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OUR SERVICES

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PERSONAL BANKING

Services + Products

Bank of San Francisco offers a variety of personal banking products and services to meet our clients’ unique needs.

Residential Mortgages

Bank of San Francisco offers competitive rates on mortgages for owner-occupied residential properties, second homes, and 1-4 unit investment properties. Whether purchasing or refinancing, we offer a variety of mortgage solutions including fixed rate and adjustable rate loans*. Additionally, our Residential Lending Division offers:

  • Loans up to $6 million for the purchase of a new home
  • Refinancing of your primary home or vacation property
  • Bridge Loan Program
  • Lot construction financing
  • Land acquisition financing
  • Jumbo loans, conforming loans, and interest only loans
  • Local underwriting, document preparation and funding
Deposits

Personal Checking*

Enjoy our standard checking account with the following benefits:

  • No monthly service charges with a minimum average collected balance of $1,000 or more
  • Access to free Online Banking
  • Unlimited transactions
  • Check images and statements at no charge
  • The convenience of a Visa® Personal Debit Card**
  • eStatements available

Individual 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 service charges with a minimum collected balance of $5,000 or more
  • Competitive, tiered interest rates
  • Access to free Online Banking
  • Unlimited transactions
  • Check images and statements at no charge
  • The convenience of a Visa® Personal Debit Card**
  • eStatements available

Personal Basic Savings *

Save for a rainy day or for 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 free Online Banking
  • Up to six pre-authorized transfers per month (per federal regulations)

Personal Money Market *

An interest bearing account with flexibility, Bank of San Francisco’s Personal Money Market 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 service fee with a balance of $5,000 or more
  • Competitive, tiered interest rates
  • Up to six pre-authorized transfers per month (per federal regulations)
  • Access to free Online Banking
  • eStatements available

Certificates of Deposit***

Choose from a variety of fixed rate Certificates of Deposit (CDs) with terms from seven (7) days to five (5) 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 on this investment 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 take a one-time withdrawal of up to 50% of your CD prior to maturity.

Loans

Home Equity Lines of Credit**

Borrow funds against your home equity to meet your personal needs.

Home Equity Loans**

Our clients can take advantage of a home equity loan to meet their cash flow needs, whether it’s to consolidate debt, remodel a home, or send a child off to college.

Unsecured Revolving Line of Credit **

Access cash when you need it with a personal line of credit from Bank of San Francisco.

Overdraft Protection Line of Credit **

We offer our clients overdraft protection lines of credit at a competitive interest rate.

Other Services

Free Bill Pay

Tired of writing checks and keeping up with payment deadlines? Use our free Bill Pay service to pay virtually anyone – companies or individuals – at any time.

Free Online Banking

Get up-to-the-minute information on balances and transactions, download statements, and more through Bank of San Francisco’s Online Banking portal.

Mobile Banking

Access your accounts on the go with  Mobile Banking from Bank of San Francisco. Our mobile banking application allows you to access real-time account information, transfer funds between accounts, view transaction histories, and more.

Telephone Banking 

Our telephone banking system provides up-to-date account information 24-hours a day. You also can transfer funds between accounts, make loan payments, change your PIN, and even order a fax of your account transactions. To use our telephone banking system call 855.888.BOSF (2673).

Credit Cards**

At Bank of San Francisco, our industry leading consumer credit card products offer competitive pricing combined with a full range of reward options – making it easy to select and apply for the card that meets your needs.

Wire Transfers

Transfer funds quickly and securely between your Bank of San Francisco accounts and any other domestic or international financial institution.

Foreign Drafts 

Bank of San Francisco offers Foreign Drafts as a convenient way for you to make payments to your foreign vendors/service providers in their own currency.

ATM/Debit Cards

Use your Bank of San Francisco Personal Debit Card to withdraw cash at ATM machines worldwide and be reimbursed for any fees incurred.

Notary Public

Take advantage of our onsite public notary to authenticate your important documents.

Direct Deposit 

Save time and hassle by signing up for Direct Deposit of your paychecks or other income sources.

* Refer to account disclosures for full details.
** Subject to credit approval.
*** Early withdrawal/closure penalties may apply.
**** Subject to approval.