts beyond just a user­name and pass­word. It pro­vides height­ened secu­ri­ty for cer­tain high­er-risk online activ­i­ties, includ­ing log­ging in to your Online & Mobile Bank­ing account or set­ting up high-dol­lar trans­fers to exter­nal accounts.

With email accounts prov­ing sus­cep­ti­ble to being tak­en over or com­pro­mised, they no longer meet SF Fire Cred­it Union’s stan­dards for a secure method of Two-Fac­tor Authentication.

Options include:

• One-time codes via SMS (text mes­sag­ing – your carrier’s mes­sag­ing rates may apply)
• One-time codes via voice call (either mobile or landline)
• 2FA apps such as Google Authen­ti­ca­tor or DUO

A Two-Fac­tor Authen­ti­ca­tion (2FA) appli­ca­tion such as DUO, Google Authen­ti­ca­tor, or Authy pro­vides more secu­ri­ty for your online bank­ing account through a Time-based One-Time Passcode.

2FA apps work sim­i­lar­ly to the one-time codes by SMS, except that instead of receiv­ing a text, you’ll respond to a ver­i­fi­ca­tion prompt or code that appears in your app. This code changes fre­quent­ly, mak­ing it very secure and dif­fi­cult to hack. 2FA apps work with both cel­lu­lar or wi-fi net­works, which means you can use them even while trav­el­ing with­out cel­lu­lar service.

2FA apps pro­vide a high lev­el of secu­ri­ty for your online bank­ing activ­i­ty. Addi­tion­al­ly, they pro­vide great flex­i­bil­i­ty if you are a fre­quent traveler.

2FA apps only require a WiFi con­nec­tion, not cel­lu­lar. This makes them an espe­cial­ly use­ful alter­na­tive to text mes­sages while trav­el­ing, because you might not have cel­lu­lar ser­vice or an inter­na­tion­al plan that allows SMS. How­ev­er, the set­up process­es for DUO or Google Authen­ti­ca­tor both require a QR code that you can only get when logged into Online Bank­ing, so be sure to acti­vate your 2FA app before you travel.

You can down­load 2FA apps such as Google Authen­ti­ca­tor or DUO from the App Store or Google Play Store.

You first need to enable the 2FA option through Profile/Security Settings. 

You’ll start by enabling the 2FA app option through Online Banking.

After log­ging in:

1. Select “Secu­ri­ty Set­tings” under “Pro­file.”
2. Turn on “Require Two-Fac­tor Authen­ti­ca­tion For Each Login.”
3. Click Pen­cil Icon for Authen­ti­ca­tion App (2FA APP).
4. Click “Enroll.”
5. Open the authen­ti­ca­tor app on your mobile device, fol­low the on-screen prompts to ‘Add’ an account, then scan the QR Code that appears in Online Banking.
6. Fol­low the authen­ti­ca­tor app’s steps to gen­er­ate a pass­code (these vary based on app).
7. Enter this pass­code in your SF Fire Cred­it Union Online Bank­ing ses­sion, then click “Next.”
8. If this is your first time set­ting up 2FA, fol­low the prompts in Online Bank­ing to ver­i­fy the request.
9. Turn on 2FA app, then click “Done.”
10. Upon your next login, open the authen­ti­ca­tor app.
11. The authen­ti­ca­tor app will dis­play a tem­po­rary Pass­code for your Online Bank­ing profile.
12. Enter your Pass­code into Online Bank­ing or the Mobile Bank­ing app and click “Ver­i­fy.”

You can use a one-time code via a voice call to a land­line phone num­ber. The DUO 2FA app is also avail­able for some Win­dows computers.

Two-Fac­tor Authen­ti­ca­tion (2FA) apps work with wi-fi net­works as well as cel­lu­lar net­works, so whether or not you have cel­lu­lar ser­vice, you can still use the app. We rec­om­mend down­load­ing and set­ting up your 2FA app pri­or to trav­el­ing to make sure it works as you expect.

