PERSONAL CHECKING AND SAVINGS

Personal Checking

Enjoy our standard checking account with the following benefits:

  • No monthly maintenance fee with a minimum average collected balance of $1,000 or more
  • Access to online and mobile banking
  • Unlimited transactions
  • Online check images and eStatements at no charge
  • The convenience of a Visa Debit card
  • Online and mobile banking eStatements available

Personal Interest Checking

Our Individual Interest Checking Account allows you to earn a competitive interest rate while meeting your checking needs. With this account, you can enjoy:

  • No monthly maintenance fee with a minimum average collected balance of $5,000 or more
  • Competitive, tiered interest rates
  • Access to online and mobile banking
  • Unlimited transactions
  • Online check images and eStatements at no charge
  • The convenience of a Visa Debit card
  • Online and mobile banking eStatements available

Personal Savings

Save for a rainy day or your next vacation. With an average collected balance of $1,000 or more, avoid service charges and accrue interest daily (compounded and credited to your account quarterly).

  • Access to online and mobile banking
  • Up to six electronic or check withdrawals per month
  • Unlimited in-person transactions

Personal Money Market

Bank of San Francisco’s flexible Personal Money Market interest-bearing account allows you to earn a competitive interest rate on your dollars. A minimum opening balance of $5,000 is required. This account offers the following benefits to Bank of San Francisco personal banking clients:

  • No monthly maintenance fee with a minimum average collected balance of $5,000 or more
  • Competitive, tiered interest rates
  • Up to six electronic or check withdrawals per month
  • Unlimited in-person transactions
  • Access to online and mobile banking
  • Online and mobile banking eStatements available

Certificates of Deposit*

Choose from a variety of fixed rate Certificates of Deposit (CDs) with terms from seven days to five years. With a minimum investment of $1,000, this investment vehicle allows you the security of a guaranteed interest rate for a period of time that best fits your needs. The interest you earn can be reinvested in the CD, transferred to another Bank of San Francisco account, or paid by check to you at an interval you choose – monthly, quarterly, semi-annually, or at maturity.

Flex Certificates of Deposit*

Have access to your money when you need it. Bank of San Francisco’s Flex CD allows you to enjoy the high rate of a traditional CD with the flexibility of a savings account.

With a minimum initial investment of $10,000, you will earn interest at the prevailing interest rate for the life of the CD. However, if rates rise, you have the flexibility to increase the interest rate once before the stated maturity date. You also have unlimited flexibility to increase your CD and the flexibility to make a one-time withdrawal of up to 50 percent of your CD prior to maturity.

Traditional and Roth IRAs*

Earn tax-deferred, or tax-free growth with an Individual Retirement Account (IRA) as you save for retirement.

In a fixed-rate time deposit with terms ranging from 12 to 60 months, we have the IRA that is best suited for you.

Please contact us to speak with a specialist.

*Early withdrawal/closure penalties may apply.