View list of participating institutions here.

Transcription

Participating
Institutions
Directory
February 2012
www.bankonsf.org
1
WELCOME TO BANK ON SAN FRANCISCO!
When people don’t have an account at a bank or credit union, they’re vulnerable to a number of financial
threats. Check-cashing services hit them with sky-high service fees. Predatory lenders trap them in cycles
of debt. Because they keep money in cash, a loss or theft or disaster can wipe them out.
A checking or savings account is a critical part of financial empowerment. With an account, people keep
more of their money. They build a relationship with a financial institution — essential for saving,
borrowing, and long-term financial planning. When people are banked, they’re in a position to contribute
to the overall health of the City.
THE STORY OF BANK ON SAN FRANCISCO
In 2005, we looked into the number of households in the city living without a checking or savings account.
The results found about 50,000 unbanked households. Disturbingly, that figure included approximately
half of San Francisco’s adult African-Americans and Latinos.
A committee comprising the Treasurer’s Office, the New America Foundation, the Federal Reserve Bank
of San Francisco, and the nonprofit organization EARN worked with local community organizations,
banks, and credit unions to develop a new program to bank the unbanked. Our initial goals were:
Change policies. Create opportunities for lower-income clients to enter the financial mainstream.
Modify accounts. Create products without high fees or minimum balances.
Raise awareness. Raise awareness of the benefits of being banked.
Provide financial education. Help San Franciscans learn more about how to manage money.
Bank on San Francisco ultimately partnered with fourteen banks and credit unions. The group set an
initial goal of banking 10,000 unbanked San Franciscans in two years. Results have been strong: the
program has helped bank an average of 10,000 people per year since launch. There are now Bank On
programs in cities and states across the USA.
We know that we cannot connect with our target communities without the help of trusted messengers
who can explain the benefits of banking and encourage unbanked clients or employees to open a suitable
account with a partner bank or credit union. You are encouraged to use this directory as a reference to
help your clients find the banking relationship that best meets their needs. We also hope that you will
work closely with the partner institutions to deliver additional value added benefits to your clients such
as financial education training, free tax preparation, and other asset building opportunities.
If you have any questions or suggestions, please visit our websites www.bankonsf.org and www.sfofe.org
or email us at sf.ofe@sfgov.org.
Sincerely,
José Cisneros
Treasurer, City and County of San Francisco
2
Table of Contents
Page
Overview of Financial Institutions and Branch Locations
4
Overview of products offered by participating institutions
5
Bank of America
7
Bank of the West
11
Chase
13
Citibank
16
Community Trust
19
East West Bank
21
Northeast Community Federal Credit Union
24
Patelco Credit Union
25
Redwood Credit Union
27
San Francisco Federal Credit Union
28
Spectrum Federal Credit Union
30
Union Bank
32
US Bank
34
Wells Fargo
37
3
1
1
3
1
2
Other
Neighborhoods*
1
1
1
1
1
Portola /
Visitation Valley
1
Excelsior/Ocean
View
4
Mission
4
3
1
4
Bayview/
Hunter’s Point
5
2
4
3
Soma/ Potrero Hill
Civic Center/
Tenderloin
Bank of America
Bank of the West
Chase
Citibank
Community Trust
Northeast Community Credit Union
Patelco Credit Union
Redwood Credit Union
San Francisco Federal Credit Union
Spectrum Federal Credit Union
Union Bank
East West Bank
US Bank
Wells Fargo
Chinatown/
North Beach
Participating Financial Institutions by
Neighborhood
Downtown/
Financial District
Which financial institutions are in your community?
2
1
2
1
28
4
14
16
2
1
1
1
1
1
1
1
2
1
3
7
3
1
1
3
1
3
1
1
1
1
2
1
3
1
1
2
2
2
1
* Includes Haight, Castro, Richmond, Sunset, West Portal, Daly City and other San Francisco neighborhoods
For Monthly Financial Management Workshop Calendar please visit www.sfsmartmoneynetwork.org and click on ‘Workshop Calendar’
4
1
7
9
19
What are your banking needs?
Browse the account features, services and fees to best find the financial institution that serves your needs.
Bank of America
Bank of the
West
Chase
Citibank
Community Trust
East West Bank
$25
$100
$25
$100
$10
$100
$0
$0
$0
$0
$0
$0
$12**
$10**
$10**
$10**
$3
$0
Checks included
Yes
Yes
Yes
Yes
No
Yes
Check/Debit Card included
Yes
Yes
Yes
Yes
Yes
Yes
Online Bill Pay
Alternative IDs Accepted as Primary
Identification
Open Accounts for customers with
ChexSystems History
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Remittance products available
Yes
No
No
Yes
Yes
Yes
Wire Transfers
Yes
Yes
Yes
Yes
No
No
Money Orders
Yes
Yes
Yes
Yes
Yes
No
Offer Financial Education
Yes
No
No
Yes
Yes
Yes
Yes
No
No
Yes
No
Yes
$34/day
$34
$20-25
$18/item
$34/day
$34
$20-25
$18/each
Minimum Opening Deposit
Minimum Balance
Monthly Fee
First Overdraft Fees Waived
Overdraft Fees
Bounced Check Fee
$35/day
$35/day
$35/item
/day
$26/day
**Fee waived with Direct Deposit or meeting individual institutions monthly balance requirements. See specific institutions product page for more information.
5
What are your banking needs?
Browse the account features, services and fees to best find the financial institution that serves your needs.
Northeast
Community
Credit Union
Patelco Credit
Union
Redwood
Credit Union
San Francisco
Federal Credit
Union
Spectrum
Federal Credit
Union
Union Bank
US Bank
Wells
Fargo
Minimum Opening
Deposit
$25
$10
$5
$10
$100
$100
$50
$100
Minimum Balance
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$5
$0
$10**
$8.95**
$5**
Checks included
Check/Debit Card
included
No
Yes
Yes
No
Yes
Yes
Yes
No
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Online Bill Pay
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Alternative IDs Accepted
as Primary Identification
Open Accounts for
customers with
ChexSystems History
Remittance products
available
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes
Yes
Yes
No
Yes
Yes
Wire Transfers
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Money Orders
Offer Financial
Education
First Overdraft Fees
Waived
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes
Yes
No
No
No
No
Overdraft Fees
Bounced Check Fee
$20-25/item
$20-25/each
$28/item
$28/each
$23/item
$23/each
$22/item
$22/each
$29/item/day
$29/each
$36/item
$34/each
$10-34/item
$10-34/ each
$35
$35/ each
Monthly Fee
**Fee waived with Direct Deposit or meeting individual institutions monthly balance requirements. See specific institutions product page for more information.
6
Product Name: MyAccess Checking
Account Features:
Opening Deposit Requirement: $25
Minimum Balance: $0
Checks
Debit card
Bill pay
Fees:
Monthly Fee: $12 (waived with direct deposit)
Overdraft/Insufficient Funds: One-time waiver of NSF/OD for Bank on San Francisco customers.
Thereafter, the first day your account has an occurrence1 you will be charged $35 a day. Fee will
increase for subsequent occurrences. Overdraft protection is available.
Bounced Check: The same fee policy for NSF/OD items apply to bounced checks.
Out of Network ATM: Your account will be charged $2 every time a non-Bank of America ATM is
used to make withdrawals; $5 for transactions in a foreign country.
Alternative IDs Accepted as Primary Identification. Secondary identification may be requested
 Mexican Matrícula Consular ID
 Guatemalan Consular ID
 Columbian Consular ID
 Dominican Republic Consular ID
 Tribal ID
 Mexican Voter Registration ID
 Any foreign passport
 American Samoa driver’s license
 Canadian driver’s license
 Guam driver’s license
 Mexican driver’s license
 Northern Mariana Islands driver’s
 Puerto Rican driver’s license
 U.S.
Virgin Islands driver’s license
license
ChexSystems Policy: Bank of America will open an account for persons with NSF/OD history on
ChexSystems, excluding those who have fraud related histories.
 If the ChexSystems history is over one-year old, the customer must clear any ChexSystems
outstanding balances with Bank of America