If you have trans­ferred online to this oth­er mem­ber before, you might have saved the account for future trans­fers. If you have, you’ll be able to select that account in either Quick Trans­fers or Clas­sic Trans­fers. If this is the first time you’re trans­fer­ring to the oth­er mem­ber, go to Clas­sic Trans­fer and click on “Trans­fer to anoth­er SF Fire Cred­it Union member”.

Trans­fers to exter­nal accounts typ­i­cal­ly take 1–3 busi­ness days to post.

You can add a link to an exter­nal account in your name through either the Settings/Accounts tab or under Clas­sic Trans­fers. You will need your rout­ing and account num­ber for the exter­nal account.

All exter­nal accounts must be ver­i­fied by a tri­al deposit before you can use them for trans­fers. This ver­i­fi­ca­tion gives you access to with­draw from and deposit to that account. Once you ini­ti­ate the tri­al deposit, you should see it post to your exter­nal account with­in 1–3 busi­ness days. You can then con­firm the tri­al deposit and acti­vate the exter­nal account through the Settings/Accounts tab.

After con­firm­ing the tri­al deposit, you can choose the exter­nal account as a des­ti­na­tion in Trans­fers. Trans­fers sched­uled pri­or to 3 pm on a nor­mal busi­ness day, Mon­day – Fri­day) will be sent that same day.

There are no lim­its for inter­nal trans­fers (trans­fers between accounts at the Cred­it Union). You have a dai­ly lim­it of $10,000 and a month­ly lim­it of $50,000 for both incom­ing and out­go­ing exter­nal trans­fers (trans­fers to and from accounts at oth­er finan­cial institutions).

6 Trans­fers Per Cal­en­dar Month

Based on the require­ments of Fed­er­al Reg­u­la­tion D, you are lim­it­ed to 6 elec­tron­ic or remote trans­fers out of a Sav­ings or Tiered Sav­ings account per cal­en­dar month. Once you reach this lim­it, you will not be able to trans­fer from your sav­ings accounts via Online & Mobile Bank­ing, and any trans­fers you sched­uled ahead of time will fail.

Which Trans­fers Count Towards Reg­u­la­tion D

The fol­low­ing trans­fers out of Sav­ings or Tiered Sav­ings accounts are lim­it­ed by the Reg­u­la­tion D limit:

• One-time or Recur­ring Trans­fers Sched­uled in Online & Mobile Banking
• Trans­fers Ini­ti­at­ed via Phone or Live Web Chat
• Over­draft Pro­tec­tion Trans­fers to a Check­ing Account
• Auto­mat­ic Deb­its by Mer­chants or Oth­er Finan­cial Institutions

 Options for Addi­tion­al Transfers

• Trans­fer Funds in Our Branches
• Trans­fer Funds at an ATM

Please note that the Reg­u­la­tion D lim­it applies to indi­vid­ual accounts, not your mem­ber­ship. If you have mul­ti­ple sav­ings accounts, you can make up to 6 trans­fers from each sav­ings account per cal­en­dar month.

Reg D is a fed­er­al rule from the Fed­er­al Reserve Board.

The cur­rent direct option to send funds to anoth­er per­son at anoth­er finan­cial insti­tu­tion is to use Bill Pay. In most cas­es, this will send a check. You can use oth­er third-par­ty appli­ca­tions such as Apple Pay Cash or Ven­mo to trans­fer to oth­er individuals.

Once your exter­nal account has been ver­i­fied with a tri­al deposit, you can pull from that account (dai­ly lim­it of $10,000). Trans­fers sched­uled by 3 pm are post­ed by 4 pm every nor­mal busi­ness day, although funds may not be ful­ly avail­able at that time.

