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Our University Avenue, Pampas Lane and Embarcadero Road Branches are open M-F from 10-4. Our Redwood City, Tresidder and Medical Center Branches are closed indefinitely in response to the Governor’s shelter-in-place mandate. All other banking services are continuing as usual. Please 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.

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Search the Website Personal Business Wealth Management ATM & Branch Locator
Alert Notification Icon

Our University Avenue, Pampas Lane and Embarcadero Road Branches are open M-F from 10-4. Our Redwood City, Tresidder and Medical Center Branches are closed indefinitely in response to the Governor’s shelter-in-place mandate. All other banking services are continuing as usual. Please 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.

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Search the Website Personal Business Wealth Management ATM & Branch Locator

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 item $20 $20 $0
Overdraft Protection (ACH or Check) $20 Per item $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.