Insights|08 Oct, 2025
Insights|14 Nov, 2025
Put Your Liquidity Line to the Test
Regularly testing your access to FHLBank San Francisco liquidity supports both your business continuity and regulatory expectations.
Running a test transaction helps your team members maintain familiarity with the FHLBank San Francisco Member Portal, our secure online platform used to make advance transactions, view balances, statements, and access additional products. It is also important to conduct a test transaction each year to ensure systems, authorizations, and procedures remain fully functional.
Before You Begin: Confirm Access and Permissions
Verify that the appropriate personnel have authorization to initiate both advances and wire transfers.
Ensure your institution’s designated administrator has set up Member Portal users with proper login credentials.
For questions about user permissions, contact the Member Services Desk at (415) 616-2500.
Step 1: Execute an Advance Transaction
Authorized individuals may initiate an advance for terms under one year through the Member Portal or an advance for any term by contacting the Member Services Desk at (415) 616-2500.
FHLBank San Francisco recommends members execute an advance using a nominal dollar amount (e.g. >= $100K).
The Bank recommends at least a 1 week advance to fully test lines, systems and reporting. Your Relationship Manager can help determine the best timing for your organization.
Step 2: Create a Wire Transaction and Transfer Funds
To fully validate your procedures, submit a wire drawdown request from your FHLBank San Francisco Settlement Transaction Account (STA).
Step 3: Complete the Test
On maturity date, advances are automatically debited from your STA.
Ensure sufficient funds are available in your STA to cover the advance interest and principal repayment. Wire funds to the Bank if necessary.
Document the liquidity test as part of your contingency funding plan.
For questions about how to test your institution’s access to our liquidity products, call the Member Services Desk at (415) 616-2500.
Legal and Disclosure
Federal Home Loan Bank of San Francisco (FHLBank San Francisco) makes no representations or warranties about the accuracy or suitability of any information or scenarios in this article. This article or the information or scenarios presented is not intended to constitute legal, accounting, investment, tax, or financial advice or the rendering of legal, accounting, tax, consulting, or other professional services of any kind. Your institution should consult with its accountants, counsel, tax, financial representatives and advisors, consultants, and/or other advisors regarding the extent to which these scenarios may be useful to it and with respect to any legal, tax, business, and/or financial matters or questions. This article does not constitute an offer to extend credit or an investment solicitation to buy or sell any security.
Your institution should exercise its independent capability, and that of its advisors, to evaluate the merits and the financial risks associated with the use of any FHLBank San Francisco advances or other products and should not rely on analysis or communication from the FHLBank San Francisco, including anything in this article. The decision to use the FHLBank San Francisco's advances and other products remains solely your institution's responsibility.
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