1
If the ChexSystems history is less than one-year old, the customer must clear all
ChexSystems outstanding, including Bank of America and other financial institutions. Bank
of America does not require financial management training.
an “occurrence” is a day with at least one overdraft item or one returned item
7
Special Features:
Remittance Product: SafeSend—remittance service that enables Bank of America personal
checking account customers in the U. S. to transfer funds for FREE to family and friends in
Mexico.
Wire Transfers: Domestic incoming and outgoing wire transfers available from $10 - $45
Savings Incentive: Keep the Change. Each time the Bank of America debit card is utilized; we
round your purchase to the nearest dollar and transfer the difference from your checking
account to your savings account. For the first three months, we’ll match your savings at 100%.
And when the three months are over, we’ll continue contributing 5% a year, every year—to
make it even easier to save. This reward will be paid annually to your savings account.
Savings Account Requirement: $300 in balances OR automatic monthly transfer to waive fee.
Costs $5 per month if balance or if automatic transfer is not maintained.
Financial Education Training: Financial literacy material available at time of account opening
Go Direct: Direct deposit available
Free online banking with Bill Pay (internet access required)
Free Bank of America Visa® Check Card with Total Security Protection® and Photo Security®
Ability to access accounts at more than 18,000 Bank of America ATMs coast to coast. There are
no ATM fees for withdrawals, transfers and balance inquiries at ATMs displaying the Bank of
America name and logo.
Check safekeeping. Check images and deposits available via online banking up to ninety days.
Bank of America Locations
All Bank of America banking locations in the City and County of San Francisco are participating in the Bank
on San Francisco program. Languages available depend on the community the branch serves and include:
Spanish, Chinese, Tagalog, Vietnamese, Hmong and Korean. Branches are generally open Monday – Friday,
9AM – 6PM and Saturday, 9AM – 2PM. Please call the branch directly for its hours.
Branch
Address
Manager
Phone Number
Bayview
5000 3rd St.
Freda Parker-Love
(415) 822-9590
Civic Center
1525 Market St.
Duane Miller
(415)622-5101
Downtown/Union
1 Powell St.
Cathy O’Shea
(415) 837-1394
Mission
2701 Mission St.
Gisela Delgado
(415) 401-1554
Mission
3250 Mission St.
Carlos Avalos
(415) 401-1582
Van Ness
1640 Van Ness Ave.
Dennis Peng
(415) 622-4452
Square
8
Excelsior
15 Ocean Ave.
Tiffany Jew
(415) 622-3240
Portola
2485 San Bruno Ave.
Joe Kwong
(415) 715-2885
Oceanview
5150 Mission St.
Joe Scampini
(415) 622-4233
Visitation Valley
6 Leland Ave.
Sandra Gutierrez
(415) 406-1463
4th & Brannan
501 Brannan St.
Diana Tse
(415) 622-6615
7th & Clement
600 Clement St.
William Chan
(415) 622-6730
21st & Irving
1945 Irving St.
Robin Cheng
(415) 622-4863
38th & Balboa
3701 Balboa St.
Man Lam
(415) 622-0564
50 California
50 California St.
Brandon Vo
(415) 622-4465
Bernal Heights
433 Cortland Ave.
Yolanda Ramirez
(415) 401-1570
Buena Vista Park
1275 Fell St.
Marcia Zepeda
(415) 241-5161
Castro
501 Castro St.
Michael Hager
(415) 622-5990
Chestnut Street
2200 Chestnut St.
Germaine Milber-Rush
(415) 953-2472
Columbus
1455 Stockton St.
Nancy Chen
(415) 622-2361
Diamond Heights
5268 Diamond Heights
Troy Johnson
(415) 953-2772
Blvd.
Geary-Masonic
2835 Geary Blvd.
Carlos Alfonso
(415) 447-4763
Golden Gateway
500 Battery St.
Angel Reyes
(415) 622-0138
Lakeshore Plaza IS
1515 Sloat Blvd
Wes Lind
(415) 622-5235
Laurel Village
3565 California St.
Balvinder Birak
(415) 622-2875
Mandarin Tower
944 Stockton St.
Sheryl Wong
(415) 622-6398
Market-New
33 New Montgomery
Jon Wiesner
(415) 624-1319
Noe Valley
4038 24th St.
Becky Feijoo
(415) 401-1682
Noriega-31st.
2325 Noriega St.
Rosemarie Clark
(415) 622-4321
One Market Plaza
1 Market St.
Robert Estilo
(415) 222-7457
Union Square
445Powell Street
Pacific Heights
2310 Fillmore St.
Leslie Horgan
(415) 622-4211
Parkside
1007 Taraval St.
Margaret Chow
(415) 242-8712
Potrero Design Center
680 8th St.
Adriana Gaitan
(415) 622-5979
Richmond District
5500 Geary Blvd.
Bonnie Huynh
(415) 622-4054
Montgomery
(415) 622-2949
9
San Francisco Main
345 Montgomery St.
Ilana Orin
(415) 622-9347
San Francisco Produce
2090 Jerold Ave.
Edith Lule
(415) 401-1751
Stonestown
245 Winston Dr.
Wendy Lam
(415) 622-5446
Sunset
800 Irving St.
Kevin Guan
(415) 622-7932
Union Street
1995 Union St.
Hailey Curtner
(415) 622-0471
West Portal
288 West Portal Ave.
Heather Prochazka
(415) 622-5350
10
Product Name: Easy Checking
Account Features:
Minimum Balance: $0
Checks
Debit card
Bill pay
Fees:
Overdraft/Insufficient Funds (NSF/OD): The first and second occurrence is $26 each; third and
beyond occurrences are $35 each (daily maximum charge $170)
Bounced Check: 1 to 2 occurrences $20 each; 3+ occurrences $25 each (daily max $170)
Out of Network ATM: Your account will be charged $3.50 for using non-Bank of the West ATMs (a
fee may also be assessed by the non-Bank of the West ATM).
Alternative IDs Accepted as Primary Identification. Bank may request a secondary form of ID.