While there are no Noti­fi­ca­tion options specif­i­cal­ly relat­ed to the Reg D lim­its on trans­fers, there are some options that might help. You can add new Noti­fi­ca­tions (which are sent by email, SMS, or Push Noti­fi­ca­tion to your Mobile Device) with­in Online Bank­ing under Set­tings, which you access via the menu in the upper right-hand cor­ner that shows your ‘nick­name’ and cho­sen icon. Noti­fi­ca­tion options that might be use­ful include:

• Trans­fer Suc­ceed­ed – you’ll get a notice any time a trans­fer via Online & Mobile Bank­ing is processed
• Trans­fer Failed – you’ll get a notice if a sched­uled trans­fer via Online & Mobile Bank­ing could not be completed
• Auto­mat­ic With­draw­al Alert – you’ll get a notice any­time funds are auto­mat­i­cal­ly with­drawn from a spec­i­fied account

Bal­ance Alert – you’ll get a notice when the bal­ance in a spec­i­fied account (such as your check­ing account) falls below (or above) a spec­i­fied amount (you can use this to know when you might be close to using Over­draft Pro­tec­tion transfers)

If you sched­uled the trans­fer to take place in the future, you can always can­cel it up until 7 am Pacif­ic on the sched­uled date by going to Transfers/Scheduled in Online or Mobile Bank­ing. Once the trans­fer is sent, it can­not be reversed or canceled.

Until the trans­fer is sent, you can still can­cel it by going to Transfers/Scheduled in Online or Mobile Bank­ing. Once the trans­fer is sent, it can­not be reversed or canceled.

Most browsers should be com­pat­i­ble with Online Bank­ing, if they meet these min­i­mum requirements:

• 128-bit encryp­tion
• Cook­ies
• JavaScript

You can check the cur­rent list of all sup­port­ed Desk­top and Mobile browsers—and brows­er versions—by click­ing on the Brows­er Sup­port link found in the low­er left-hand cor­ner of the ini­tial log-in page (part of the black bar with gen­er­al infor­ma­tion). This link will open a sep­a­rate win­dow with the brows­er sup­port infor­ma­tion, includ­ing an analy­sis of whether your cur­rent brows­er is supported.

You can also use this link to test your brows­er direct­ly.

The Mobile Bank­ing App has the fol­low­ing min­i­mum requirements:

• Android Devices: Requires Android 5.0 and up
• iOS Devices: Requires iOS 11.0 or lat­er. Com­pat­i­ble with iPhone, iPad, and iPod touch.

Online bank­ing is also designed to work with touch-based oper­at­ing sys­tems com­mon­ly found on tablet devices. We sup­port the fol­low­ing tablet based oper­at­ing systems:

• Chrome for Android: 2 most recent versions
• Mobile Safari for iOS devices: 2 most recent version

For an iOS device:

Find the app on the iTunes App Store here. You’ll be able to see sys­tem require­ments for your device here, as well as check­ing the ver­sion number.

For an Android device:

Find the app on the Google Play Store here. You’ll be able to see sys­tem require­ments for your device and the ver­sion number.

If you’ve already reg­is­tered for Online Bank­ing, you’ll use the same User­name and Pass­word infor­ma­tion for the Mobile Banking app. If you haven’t already reg­is­tered for Online Bank­ing, you can reg­is­ter direct­ly through the Mobile Bank­ing app by click­ing “Sign up now”.

If your brows­er is hav­ing trou­ble load­ing our site, that might indi­cate you need to clear the cache or cook­ies. Dif­fer­ent browsers will have dif­fer­ent steps to do so. Here are the steps for some com­mon browsers:

Google Chrome (ver­sion 77.0.3865.90)

1. Click the cir­cle in the upper right-hand cor­ner con­tain­ing three ver­ti­cal dots. This opens a menu.
2. Click “Set­tings”
3. If “Advanced” has a down arrow next to it, click this to expand your list of Advanced Options
4. Click “Pri­va­cy and security”
5. Click “Clear brows­ing data” 
6. Mark the Basic or Advanced Options you want to apply and click “Clear data”
7. You may need to close and re-start your brows­er for changes to take effect

Safari for iOS

1. Click on the Safari drop-down menu and select Preferences.
2. Click the Advanced tab. Select the Show Devel­op menu in menu bar check­box and close the Pref­er­ences window.
3. Select the Devel­op drop-down menu. Click Emp­ty Cache.
4. Note: You may want to also clear your brows­er history.

