Our digital banking resources are at your fingertips 24 hours a day, seven days a week. Whether for your business or personal finances, we help you to manage your accounts efficiently through our secure online banking portal and mobile banking app.
When using our online banking portal or mobile banking app, you can:
Manage Your Accounts
- Initiate one-time, future-dated or repeating transfers between accounts and view transfer history
- Initiate and view stop payments
- Personalize your dashboard for what’s important for you
- Chat with your banker
- Maximize your interest earning potential and avoid overdrafts with balance and transaction alerts
- Set up secure face or touch ID, or a personal identification number, when using the mobile banking app for easy and safe account access
- Switch easily between your business and personal accounts
View Account Activity
- Get up-to-the minute updates on balances and transactions
- View up to 12 months of historical transaction activity
- Search for transactions, add a note or an image, and filter by tags
- View and download check and deposit slip images
- Gain faster access to your account information and speed up your reconciliation process by downloading up to 18 months of e-statements
- Download account activity into financial management solutions using CVS, TXT, OFX, QBO or QFX file types
Make Payments
- Receive email alerts for bill due dates and upcoming payments
- Pay a company or a person
- Pay bills from multiple accounts
- Schedule one-time and recurring payments
- Make overnight bill payments
- Add new payees on the fly
- Use Zelle® within our mobile app to send money directly from your bank account to a friend or family member's bank account in minutes*
- Make loan payments and initiate drawdowns
*U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Zelle® Best Practices
Using Zelle®, sending and receiving money has never been easier. You can transfer money through our mobile banking app in a fast, safe and convenient manner, all with the touch of a button.
To get the most out of your experience when using Zelle®, we’ve compiled a few tips and reminders that will help you transfer funds quickly and easily, all while protecting yourself and your money.
1. Know Your Recipients
When using Zelle® , it is important to only send money to people you know and trust, like friends and family. Always ensure you double check your recipients’ contact information, including their phone number and email address, before sending a payment, as payments cannot be canceled once they are sent.
2. Avoid Sharing Personal Details Online
Always be aware of accepting requests to connect from people you don’t know personally. To avoid fraud and cybercrime, never provide anyone with your mobile banking credentials. It may also be beneficial to avoid sharing personal information on your social media profiles that could be used to target you.
3. Be Cautious of Service Provider Scam Requests
Cybersecurity is critical to protecting your personal information. Be wary of any Zelle® requests you may receive from a bank or other service provider. Email addresses and phone numbers can be altered to look like they are coming directly from an organization, so it is always important to double check the source of any requests you receive. If in doubt, always call a company directly to inquire about any payments due to avoid potential scams.
Zelle® Consumer FAQs
We would like to share some of the Zelle® Consumer FAQs, which we’ve listed below, that will help you learn more about what Zelle® has to offer.
1. What is Zelle®?
Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes*. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.*
2. How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into Bank of San Francisco “online banking” and/or “mobile app” and select “Send Money with Zelle®”. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re ready to start sending and receiving with Zelle®. To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.* To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile phone number. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Bank of San Francisco account, typically within minutes.*
3. How do I get started?
It’s easy — Zelle® is already available within the Bank of San Francisco mobile app and online banking! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today.
4. What if I get an error message when I try to enroll an email address or U.S. mobile number?
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Please call Bank of San Francisco client support 415.744.6700 for help.
5. How does Zelle® work?
When you enroll with Zelle® through the Bank of San Francisco app, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Bank of San Francisco). When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its “directory” and notifies Bank of San Francisco of the incoming payment. Bank of San Francisco then directs the payment into your Bank of San Francisco account, all while keeping your sensitive account details private.
6. Is my information secure?
Keeping your money and information safe is a top priority for Bank of San Francisco. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Bank of San Francisco accounts safe.
7. To whom can I send money with Zelle®?
You can send money to friends, family and others you trust* even if they have a different bank or credit union. Since money is sent directly from your Bank of San Francisco account to another person’s bank account within minutes*, it is important to send money only to people you trust, and always ensure you have used the correct email address or U.S. mobile number.
8. I am unsure about using Zelle® to pay someone I do not know. What should I do?
If you do not know the person or are not sure you will get what you paid for (e.g., items bought from an online bidding or sales site), you should not use Zelle®. These types of transactions are potentially high risk (just like sending cash to a person you do not know is high risk). Unfortunately, neither Bank of San Francisco nor Zelle® offers a protection program for authorized payments made with Zelle® (even if you do not receive the item you paid for or the item is not as described or as you expected).
*U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Additional Cash Management Services
Any combination of the following cash management services can be added to your business portal to create a customized solutions specific to your business's needs. Cash management services may be subject to additional fees.
- Make deposits anytime using remote deposit capture
- Delegate authority while maintaining control with customized access for employees or accountants
- Make payments with Automated Clearing House (ACH) origination
- Use direct payments to pay your employees, taxes and suppliers, and reduce processing costs
- Collect payments from customers electronically and eliminate the manual, labor-intensive process of handling payments made by check and more accurately forecast your cash flow
- Initiate secure wire transfers with a personal wire PIN from the convenience of your home or office
- Use positive pay to reduce your risk of loss due to fraud on all checks and ACH items
- Use secure tokens to conduct online monetary transactions that, by their nature, are considered higher risk, such as ACH and Wire originations
- These tokens generate random numbers every 35 seconds, which must be used in order to complete transactions