Mexican Matrícula Consular ID
Valid U.S. or Foreign Passport
Valid military ID


Guatemalan Consular ID
Valid U.S. State issued driver’s license or ID
ChexSystems Policy: Bank of the West will open an account for persons with NSF/OD history
on ChexSystems except for those with fraud related histories.
 If the ChexSystems history is more than one year old and not fraud related, the account
will be opened as usual.

If the ChexSystems history is less than one year old and not fraud related, the account
will be opened on the condition that the customer completes financial management
training.
Special Features:
Wire Transfers: Domestic wires $30; International wires $35
Go Direct: direct deposit available
11
Bank of the West Locations
Most locations are open Monday –Thursday from 9AM – 5PM, Friday 9AM – 6PM, and Saturday 9AM –
1PM.
Branch
Address
Manager & Phone
Languages
Spoken
Daly City
321 Gellert Boulevard
John Verzosa
Tagalog, Italian, Arabic
(650) 994-1492
Financial
295 Bush Street
District
Lakeside
2606 Ocean Avenue
Joanna Duthler
Spanish, German, French,
(415) 765-4886
Hindi, Punjabi, Tagalong
Ryan Terry
Chinese, Spanish, Tagalog
(415) 239-8932
Mission
2812 Mission Street
th
Montgomery St
Maria Huaman
(Mission & 24 St.)
(415) 821-4900
505 Montgomery Street
Raymond Hung
English, Spanish
English, Chinese
(415) 616-8833
North Beach
480 Columbus Avenue
(415) 982-1344
English
One Front St
One Front Street
Steve Adatepe
English, Chinese
(415) 597-5300
SF Main
295 Bush Street
Joanna Duthler
English, Spanish, French,
(415) 765-4886
German, Tagalog, Hindi,
Punjab, Vietnamese
South San
2288 Westborough
Francisco
Boulevard
Westlake
239 Westlake Center
(650) 871-7455
Tagalog, Chinese
Foroz Yousefi
Chinese, Tagalog, Farsi,
(650) 756-5570
Portuguese, Arabic,
Spanish
12
Product Name: Chase Total Checking
Account Features:
Minimum Balance: $0
Checks
Debit card
Bill pay
Fees
Monthly Fee: $10 unless have direct deposits of $500 or more
Overdraft/Insufficient Funds: overdraft protection coverage $12.95; if no coverage $34
Bounced Check: $34
Out of Network ATM: $2
Accepted Primary Identification. Secondary identification may be requested


Accepted Secondary Identification. Bank may request a secondary form of ID.




Certificate of naturalization
Recent utility bill
Union or trade membership card
Certificate of naturalization