Microsoft Edge

1. Select the Hub icon (three hor­i­zon­tal lines at top bar in front of a star), click the His­to­ry menu option, and then click Clear history.
2. Select “Cook­ies and saved web­site data” and “Cached data and files”. After the two are marked click Clear.

There are a few steps to take to help make sure your Mobile Deposit goes through.

• Make sure to endorse the check on the back (include your name, mem­ber num­ber, and “For mobile deposit only to SF Fire Cred­it Union”)
• Make sure you have suf­fi­cient light­ing where you are tak­ing the picture
• Make sure the sig­na­ture on the front of the check does not obscure the account details
• Make sure the check fits with­in the frame on the screen when tak­ing the photo
• Once you receive a Mobile Deposit #, please record on the back of the check and retain the check for two weeks.

If you get an error when try­ing to launch the cam­era, check the Pri­va­cy set­tings for the cam­era on your device. You may need to give the SF Fire CU Mobile App per­mis­sion to access the camera.

Details and updates regard­ing ser­vice inter­rup­tions can be found at https://status.sffirecu.org. You can Sub­scribe To Updates for an inci­dent. You can get updates by email or text message

If you vis­it https://status.sffirecu.org/, you’ll see any cur­rent reports of out­ages for such ser­vices as Online & Mobile Bank­ing, Coin­Star® machines, or ATMs. Sta­tus reports are grouped by branch; click the “+” icon next to the branch you want to vis­it to check the oper­a­tional sta­tus of the machines at that location.

When you click Sign In to open the log-in pan­el, you’ll see a For­got Pass­word link. Once you ver­i­fy some out of wal­let infor­ma­tion, you’ll be able to gen­er­ate a one-time code. This will be sent as an SMS or read to you as a voice call.

After gen­er­at­ing  and ver­i­fy­ing the one-time code, you’ll be able to set a new per­ma­nent pass­word and proceed.

Please note that SMS mes­sages may be sub­ject to your car­ri­er’s mes­sage rates.

When you click Sign In to open the log-in pan­el, you’ll see a “For­got User­name” link. You’ll need to con­firm your iden­ti­ty using select­ed out-of-wal­let information.

After you suc­cess­ful­ly ver­i­fy your ID, your User­name will be dis­played on screen.

When you down­load the app for the first time, your device should allow you to spec­i­fy if you want updates to be auto­mat­i­cal­ly down­loaded for you. If not, you can always vis­it the App Store or the Google Play Store and see if you have the lat­est ver­sion. The cur­rent ver­sion num­ber of your app will appear at the bot­tom of the launch screen when you first open the app.

From your Dash­board in Online Bank­ing, if you click on a spe­cif­ic account, a sep­a­rate pan­el opens, dis­play­ing a list of your recent trans­ac­tions. At the top of this list, you will see two icons: one to Print Trans­ac­tions and one to Export Trans­ac­tions. Click­ing the Export Trans­ac­tions icon will open a pop-up win­dow that allows you to choose the file type you need.

The CSV file option allows you to select a spe­cif­ic date range in the down­load win­dow. Quick­books and Quick­en do not offer a date range selec­tor, but you can set a spe­cif­ic date range by using the built-in fil­ters for trans­ac­tion history.

1. Click on the desired account to open the trans­ac­tion history
2. Select the FILTER icon (it looks like a fun­nel) next to the search bar
3. Fil­ter trans­ac­tions by the desired date range (or any oth­er criteria)
4. Select the Export Trans­ac­tions icon and choose the desired file type.

The down­loaded QFX or QBO file should now match the fil­tered trans­ac­tion dates.

If you have con­nect­ed your Online Bank­ing account with us to third-par­ty sites such as Mint.com, you will see log-in attempts record­ed when those sites con­nect to your account to import your information.