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How to Avoid Fees

Keep Track

Record your deposits and withdrawals. Knowing how much money is in your account can help avoid overdraft and return item fees. Register for online and mobile access so you’ll have all your account information right at your fingertips!

Set up Direct Deposit

Having your paycheck sent right to your account is a great convenience for you. You’ll have access to your funds right away and it can help you avoid inactive, overdraft, and return item fees! Be sure to get a Debit Mastercard for even easier 24/7 access to your funds.

Apply for Kwik Kash

An overdraft line of credit product that can be used to help protect you when an error is made in your checking account or advance yourself a loan without a ding to your credit report! Make a monthly payment on advances at a competitive interest rate.

Apply Today

Free Bill Pay

Scheduling payments through our Online service has never been easier... Just enter the payee’s information and pick the date you want it to be paid! You can modify or cancel payments before they’re sent out, giving you control to help avoid fees like stop payment, courtesy pay, overdraft, and return item.

Use our ATMs

We allow free unlimited ATM transactions at machines we own. This will save you the $1.00 Foreign ATM fee plus the often-pricey surcharge the owner of the ATM may impose!

SFCU also participates in the CO-OP Surcharge Free ATM network. The advantage to you? You can use your SFCU card at a CO-OP ATM and not be charged that annoying surcharge! Our low Foreign ATM fee will still apply because it’s not owned by SFCU, but the savings will be worth it! Use the CO-OP ATM Locator to find a surcharge free ATM near you.

CO-OP ATM Locator

We will be CLOSED Saturday, May 25th and Monday, May 27th in observance of Memorial Day. If you are contacted and asked to provide your online banking credentials, passwords or any other SFCU account information, do not share this confidential information! Immediately hang up and call us at the phone number provided on our website during regular business hours. Scammers may try to represent themselves as SFCU staff or create a sense of urgency. Do not become a victim of fraud.