Residential lease or rental agreement
Student ID card
Employee bade
Travel Visa
ChexSystems Policy: Customers with ChexSystems history may qualify for a Chase account, talk to personal
banker for details.
Special Features
Wire Transfers. Domestic $30, international $40
13
Chase Locations
Branch
Address
Manager & Phone
Hours
Chinatown
1040 Grant Ave.
Susan Wong
(415) 421-5421
Monday-Friday, 9AM-6PM,
Saturday, 9AM-1PM
Civic Center
1201 Market St.
James Paron
(415) 241-8700
Saturday, 9AM-1PM
Daly City
5 Southgate Ave.
Tra Thach
(650) 301-1700
Saturday, 9AM-1PM
Daly City
326 Gellert Blvd.
Mirav S. Dahbour
(650) 994-2903
Saturday, 9AM-1PM
Daly City
2800 Junipero Serra
Blvd.
Carmen J. Martinez
(650) 991-9122
Saturday, 9AM-1PM
Financial District
700 Market St.
Hatien T. CongtangNguyen
(415) 274-3500
Monday-Friday, 9AM-6PM
Financial District
401 California St.
Ting Ngan
(415) 788-1037
Financial District
100 Pine St.
Robert K. Lee
(415) 984-0472
Financial District
2 Embarcadero Ctr.
Lisa Anne Bashir
(415) 984-0960
Marina
2166 Chestnut St.
Jose Corpuz
(415) 931-3393
Saturday, 9AM-1PM
Marina
2750 Van Ness Ave.
Jennifer T. Congtang
(415) 474-5052
Saturday, 9AM-1PM
Mission
2900 Mission St.
Joseph Andrew Karsada
(415) 824-3313
Saturday, 9AM-1PM
Noe Valley
3998 24th St.
Mansoor Rahmani
(415) 285-3040
Saturday, 9AM-1PM
Northpoint
360 Bay St.
Ricky Cheung
(415) 477-9028
Saturday, 9AM-1PM
14
Polk
Nicole Barletta
(415) 749-6535
Saturday, 9AM-1PM
2300 16th St., Ste.290
Adolfo B. Ferretti
(415) 703-0443
Saturday, 9AM-1PM
Richmond
5655 Geary Blvd.
Olga N. Kartsev
(415) 750-5273
Saturday, 9AM-1PM
Richmond
301 Clement St.
Winnie Ng
(415) 386-8988
Saturday, 9AM-1PM
SoMa
255 King St. Ste D,E,&F
Vikram Anand
(415) 348-1002
Saturday, 9AM-1PM
Sunset
2323 Irving St.
Crystal B. Joubert
(415) 759-2070
Saturday, 9AM-1PM
Sunset
1811 19th Ave.
Lisa Ho
(415) 759-4240
Saturday, 9AM-1PM
The Haight
1720 Fulton St.
Bryce Brownlie
(415) 409-4820
Saturday, 9AM-1PM
West Portal
98 W. Portal Ave.
Vikram Anand
(415) 681-3444
Saturday, 9AM-1PM
West Portal
926 Taraval St.
Fang S. Lien
(415) 753-3711
Saturday, 9AM-1PM
Potrero
1500 Polk
15
Product Name: Basic Checking
Account Features:
Minimum Balance: $0
Checks
Debit card
Bill pay: Free online bill pay available (there is a fee for scheduling bill payments through a
CitiPhone representative each month a bill payment is scheduled)
Fees:
Out of Network ATM: $2 per transaction. Dollar amount limits apply.
Overdraft/Insufficient Funds: Approved based on individual credit
Alternative IDs Accepted As Primary Identification. A secondary form of ID required, see below.
 Columbian Consular ID

Alternative IDs Accepted as Secondary Identification. Any ONE of the following:
 National Credit Card
 Bank issued debit card with MC/Visa log







Letter of Introduction from a bank
Non-photo government aid card (Welfare,
Medicaid or Food Stamp Card)
Pay stub (must be current and computer
generated)
W-2 form, 1099 tax form
Photo trade license
Union Card
Employee photo ID card




Accredited university, employer, or
embassy reference letter
Utility bill (including cellular phones): must
be less than 30 days old and reflect name
and address of the individual opening
account
Vehicle registration document and title
certificate
Certified birth certificate
ChexSystems Policy: Citibank will open an account for persons with NSF/OD history on ChexSystems that is
older than one-year, except for those with fraud related histories.

If the ChexSystems history is more than one year old and not fraud related, the account will be
opened as usual.
16
Special Features:
Remittance Product
Wire Transfers
Money Orders
Cashiers’ Checks
Financial Education Training
Go Direct
SSN not required for U.S. signers
Citibank Locations
Branches are generally open Monday – Thursday, 9am – 5pm and Friday, 9am-6pm, and on Saturday,
9am – 1pm. Please call the branch directly for exact hours.
Branch
Address
Phone Number
Hours
21st & Irving
2000 Irving St.
(800) 756-7047
Monday - Thursday 9-5, Friday 96pm, Saturday 9-1pm
California St.
260 California St.
(800) 756-7047
444 Castro St.
(800) 756-7047
1399 Post Street
(800) 756-7047
845 Grant Ave
(800) 756-7047
Chinatown/Jackson
1000 Grant Ave.
(800) 756-7047
Monday – Thursday 9-5, Friday 96pm, Saturday 9-4pm
Excelsior
4638 Mission St.
(800) 756-7047
Monday - Thursday 9-5, Friday 9-
Castro
Cathedral Hill
Chinatown
6pm, Saturday 9-1pm
Financial District
245 Market St.
(800) 756-7047
Glen Park
2895 Diamond
Street
(800) 756-7047
17
International
Banking Center
451 Montgomery
(800) 756-7047
St.
Marina
2198 Chestnut
(800) 756-7047
Market St.
590 Market St.
(800) 756-7047
North Beach
580 Green Street
(800) 756-7047
PG&E Plaza
245 Market Street
(800) 756-7047
99 Post Street
(800) 756-7047
Potrero Hill
350 Rhode Island
(800) 756-7047
Presidio Heights
3296 Sacramento
St
(800) 756-7047
Richmond
4455 Geary Blvd.
(800) 756-7047
701 Irving St.
(800) 756-7047
Monday - Thursday 9-5, Friday 9-
Post
Sunset/Irving
6pm, Saturday 9-1pm
Van Ness
1801 Van Ness Ave
(800) 756-7047
18
Product Name: Access Checking
Account Features
Minimum balance: $0
Checks
Debit card
Bill Pay
Account Fees
Monthly Fee: $5 (fee waived with direct deposit)
Overdraft/Insufficient Funds: $20 for every NSF/OD item
Bounced Check: $10 per check
Out of Network ATM: Free, other financial institutions may charge for use of their ATM
Alternative IDs Accepted As Primary Identification.


