IMPORTANT: Your K2C Account is Moving to Vestwell
TRANSITION UPDATE
Access to your new account is delayed while we finish a few final verifications on the K2C account transition. Check back on September 22, 2026 for updates and next steps. Please hold off on mailing checks or making in-person deposits at City Hall as well.
Your balance is unaffected and you can view it here . Questions? Email k2c@sfgov.org or call 311.
Here's what to expect, in three simple phases:
- Your new account number will be 415 plus your student's SFUSD ID. Example: 415123456789.
- If you have more than one child with a K2C account, you can manage all of them from one login — just claim each student's account separately using 415 plus their own SFUSD ID and date of birth.
- A new online account portal available in 20 languages.
- New instructions on how contribute to your K2C account with Vestwell.
Why K2C is Making This Change
K2C's contract with Citibank is ending. The City and County of San Francisco reviewed several companies and chose Vestwell to run K2C going forward, with a modernized portal and new features.
For you, this means better tools for keeping the savings habit going: an easier way to invite family and friends to contribute, a mobile app to check progress on the go, and a portal available in more languages. The goal — helping your child save toward college — doesn't change.
Your K2C account and activity will move from Citibank to Vestwell.
- You won’t see any new transaction activity in K2C’s portal during this time.
- Any contributions already scheduled during this window will get migrated over to Vestwell.
- We'll email you when it’s time to login and view your account and balance in K2C’s new portal at Vestwell.
How to Access Your New Account
- Go to vestwell.com/signup/k2c/retrieve and enter your student's SFUSD ID and date of birth.
- Enter your email address and select Get Started.
- Create a password and select Next — your account is now claimed.
- If you have more than one child in SFUSD, claim their account too from the same screen.
- Set up multi-factor authentication (MFA) using an authenticator app or your phone number.
What's New in Your Account
- Make contributions directly from the account portal, one-time or recurring, by linking a bank or credit union account.
- Set savings goals and track your progress toward them.
- Set up direct deposit straight from your paycheck.
Ways to Save For Your Future
Online, one-time or recurring
You can now make online deposits at any time and even set up recurring monthly deposits when you connect your bank or credit union account in your K2C participant portal.
Log in to your K2C account online.
Open the “Transfers” tab from the horizontal menu options and select Contributions.
Select the bank or credit union account you want to contribute from. If you have more than one account, choose from one of the following:
Select an existing bank or credit union account already saved to your profile, or
Select “Add a new bank account” to connect a new bank or credit union account for deposits. If you add a new bank or credit union account, you will be taken to a new page and will need to navigate back to the Contributions page.
Select the “one-time” or “recurring” contribution type and click Next.
Select Review.
If everything is correct, select Confirm.
Direct deposit from your paycheck
Direct deposit makes saving easier by sending money from your paycheck automatically to a student’s K2C account. You have two methods to set up direct deposit through an employer-based payroll deducation. Choose one of the following ways to set up Direct Deposit:
Online in your K2C Participant Portal
Log in to your account online.
Select Direct Deposit on the “Account Balance” tile.
Click Get Started.
Select “Attest” to confirm you’re setting up direct deposit from each paycheck.
Enter your information, then click Next to review, then
Click Submit to generate your direct deposit routing and account numbers.
Either enter that information into your payroll system or work with your employer to set up an additional payment option.
Using the K2C paper Direct Deposit form
Visit the following website: https://www.sfgov.org/k2c/my-account/how-make-deposit
Select Direct Deposit.
Complete the Form in your desired language and give it to your employer.
Mail a check
You can make deposits into a K2C account by mailing a check to the program. Prepaid envelopes to mail your check deposits are available at City Hall or by contacting K2C. Money Orders cannot be mailed and must be deposited in-person at City Hall or another in-person deposit event.
Make the check payable to “Kindergarten to College”.
In the memo section of the check, write your student’s name and their new K2C account number which consists of 415 plus their SFUSD student ID. Example: 415123456789.
Mail your check to: Kindergarten to College, PO Box 534020, Pittsburgh, PA 15253-4020
In person
Cash, check, or money order at San Francisco City Hall, 1 Dr Carlton B Goodlett Pl, Room 140, San Francisco, CA 94102. You'll need a deposit ticket with your student's name, account number, and the amount — one will be provided on-site if you don't have one. Cash deposits may require a valid photo ID.
How to Make an ACH Deposit from your Personal Checking or Savings Account at a Bank or Credit Union
It is easiest to set up electronic deposits from your personal checking or savings account at a bank or credit union through your K2C participant portal. If you would rather, you can make an electronic ACH deposit to a K2C account through your bank or credit union’s system.
Log into your bank or credit union’s online portal and proceed to the electronic payments section.
