Bank of San Francisco offers a variety of personal banking products and services to meet our clients’ unique needs.
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:
Enjoy our standard checking account with the following benefits:
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:
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).
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:
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.
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.
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.
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.
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).
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.
Transfer funds quickly and securely between your Bank of San Francisco accounts and any other domestic or international financial institution.
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.
Use your Bank of San Francisco Personal Debit Card to withdraw cash at ATM machines worldwide and be reimbursed for any fees incurred.
Take advantage of our onsite public notary to authenticate your important documents.
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.