Passport
ChexSystems Policy: Community Trust will open an account for persons with NSF/OD history on
ChexSystems, except for those with fraud related histories.
 If the ChexSystems history is more than one-year old and not fraud related, the account will be
opened as usual once outstanding overdraft owed to Community Trust has been paid.
Other Features:
Remittance Product: $10 up to $500
19
Community Trust Locations
Branch
CPMC Davies
Campus
Address
Phone Number
Hours
45 Castro Street
(415) 565-6343
Monday 8am – 12pm
Wednesday 10am – 12pm
Friday 8am – 12pm
Mission District
3269 Mission Street
(415) 431-2268
Monday, Tuesday, Thursday 9am –
5pm; Wednesday 10am – 5pm;
Friday 10am – 6pm
Saint Francis
Memorial
Hospital Branch
900 Hyde Street, 2nd
Floor
(415) 353-6382
Monday, Wednesday, Friday
1:30pm – 4pm
San Francisco
Federal Building
Branch
90 7th Street,
Annex, 2nd Floor,
Suite 850
(415) 255-8113
Tuesday & Thursday 9am – 4pm
U.S. Customs
Building Branch
555 Batery Street,
Suite 121
(415) 956-0655
Monday, Tuesday, Thursday, Friday
9am – 4pm; Wednesday 10am –
4pm
20
Product Name: East West Value Checking
Account Features:
Minimum Balance: $0
Checks
Debit card (six months after opening account, upon customer request)
Bill Pay
Fees:
Monthly Fee: $0
Overdraft/Insufficient Funds: $18 for every occurrence (one set of OD/NSF fees waived in first year)
Bounced Check: $18 for every bounced check (one set of OD/NSF fees waived in first year)
Out of Network ATM: Usage fees may be charged depends on the provider operating the nonproprietary ATM

ChexSystems Policy: East West Bank will open an account for persons with NSF/OD history on
ChexSystems that is not fraud related.
 If the ChexSystems history is over one-year old and not fraud related, the account will be
opened as usual.
 If the ChexSystems history is less than one-year old and not fraud related, financial management
training must be completed by customer.
Special Features:
Remittance Product (available six months after opening account)
Financial Education Training: Money Smart
Go Direct: Direct deposit available
One free order of checks at account opening
21
East West Bank Locations
Tellers at all East West Bank locations speak Cantonese, Mandarin and Spanish.
Branch
Address
Balboa
3601 Balboa Street
Broadway
1301 Stockton
Clement
Manager & Phone
Hours
Naomi Tam
(415) 668-3700
Monday-Thursday, 9AM5PM, Friday, 9AM-6PM,
Saturday, 9AM-2PM
Hubert Gee
Monday-Thursday, 9AM-
Street
(415) 989-4088
5PM, Friday, 9AM-6PM,
Saturday, 9AM-4PM,
Sunday, 9AM-1PM, First
three days of the month
- open early at 7:30 am
498 Clement Street
Rosa Cheung
(415) 668-6888
Saturday, 9AM-4PM,
Sunday, 9AM-1PM
Geary
5501 Geary
Boulevard
Daniel Leung
(415) 933-6128
Saturday, 9AM-4PM
Irving
2219 Irving Street
Celia Wong
(415) 566-8100
Saturday, 9AM-4PM,
Sunday, 9AM-1PM
Kearny
900 Kearny Street
George Fung
(415) 397-8988
Saturday, 9AM-4PM
Montgomery
555 Montgomery
Street
Michael Kay
(415) 391-8912
Monday-Thursday, 9AM5PM, Friday, 9AM-6PM
22
Noriega/20th Ave.
1301 Noriega Street
Christina Chang
Monday-Thursday, 9AM-
(415) 665-7423
5PM, Friday, 9AM-6PM,
Saturday, 9AM-2PM
Noriega/32nd Ave.
2533 Noriega Street
Helen Wong
(415) 681-5333
Saturday, 9AM-2PM
SF Chinatown
1066 Grant Avenue
Stephen Fong
(415) 391-1450
Saturday, 9AM-4PM,
Sunday, 9AM-1PM, First
three days of the month
- open early at 7:30 am
Washington
743 Washington
Street
Cynthia Lau
(415) 421-5215
23
Saturday, 9AM-4PM
Product Name: Second Chance Checking
Account Features:
Minimum Balance: $0
Checks
Debit Card
Bill Pay
Fees:
Monthly Fee: $0
Overdraft/Insufficient Funds: $20 - $25
Bounced Check: $20 - $25
Alternative IDs Accepted as Primary Identification. Secondary identification may be requested

ChexSystems Policy: Northeast will open an account for persons with NSF/OD history on ChexSystems that
is not fraud related.
 If the ChexSystems history is over one-year old and not fraud related, the account will be opened and
the customer must clear all ChexSystems outstanding and agree to complete financial management
training.
Special Features:
Financial education training: Budgeting & Credit
Go Direct
Northeast Community Federal Credit Union Locations
Branch
Address
Chinatown
683 Clay St.
Manager & Phone
Lily Lo
Hours
(415) 434-0738
Tenderloin
288 Jones
Lily Lo
(415) 441-7283
Howard
992 Howard St.
(415) 546-3997
Visitacion Valley
29 Leland Ave
(415) 333-9966
Monday-Friday, 11AM –
3PM
24
Product Name: Free Checking
Account Features
Minimum Balance: $0
Checks
Debit card
Bill pay
Fees
Monthly Fee: $0
Overdraft/Insufficient Funds: Free overdraft protection and $20 for insufficient funds
Bounced Check: $28
Out of Network ATM: 3 free a month, $1 per transaction after at a non-federal credit union ATM
Alternative IDs Accepted as Primary Identification. Secondary identification requested, see below.



Passport

Driver’s License

Employer picture identification
Accepted Secondary Identification.
 Voter’s registration card

Student ID card
ChexSystems Policy: Patelco Credit Union will open an account for persons with NSF/OD history on
 If the ChexSystems history is over one-year old and not fraud related, the account will
be opened.

