Due Dates

IMPORTANT: Beginning September 15th, electronic payments and transfers which utilize your routing and checking account number may settle (debit) sooner. Please review and plan accordingly.

Triple Rewards

Offer ends soon: Summer spending is more rewarding with our Platinum Visa. Earn unlimited triple points on all purchases made now through September 5th.

New Online Banking

ALL-NEW Online & Mobile Banking Systems are launching THIS FALL with updated tools and features. Log-In to Online (Desktop) Banking for the latest updates and news.

New Phone Tree

Expect new options when calling the Credit Union: Call Routing choices for specific topics, and a Call Back Request option.

Home Loans

Whether you’re looking to buy a new home or refinance an existing mortgage, we want to help. We offer a variety of fixed and adjustable rate loans to meet your needs.

Due Dates

IMPORTANT: Beginning September 15th, electronic payments and transfers which utilize your routing and checking account number may settle (debit) sooner. Please review and plan accordingly.

Triple Rewards

Offer ends soon: Summer spending is more rewarding with our Platinum Visa. Earn unlimited triple points on all purchases made now through September 5th.

New Online Banking

ALL-NEW Online & Mobile Banking Systems are launching THIS FALL with updated tools and features. Log-In to Online (Desktop) Banking for the latest updates and news.

New Phone Tree

Expect new options when calling the Credit Union: Call Routing choices for specific topics, and a Call Back Request option.

Home Loans

Whether you’re looking to buy a new home or refinance an existing mortgage, we want to help. We offer a variety of fixed and adjustable rate loans to meet your needs.

Voice of the Member

Submit your question or comment to our Senior Management Team, and expect to receive a response within a business day.

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Account Services

Our Branches

Main Branch
3201 California Street
San Francisco, CA 94118 Map of Main Branch

Mint Plaza Branch
12 Mint Plaza
San Francisco, CA 94103 Map of Mint Plaza Branch

Stonestown Branch
565 Buckingham Way
San Francisco, CA 94132 Map of Stonestown Branch

Pacifica Branch (Cashless)
1220 Linda Mar Boulevard
Pacifica, CA 94044 Map of Pacifica Branch

Latest News & Firefighter's Corner

Changes to ACH Debits Coming Soon

As of September 15th, 2017 originators of ACH debit transactions will have the option of processing and settling transactions (debiting your account) on the same day the payment was scheduled. This change is being implemented at all financial institutions in the United States, so it’s important to be aware of how your transactions may be affected.

What is an ACH Debit?

A payment initiated by any given originator using your routing and checking account number.

Who is an Originator?

An originator is any entity – such as a merchant or another Financial Institution – that can initiate an ACH transaction. Examples include:

  • A merchant such as Comcast processing (debiting) a payment for a monthly bill from your account.
  • A lender such as Wells Fargo processing (debiting) a mortgage or consumer loan payment from your account.
  • Another bank or credit union initiating a transfer of funds, pulling from your account at SF Fire Credit Union and depositing to an account at that institution.

Debits May Clear Your Account the Same Day As Scheduled

Up until now these ACH transactions (once they have been initiated on the scheduled due date ) have typically required 1-3 business days to post against (to be debited from) your checking account. Originators will now have the option of “Same Day Debits”. This means a payment or transaction scheduled for on a particular date could clear (be debited from) your checking account with SF Fire Credit Union that same day. It will be up to each individual originator to decide whether to exercise this same-day debit option and cause this change.

Managing Your Expectations

Previously, it was common to schedule a payment with a merchant, have the payment credited to your loan or bill that day, and then still have time to make a deposit or transfer to your SF Fire Credit Union checking account prior to the payment clearing your account. This may no longer be a safe strategy, as you should assume the payment could be taken the same day.

Possible Consequences

It is possible you will see payments rejected if they post to your account sooner than you expected. This could trigger returned item fees from both the Credit Union and the originator.

What You Can Do To Prepare

You may need to adjust when you schedule payments and transfers. There are a few options to consider:


  • Contact originators of ACH debit transactions to change any automatic payment dates or due dates.

  • Adjust dates of scheduled transfers to or from your SF Fire Credit Union checking account

  • Review your Overdraft Protection options for your SF Fire Credit Union checking account, to cover any of these same-day debits.

If you have any questions or need assistance reviewing your Overdraft Protection options or account history, please feel free to contact us at 1.888.499.3473 during our Contact Center hours, 7 am – 8 pm, Monday through Saturday, or visit our branches 8:30 am – 6:00 pm, Monday through Friday, and 8:30 am – 3:00 pm on Saturday.