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.

Female cashier helping pregnant woman paying with credit card at grocery store cash register

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.

With an HSA checking account, a mom peacefully brings her daughter to the doctor, ready for deductibles.

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.

A man confidently enters an office elevator, symbolizing a fresh start with a second chance checking account.

Compare Checking Accounts

Basic Checking AccountHSA Checking AccountSecond Chance Checking Account
Best ForSimple 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$0TBD$0
Monthly Maintenance Fee$0$0$0
Minimum Monthly Balance$0TBD$0
Access to Online Banking✔️✔️✔️
ATM Debit Card Provided✔️✔️✔️
ATM and Mobile Deposit✔️✔️✖️
Access to Over 30,000 Surcharge-free ATMs✔️✔️✔️
Open AccountOpen AccountOpen Account
View DetailsView DetailsView Details

Additional Features of San Francisco FCU Checking Accounts

Open Your Checking Account in 3 Easy Steps!

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.

A family of four is sitting on their front porch smiling after opening a checking account at San Francisco Federal Credit Union.

Member Reviews


Credit Union Checking Accounts FAQs

No, all San Francisco FCU checking accounts are free of charge to open, providing an easy and affordable way to manage your finances.

It typically takes 7 to 10 business days to receive your debit card and checks once your account is opened.

If you lose your debit card, contact us immediately at 415-775-5377. We have robust security measures in place to protect your account and can quickly issue a replacement card.

You can transfer funds through our mobile app (which you can download for your iPhone or Android), by calling our Service Center at 415-775-5377, or by coming into one of our convenient locations.

The routing number for San Francisco Federal Credit Union is 321076441. Use this number for direct deposits, wire transfers, and other banking transactions.

More Account Options


CONTACT US

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.

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