Sidney Federal Credit Union

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Service Fee Disclosure

View the current service fee disclosure
View the current business fee disclosure
Contact Us

sfcu routing number: 221379905

How to Avoid Fees

Set up direct deposit

Having your paycheck sent right to your account is a great convenience for you. You'll have access to your funds right away and it can help you avoid inactive, overdraft, and return item fees!

Free bill pay

Scheduling payments through our CU-Online service has never been easier... Just enter the payee's information and pick the date you want it to be paid! You can modify or cancel payments before they're sent out, giving you control to help avoid fees like stop payment, courtesy pay, overdraft, and return item.

Keep track

Record your deposits and withdrawals. Knowing how much money is in your account can help avoid overdraft and return item fees. Sign up for CU-Online and you'll have all your current account information right at your fingertips!

Use our ATMs!

We allow free unlimited ATM transactions at machines we own. This will save you the $1.00 Foreign ATM fee plus the often-pricey surcharge the owner of the ATM may impose!
sfcu also participates in the CO-OP Surcharge Free ATM network. The advantage to you? You can use your sfcu card at a CO-OP ATM and not be charged that annoying surcharge! Our low Foreign ATM fee will still apply because it's not owned by sfcu, but the savings will be worth it! Visit and use the CO-OP ATM Locator to find a surcharge free ATM near you.

Apply for Kwik Kash

An overdraft line of credit product that can be used to help protect you when an error is made in your checking account or advance yourself a loan without a ding to your credit report! Make a monthly payment on advances at a low interest rate.

sfcu Supervisory Committee

PO Box 2062
Sidney, New York 13838