Free Credit Union Checking Accounts in San Francisco, CA
Opening a free checking account and managing your money has never been easier. San Francisco Federal Credit Union offers accounts for everyday checking, health expenses, and to help build your credit, all with no monthly maintenance fees, no minimum deposit requirements, and no minimum opening balance requirements. And all that comes along with a host of other benefits to make your banking easier and to reward you for being a member.
Are you already a member? Log into Online Banking to open an account!
Everyday Banking, Extraordinary Benefits
Visa EMV Chip Debit Card
Enjoy safe, convenient debit card purchases in person or online.
Access to Over 30,000 ATMs
Make deposits and withdrawals at no cost with our nationwide network.
Access to Over 30,000 ATMs
Make deposits and withdrawals at no cost with our nationwide network.
Access to Over 30,000 ATMs
Make deposits and withdrawals at no cost with our nationwide network.
Basic Checking Account
With no minimum balance requirements, no monthly maintenance fees, free check writing privileges, online bill pay, and easy ATM deposits and withdrawals, it’s easy to manage your money without worrying about extra costs.
HSA Checking Account
Designed for individuals and families covered by High Deductible Health Plans (HDHPs), this account offers a variable rate and no monthly service fees. Enjoy tax-free dividends paid monthly and benefit from tax deductions for qualified contributions.
Second Chance Checking Account
Build for the future with no monthly maintenance fees or minimum balance requirements. Enjoy access to over 30,000 surcharge-free ATMs and CO-OP Shared Branch Centers across the U.S. and Canada.
Compare Checking Accounts
| Basic Checking Account | HSA Checking Account | Second Chance Checking Account | |
|---|---|---|---|
| Best For | Simple banking for everyday needsView Account Individuals seeking a straightforward account for routine transactions and basic money management. | Tax-advantaged savings for your health View Account Those with high-deductible health plans looking to save money for medical expenses while enjoying potential tax benefits. | Your fresh start in banking View Account Individuals with past financial difficulties or negative banking history who need an opportunity to rebuild their banking reputation. |
| Earns Dividends | ✖️ | ✔️ | ✔️ |
| Tax Deductible for Qualifying Contributions | ✖️ | ✔️ | ✖️ |
| Minimum Deposit to Open | $0 | TBD | $0 |
| Monthly Maintenance Fee | $0 | $0 | $0 |
| Minimum Monthly Balance | $0 | TBD | $0 |
| Access to Online Banking | ✔️ | ✔️ | ✔️ |
| ATM Debit Card Provided | ✔️ | ✔️ | ✔️ |
| ATM and Mobile Deposit | ✔️ | ✔️ | ✖️ |
| Access to Over 30,000 Surcharge-free ATMs | ✔️ | ✔️ | ✔️ |
| Open Account | Open Account | Open Account | |
| View Details | View Details | View Details |
Additional Features of San Francisco FCU Checking Accounts
No Monthly
Maintenance Fees
Why pay for a checking account? Spend your money on your terms, not ours.
No Minimum Monthly Balance Requirement
We don’t believe in putting restrictions on our accounts. Manage your money on your terms.
Free Online Bill Pay
Settle bills and other regular payments directly from your checking account.
Get Your Money Sooner With Direct Deposit
Receive your paycheck directly in your checking account. No need to rush to deposit it.
Funds Insured by the Federal Government
Balances in our deposit accounts are insured by the NCUA up to $250,000.
Earn ValuableMember Discounts
Earn rewards on travel, entertainment, and more. Get the rewards you deserve.
Open Your Checking Account in 3 Easy Steps!
Check Your Eligibility
Membership is open to residents of San Francisco and San Mateo counties and City employees.
Select Checking Product
Choose a checking account as one of your required products for membership.
Review & Finish Application
You’ll need to provide proof of identity, address, and social security number.
Why Choose San Francisco FCU?
With affordable products, personal service, and great benefits, San Francisco FCU is your financial partner for life. Spend less time thinking about money and more time enjoying your life in the City with an unbeatable range of free and low-cost account options, online banking services, and ATM access wherever you go.
Member Reviews
Credit Union Checking Accounts FAQs
More Account Options
Standard Savings Account
Opening a standard savings account with no deposit makes you a member of San Francisco Federal Credit Union. Your account is designed to help you save and grow financially.
Youth Savings Account
It is never too early to give your child or teen a strong financial foundation. Teach them essential money management skills with a Youth Savings and Checking Account
Share Certificates
A certificate of deposit is an effective investment for those who are looking for stability and protection of their principal over time. CDs offer a guaranteed rate of return with no risk.
How Can We Support You?
We love hearing from you. Reach out to us online or visit one of our convenient branches in the Bay Area.