If the ChexSystems history is less than one-year old and not fraud related, the customer
must clear all ChexSystems outstanding and agree to complete financial management
training.
Special Features:
Wire Transfers
Financial Education Training
Go Direct: direct deposit available
Patelco Credit Union Locations
Most locations have the following hours: M-Th, 10AM – 6PM; F, 9AM – 6PM; Sat, 10AM – 2PM
25
Main Branch Hours: M, T and Th, 7:30AM – 5PM; W 9AM – 5PM; F 7:30AM – 6PM
Branch
Address
Daly City
65 Southgate Ave.
Alex Leon
(650) 985-1033
124 2nd St.
Julia Smay
SOMA
Manager & Phone
Hours
Languages Spoken
Monday-Thursday,
10AM-6PM,
Friday 9-6pm,
Saturday 10-2pm
Spanish, Tagalog,
Cantonese
Monday, Tuesday and
Thursday 7:30AM5PM, Wednesday,
Spanish, Tagalog,
Mandarin
9AM-5PM, Friday,
7:30AM-6PM
Sunset
1405 Noriega St.
Luis Gaerlan
Monday-Thursday,
10AM-6PM,;
Friday, 9AM-6PM;
Saturday, 10AM-6PM
26
Tagalog, Cantonese,
Mandarin
Product Name: No Fee Checking
Account Features:
Minimum Balance: $0
Checks
Debit card
Bill pay
Fees:
Monthly Fee: $0
Overdraft/Insufficient Funds: $23
Bounced Check: $23
Out of Network ATM: 3 free per month, $1 per transaction after the first 3.



California ID
ChexSystems Policy: Redwood Credit Union will open an account for persons with NSF/OD history on
 If the ChexSystems history is less than one-year old, not fraud related and monies owed
have been paid, the account will be opened with financial management training.
Special Features:
Remittance Product: Western Union and low cost wires.
Wire Transfer
Money Orders
Redwood Credit Union Location
Branch
Address
Manager &
Phone
Languages
Spoken
Hours
Tenderloin
1390 Market
Street
Any
Representative
(800) 479-7928
Spanish,
English
Monday to Friday, 8:30
a.m. – 5:00 p.m. Closed
Saturday & Sunday
Financial
District
241 California
Street
Any
Representative
(800) 479-7928
Spanish,
English
Monday to Friday, 8:30
a.m. – 5:00 p.m. Closed
Saturday & Sunday
27
Product Name: eChecking
Account Features:
Minimum Balance: $0
Checks
Debit card (if qualified)
Bill pay
Fees:
Monthly Fee: $5
Overdraft/Insufficient Funds: One time waiver per year.
Bounced Check: $22
Out of Network ATM: Free, but other financial institutions may charge fee.



California ID
ChexSystems Policy: San Francisco Federal Credit Union will open an account for persons with NSF/OD
history on ChexSystems that is not fraud related.
 If the ChexSystems history is over one-year old and not fraud related, the account will be
opened with financial management training and cleared debt with San Francisco Federal Credit
Union.
 If the ChexSystems history is less than one-year old and not fraud related, the account will be
opened with financial management training and must be cleared debt with San Francisco
Federal Credit Union.
Special Features:
Remittance Product: $30 via international wire transfer; prices vary for Western Union services
Wire Transfer: Domestic $15
Money Orders: $2 each
Financial Education Training: BALANCE tutorial (www.getinbalance.org)
San Francisco Federal Credit Union Locations
28
Branch
Address
Manager & Phone
Languages
Spoken
Hours
Main
770 Golden Gate
Ave
Bert Lee
(415) 359-2949
Spanish,
Cantonese,
Mandarin
Monday-Wednesday, Friday
8:30am - 5:30 pm; Thursday
10am-5:30pm; Saturday 9:00
am-3:00pm
Lakeside
Village
2645 Ocean Ave
Rich Moscardino
(415) 359-2919
Tagalog
Tuesday-Wednesday, Friday
am-3:00pm
Geary
4375 Geary Blvd.
Bernadette Bardine
(415) 359-2929
29
Cantonese,
Mandarin,
Tuesday-Wednesday, Friday
am-3:00pm
Product Name: Free Spirit Checking
Account Features:
Minimum Balance: $0
Share/Savings Account: $25 (required deposit to be a member)
Checks
Debit card
Bill pay
Fees:
Monthly Fee: $0
Overdraft/Insufficient Funds: $29, daily maximum $145
Bounced Check: $29
Out of Network ATM: May charge based on other financial institutions fee
Accepted Primary Identification. Secondary identification may be requested, see below.

Driver’s License

Student ID
 Military ID card
Accepted Secondary Identification.

Voter’s Registration

Student photo ID

Employee ID
ChexSystems Policy: Spectrum Federal Credit Union will open an account for persons with NSF/OD history
on ChexSystems that is not fraud related.
 If the ChexSystems history is over one-year old and not fraud related, the account will
be opened as usual.
 If the ChexSystems history is less than one-year old and not fraud related, the
customer must clear all ChexSystems outstanding and agree to complete financial
management training.
Special Features:
Remittance Product: Varies by country. Basic remittance fee is $10 for $1000.
Wire Transfers: In US $25, out of US $35
Financial Education Training: BALANCE tutorial (www.getinbalance.org)
30
Spectrum Federal Credit Union San Francisco Locations
Branch
Address
Manager & Phone
Hours
Languages Spoken
Financial District
50 Beale St.
Ricky Tolbert
Monday, Tuesday, Thursday,
Friday, 9AM – 4PM
Wednesday, 10AM – 4PM
Spanish, Tagalog
(415) 777-3960
31
Product Name: Essential Checking
Account Features:
Opening Deposit Requirements: $100
Minimum Balance: $0
Checks First 120 Wallet Size Checks Free
Debit Card
Bill pay
Fees:
Monthly Fee: $0
Bounced Check: $34
Out of Network ATM: $2 or $2.50 fee plus surcharges pass-through
Alternative IDs Accepted.