Enter the payment details as follows for all fields as applicable:
Merchant Name — Enter “Kindergarten to College”
Financial Institution — Enter “Bank of New York Mellon”
Routing # — Enter “011001234”
Account # — Enter your student’s new K2C account number with 908 plus 415 plus your SFUSD Student ID included at the beginning (for example, 908415123456789)
Merchant Address — Enter the address: PO Box 534020, Pittsburgh, PA 15253-4020
Merchant Phone Number — 415-701-2311
- Follow the prompts to make the electronic deposit.
Frequently Asked Questions
Why did K2C change program managers?
K2C's contract with Citibank was ending. The City and County of San Francisco reviewed several companies and chose Vestwell to manage K2C going forward.
Who is Vestwell?
Vestwell is a financial technology company that powers education and savings programs for individuals, families, employers, and state governments. Vestwell provides modern account technology designed to make saving easier through intuitive digital tools, enhanced security, mobile access, and convenient contribution options.
Does this change what K2C is or how it works for my family?
No. K2C is still the same program with the same goal — helping your child save toward college. What's changing is who manages the account behind the scenes, the online portal, and a few account details.
Do I have a new account number?
Yes. Your new account number is 415 plus your student's SFUSD ID. Example: 415123456789. Students attending district-affiliated charter schools should request their SFUSD Student ID from SFUSD’s Enrollment Center (call 415-241-6085) or their school‘s administrator. This number is different from a charter-issued student ID or their state-wide student ID number (SSID).
Is my child's savings safe during this change?
Yes. Your account balance, $50 starter deposit, and any incentives you've earned are not affected and will carry over automatically.
What if I have more than one child with a K2C account?
If you have more than one child with a K2C account, each child will have their own new account number.
Will my bank statement look different?
Yes. Contributions and transfers will show up as “Vestwell” going forward, instead of the previous name.
Will my contribution and transaction history carry over?
Yes.
When does the transition happen?
The switch to Vestwell will be complete soon. Check back on September 22, 2026 for an update.
Will I lose access to my account?
Starting 9/5, transactions will not be recorded in the current system and you will see new transactions in the new K2C portal. Note, transactions made between 9/5 – 9/15 will likely appear 2-3 weeks after the system goes live.
What happens to contributions scheduled during the access-paused window?
Any contributions already scheduled during this time will process automatically once the transition is complete — no action needed.
Will I be notified when my new account is ready?
Yes, you'll get an email as soon as your new account is available.
Do I need to do anything right now?
Pause all deposits & contributions.
Do I need to update Bill Pay?
Before the transition, you do not need to stop your Bill Pay payments. We will share new instructions for updating your Bill Pay when they become available.
How do I log in to my new account?
1) Go to vestwell.com/signup/k2c/retrieveand enter your student's SFUSD ID and date of birth,
2) create a new login with your email and a new password, and
3) set up multi-factor authentication using your phone number or an authenticator app.
What information will I need on hand to log in?
Your student's SFUSD ID and date of birth, an email address, and either a phone number or an authenticator app for the security step.
Is there a deadline to log in and register?
No, there is no deadline to log in and register.
What's new in my account?
Making contributions directly from the portal (one-time or recurring), savings goals you can track, and direct deposit from your paycheck.
Can I set up direct deposit from my paycheck?
Yes, directly from the new account portal.
Is there a reward for registering my new account?
Yes — a $20 incentive for completing registration on your new Vestwell account.
What's the deadline and are there any eligibility rules for the $20?
Register for the first time or login to view your balance once a school year and we will reward each student's K2C account with a $20 incentive.
Does this affect my CalKIDS money?
No impact to CalKIDS.
Does this affect my 529 plan?
No impact to 529.
What if my student has already graduated?
If your student has already graduated, please visit our Graduating Students page to claim YOUR money.
What if we moved out of San Francisco or my child transferred out of SFUSD?
If your family moved out of the district, please visit our Close an Account page for more information.
What if my account is already closed?
You can email k2c@sfgov.org if you have any questions about your closed account. If you want to keep saving for your student's future, consider opening an account with California 529 SholarShare or another 529 provider. If they are eligible, they can also still benefit from the state's CalKIDS scholarship account (up to $100 for newborns & $500-$1,500 for school-age public school students).
Where can I get more detailed, step-by-step instructions?
Scroll to the top of this page.
Who do I contact with questions?
Email k2c@sfgov.org or call 311 (415-701-2311 outside San Francisco). Multilingual support is available Monday to Friday, 8am to 5pm PT.
Need Help?
We're here for you. Email us at k2c@sfgov.org or call 311 (415-701-2311 outside San Francisco). We have multilingual support and are available Monday to Friday, 8am to 5pm PT.