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Four branches are now open to serve your needs: Medical Center is open M-F 9-5. University Avenue and Pampas Lane are open M-F 9-5 and Saturdays 9-4. Embarcadero Road is open M-F from 8-5. Our Redwood City and Tresidder Branches remain closed. All other banking services continue as usual. Contact us 24/7 at 888.723.7328 with questions or concerns, or send a secure Message through Online or Mobile Banking. COVID-19 Updates.

Alert Notification Icon

Four branches are now open to serve your needs: Medical Center is open M-F 9-5. University Avenue and Pampas Lane are open M-F 9-5 and Saturdays 9-4. Embarcadero Road is open M-F from 8-5. Our Redwood City and Tresidder Branches remain closed. All other banking services continue as usual. Contact us 24/7 at 888.723.7328 with questions or concerns, or send a secure Message through Online or Mobile Banking. COVID-19 Updates.

Service Fees

We have minimal fees to help our members save money

Fee schedule effective September 12, 2019

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Membership Rewards Discounted Fees:
Service Fee Description Partner Ambassador Students
Wire Transfers
  • Incoming
$0 None $0 $0 $0
  • Outgoing Domestic
$10 Per wire $5 $0 $0
  • Outgoing International
$20 Per wire $10 $0 $0
  • TransferWise
Varies Varies based on currency and amount sent. SFCU does not add an additional fee. Varies Varies Varies
Stop Payment $20 Per item $10 $0 $0
Lien/Levy Processing $15 Per notice $7.50 $0 $0
Account Research $30 Per hour (one hour minimum) $30 $30 $0
Collection Item $20 Per item $20 $20 $0
Non-Sufficient Funds (ACH or Check) $20 Per presentment $20 $20 $0
Overdraft Protection (ACH or Check) $20 Per presentment $20 $20 $0
Returned Deposit Item $20 Per item $20 $20 $0
Loan Payment Convenience $15 Per item $15 $15 $0
Check Printing Varies Based on style (premier checking receives two boxes/year up to $35) Varies Varies Varies
ATM Inquiry and Withdrawal $0 No SFCU fee (only other bank's fees) Reimburse 3 ATM fees* Reimburse unlimited fees* $0
Monthly Service Charge
  • Premier Checking
$10 Waived with $20,000 combined savings and loan balances or $2,500 minimum daily account balance $5 $0
  • Basic Checking
$0 No minimum balance $0 $0
  • Student Checking
$0 No minimum balance $0 $0
  • Money Market Account
$10 Waived with $2,500 minimum daily account balance $5 $0
  • Inactivity/Dormant Account
$5 Waived with $2,500 minimum daily account balance $2.50 $0

*The maximum ATM fee reimbursement is $5 per transaction.
Refer to the Business Checking & Savings page for additional fees for business deposit accounts.