ChexSystems Policy: Union Bank will open an account for persons with NSF/OD history on ChexSystems,
except for those with fraud related histories. If the ChexSystems history is more than one year old and not
fraud related, the account will be opened as usual once outstanding overdraft owed is paid.
Special Features:
Wire Transfers
Money Orders
Cashiers’ Checks
Financial education training available online at www.unionbank.com. Visit the Education
Center within the “Personal” tab
Free Online Banking with Bill Pay for personal accounts
24 hour, automated telephone banking. This password protected service allows banking and
bill-payment by phone. Fees may apply for bill-pay by phone.
32
Union Bank Locations
Branch
Address
Manager &
Languages Spoken
Hours
Jerry Kassis
Chinese-Cantonese,
Monday - Friday
(415) 558-8703
Hindi, Punjabi,
9 am - 5 pm
Phone
8th &
640 Townsend St.
Townsend
Russian, Spanish
Laurel Heights
3473 California St.
(415) 379-5000
Tagalog, Samoan,
Monday - Thursday
Spanish
9 am - 4 pm,
Friday 9 am - 6 pm
Japan Center
1675 Post St.
Keiji Miyoshi
Chinese-Cantonese,
Monday – Thursday
(415) 252-0350
Japanese, Tagalog,
9 am - 4 pm,
Thai
Friday 10 am - 5 pm,
Saturday 10 am - 1 pm
San Francisco
400 California St,
Conchita Miller
Burmese, Chinese,
Monday - Friday
Main
1st Fl.
(415) 765-3434
Japanese, Korean,
9 am - 5 pm
Russian, Spanish,
Tagalog
Sutter &
44 Montgomery
Anthony Riddle
Korean, Spanish,
Monday - Friday
Montgomery
Street
(415) 288-9040
Tagalog, Vietnamese
9 am - 5 pm
33
Product Name: Second Chance Checking
Account Features:
Minimum Balance: $0
Checks
Debit card
Bill pay
Fees:
Monthly Fee: $8.95 statements (waived with direct deposit)
Overdraft/Insufficient Funds: Overdraft items paid that are $20 or less, it's a $10 fee. For overdraft
items paid that are $20.01 or more, it's a $34 fee.
Bounced Check: Same as above
Out of Network ATM: $2.50

ChexSystems Policy: U.S. Bank will open an account for persons with NSF/OD history on ChexSystems that is
not fraud related.
 If the ChexSystems history is over one-year old and not fraud related, the account will be opened as
usual.
 If the ChexSystems history is less than one-year old and not fraud related, debt with US bank must be
paid and financial management training is required.
Special Features:
Remittance Product: Money Gram—varies by country and transaction from $5.99 – $12.99
Wire Transfers: $15 - $50
Financial Education Training: available at www.usbank.com, About US Bancorp  Community
Relations
Go Direct
34
US Bank Locations
Branch
Address
Manager & Phone
Bayview
4947 Third St.
Corey Pang
(415) 330-1824
Burlingame
1188 El Camino
Real
Sapna Mehta
(650) 579-1181
California
101 California St.
Ste. 130
Jane Pang
(415) 399-8060
Monday-Thursday,
8AM-5PM,
Friday, 8AM-6PM,
Saturday, 9AM-2PM
Spanish
Castro
443 Castro St.
(415) 431-6700
Monday-Thursday,
8AM-5PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Spanish and
Tagalog
Civic Center
540 Van Ness Ave.,
(at McCallister)
Linda Lam
(415) 703-6080
Monday-Thursday,
8AM-5PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Tagalong
Downtown/
Union Square
525 Market St. (at
First Str.)
Cesario Calanoc
(415) 278-5050
Monday-Thursday,
9AM-6PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Russian,
Tagalog and
Cantonese
Excelsior
4610 Mission St.
Kalvin Lim
(415) 334-4600
Spanish and
Mandarin
Irvin
1850 Irving St.
Emei Wade
(415) 661-5353
Monday-Thursday,
9AM-6PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Monday-Thursday,
8AM-5PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
IrvingAndronico's
1200 Irving St.
Emei Wade
(415) 665-7000
Monday-Friday, 10AM7PM, Saturday, 10AM2PM
Spanish
35
Hours
Monday-Thursday,
9AM-6PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Monday-Thursday,
9AM-1PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Languages
Spoken
Cantonese,
Mandarin,
Tagalog and
Samoan
Spanish
Cantonese,
Mandarin,
Vietnamese
Lakeside/Ocean
2856 Ocean Ave.
Yoko Wong
(415) 759-3950
Monday-Thursday,
8AM-6PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Spanish
Mission
2601 Mission St.
Julie Pedraza
(415) 826-8410
Monday-Thursday,
8AM-5PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Spanish
Montgomery
201 Montgomery
St.
Christianne
Barroga
(415) 421-6364
Monday-Thursday,
8AM-5PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Cantonese,
Tagalog
North Beach/
Chinatown
1435 Stockton St.
Ronald Cheng
(415) 391-6210
Monday-Thursday,
8AM-5PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Mandarin,
Cantonese and
Spanish
Pacifica
1655 Oceana St.
Robert Aldape
(650) 355-4144
Spanish
Richmond
3550 Geary Blvd.
Chona Sommers
(415) 387-0331
Monday-Thursday,
9AM-6PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Monday-Thursday,
8AM-5PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Serramonte
(Daly City)
329 Gellert Blvd.
Carol Zell
(650) 992-9650
Monday-Thursday,
8AM-5PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Spanish,
Tagalog
South San
Francisco
370 Grand Ave.
Linda Lam
(650) 244-4825
Monday-Friday, 8AM6PM,
Saturday, 9AM-1PM
Spanish
Westlake (Daly
City)
95 Southgate Ave.
Mary Lau
(650) 756-4255
Monday-Thursday,
8AM-5PM,
Friday, 8AM-6PM,
Saturday, 9AM-1PM
Spanish,
Tagalog
36
Mandarin,
Vietnamese
and Tagalog
Product Name: Wells Fargo Value Checking
Account Features
Minimum Balance: $0
Checks
Debit Card
Bill pay
Fees
Bounced Check Fees: $35
Out of Network ATM: $2 - $3
Alternative IDs Accepted as Primary Identification. Secondary identification may be requested*

