Nehemiah, international photographer.
Putting him first since 2012.
Free Checking

Free checking you can count on

We offer the Bay Area’s best checking account. No minimum balance, no monthly fee, and up to 12 ATM surcharge rebates per month.

Why SF Fire?

No
No
Free

You work hard for your money. Put it to work for you with our smart, reliable personal checking account. No  fees, and you'll also enjoy advanced features like free bill pay, overdraft protection, and more.

SFFire Comparison Table
SF Fire Credit Union Bank of America
ATM Surcharge Rebates
SF Fire Credit Union
Up to 12 per month
Bank of America
Nope
Monthly Charge
SF Fire Credit Union
$0
Bank of America
$12
ATM Fee (out of network)
SF Fire Credit Union
$0
Bank of America
$2.50
Direct Deposit Required?
SF Fire Credit Union
No(that's a good thing)
Bank of America
Yes
NSF/Courtesy Pay Fee
SF Fire Credit Union
$25
Bank of America
$35
Stop Payment Fee
SF Fire Credit Union
$15
Bank of America
$30
Money Order
SF Fire Credit Union
$0
Bank of America
They don't tell you in advance
Minimum Balance
SF Fire Credit Union
$0
Bank of America
$100

Our Services

FREE ATM ANYWHERE

Access any ATM free of charge

Stop paying to get your money. We automatically rebate up to 12 ATM surcharge fees per month (up to $4 per rebate) for our members.

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FREE OVERDRAFT PROTECTION

Avoid costly overdraft fees

Get free overdraft protection when you link your Savings or Credit Card account(s), and say goodbye to bounced checks.

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MOBILE DEPOSIT

Deposit checks from anywhere

Make a deposit in seconds using our app, available for both iOS and Android.

Note: Some restrictions may apply.

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NO MINIMUM BALANCE, MONTHLY FEE, OR DIRECT DEPOSIT REQUIREMENTS

Stop worrying about minimum balances

Unlike many banks, our free checking account really is free. It’s that simple.

NO FOREIGN TRANSACTION OR CURRENCY EXCHANGE FEES

Travel with confidence

Get peace of mind and save money on your next overseas trip with no currency exchange or foreign transaction fees.

 

 

APPLE PAY

Pay with a touch of your iPhone

Use Apply Pay to make purchases at participating merchants. It’s quick, easy, and secure.

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Frequently Asked Questions

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Thomas, Rugby Pro.
Putting him first since 2010.
PLATINUM VISA CREDIT CARD

Say goodbye to credit card fees

Get the card that cuts out the fees while giving you rewards, overdraft protection, and lower rates.

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Thomas, Rugby Pro.
Putting him first since 2010.
Will & Kristin, proud senior dog parents.
Putting them first since 2005.
PERSONAL SAVINGS

Get ahead with our high-yield savings

Take advantage of our attractive rates to increase your savings.

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Will & Kristin, proud senior dog parents.
Putting them first since 2005.

Let's Chat

As a local credit union, we measure our success one member at a time. We want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.

Call or Chat

(415) 674-4800
(888) 499-FIRE (3473)
Mon – Sat 7:00 AM – 8:00 PM*

*Please note that 'After Hours Phone Support' is available outside of regular Contact Center Hours.

Chat Now

Stop by a branch

Branch hours
Mon – Fri 10:00 AM – 3:00 PM
Saturday 10:00 AM – 3:00 PM

Find a Branch or ATM