Preview Our New Website!

We’re excited to announce that is getting an entirely new look! Our new website will replace the current website on July 31, and is optimized for mobile and tablet devices.

Changes to Funds Availability (Check Hold) Policy

Changes have been made to the Funds Availability Policy and members should be aware of the following:

  • The portion of deposits that may be made immediately available has increased from $100 to $200
  • The maximum number of days that a check may be held has been reduced from five to two business days

To receive a copy of our revised policy please contact us via Web Chat, or by calling 1.888.499.FIRE(3473). You can also view the full disclosure by CLICKING HERE.


This notice is to advise you of a change we have made to our Funds Availability Policy, which governs the availability of deposits made into your checking accounts.

Effective July 21, 2011, changes by the Federal Reserve Board have resulted in a single check processing region in the United States. As a result of this change, all checks drawn on financial institutions located in the United States and deposited into the SF Fire Credit Union on or after July 21st are now considered local. There are no longer any U.S. institution-drawn checks that are non-local for purposes of the credit union's Funds Availability Policy.

The Funds Availability Policy was amended on July 21st to reflect this change. In particular, under the Longer Delays May Apply section, first paragraph, the reference to the "fifth business day" has been revised to read the "second business day." Additionally, the available amount in the last sentence of the first paragraph has been revised from "$100" to read "$200".

Please retain this change notice with your account documents. If you would like to receive a copy of the revised Funds Availability Policy, please contact us.