Argentina Consular ID

Columbia Consular ID
* Call or visit a Personal Banker in any one of our convenient locations for complete list of acceptable pieces of
identification
ChexSystems Policy: Wells Fargo will open an account for persons with NSF/OD history on ChexSystems
that is not fraud related, regardless of when the occurrence happened.
 Customers with ChexSystems history may qualify for Wells Fargo Opportunity Checking® Account. Ask
personal banker for details
Special Features:
Remittance products available (separate fees apply) to: México, El Salvador, Guatemala, India,
Philippines, China, and Vietnam.
Wire Transfers: $35
Personal Money Orders: $8
Financial Education Training: Hands on Banking® Program, online at http://handsonbanking.org
24 Hour ATM Banking in English, Spanish, Chinese, Vietnamese, Korean, Hmong
24 Hour banking by phone in English, Spanish, Chinese
37
Wells Fargo Locations
All Wells Fargo banking locations in the City and County of San Francisco are participating in the Bank on
San Francisco program. Languages available depend on the community the branch serves and include:
Spanish, Chinese, Tagalog, Vietnamese, Hmong and Korean.
Branch
Address
Manager & Phone
Languages Spoken
Hours
22nd & Mission
2595 Mission St.
Victor Ruffrage
Spanish, Mandarin,
Monday-Saturday
(415) 396-8103
Cantonese,
9AM-6PM
Portuguese
24th & Irving
2300 Irving St.
Jennifer Su
Korean, Mandarin
(415) 682-2400
Monday-Saturday,
9AM-6PM
Bayview Hunter's
3801 3rd St., Ste
Denise Woo
Tagalog, Spanish,
Monday-Saturday,
Point
116
(415) 401-1320
Mandarin,
9AM-6PM
Cantonese
Broadway Grant
1160 Grant Ave.
Derek Fong
Cantonese,
Monday-Saturday,
(415) 396-2744
Mandarin,
9AM-6PM
Vietnamese
Bush/Divisadero
1750 Divisadero St.
Brn. Ctr.
Columbus Avenue
Poliana Junqueira
Spanish
(415) 222-4553
468 Columbus Ave.
Monday-Friday, 9AM5PM
Joanne Park
Korean, Spanish,
Monday-Saturday,
(415) 396-2747
Cantonese,
9AM-6PM
Mandarin, Italian
Cow Hollow
1900 Union St.
Christina Diercks
Russian, Spanish,
(415) 396-4890
Fillmore/California
2100 Fillmore St.
Reena S. Carvallo
9AM-6PM
Korean, Russian,
(415) 396-4453
Geary 19th
Geary Arguello
5455 Geary Blvd.
3624 Geary Blvd.
725 Irving St.
Gail Dela Calzada
Mandarin,
Monday-Saturday,
(415) 396-3645
Cantonese,
9AM-6PM
Christina Ha
Spanish, Mandarin,
Monday-Saturday,
Danny Yuen
9AM-6PM
Russian, Tagalog,
(415) 396-4394
La Playa Safeway
Monday-Saturday,
9AM-6PM
(415) 396-4188
Irving
Monday-Saturday,
Monday-Friday, 9AM6PM
850 La Playa
Rachel Russell
Vietnamese,
Monday-Saturday,
Safeway
(415) 831-0615
Spanish
10AM-7PM
38
Laurel
Marina
Market & Church
Market/California
3431 California St.
2055 Chestnut St.
2020 Market St.
1 California St.
Eric Tang
Cantonese and
Monday-Friday, 9AM-
(415) 544-5063
Spanish
6PM
Poliana Junqueira
Portuguese,
Monday-Saturday,
(415) 396-4507
Spanish,
9AM-6PM
Robert Ashpole
Spanish,
Monday-Saturday
(415) 865-1486
Cantonese,
10AM-7PM; Sunday
Tagalog, Hindi
11AM-4PM
Michael Kyle
Mandarin,
Monday-Friday,
(415) 396-2779
Cantonese and
9AM-6PM,
French and
Saturday 9am - 4 pm
Vietnamese
Mission Ocean
Noe Valley
North Point Center
San Francisco Main
Stonestown
4648 Mission St.
Brian Van
Spanish, Tagalog,
Monday-Saturday
Breemen
Indonesian,
9AM-6PM
(415) 396-3091
Portuguese
Gail Dela Calzada
Spanish and
Monday-Saturday
(415) 550-0128
Cantonese
9AM-6PM
Helen Lin
Spanish, Tagalog,
Monday-Friday,
(415) 222-3370
Mandarin,
10AM-7PM ,
Cantonese
Saturday 10am - 5 pm
Nancy Padilla-
Cantonese,
Monday-Friday,
Rojas
Mandarin, Tagalog,
9:00AM-6:00PM
(415) 396-7392
Spanish
599 Buckingham
Afsie Jalali
Arabic, Spanish,
Monday-Friday, 9AM-
Way
(415) 682-2424
Mandarin,
6PM
4045-24th street
350 Bay St.
464 California St.
Cantonese
The Castro
557 Castro St.
Cesar Aravena
Spanish,
Monday-Saturday
(415) 621-0122
Cambodian, Hindi,
9AM-6PM
Russian
The Haight
Webster
West Portal
1726 Haight St.
Andrew Esposto
Tagalog, Spanish,
Monday-Saturday
(415) 379-2580
Cantonese
9AM-6PM
Chris Fryday
Korean,
Monday-Saturday,
(415) 222-5285
Vietnamese,
10AM-7PM
145 West Portal
Hannah Wang
Russian, Tagalog,
Monday-Friday, 9AM-
Ave.
(415) 396-3506
Mandarin,
6PM
1335 Webster St.
Cantonese
39

View list of participating institutions here.

Transcription

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