Some charges are reduced or waived if certain relationships are met.
Member Services
| Account history charge (one month) |
$5.00 |
| ACH stop/revocation of authoritization |
$33.00 |
| Check by Phone |
$10.00 |
| Check copy charge |
$2.00 |
Check printing charge depends on style ordered
(Free exclusive design check printing with eStatements) |
|
| Check returned Refer to Maker |
$33.00 |
|
Check returned UCF |
$33.00 |
| Coin Counting |
Free |
| Directo a Mexico |
$5.00 processing charge (members only) |
| Directo a Mexico |
$20.00 research charge (members only) |
Dormant account charge
(No activity past 24 months, balance less than $1,000) |
$5.00/month |
| Express mail charge |
$20.00 |
| Faxing charge (non-loan) |
$5.00/package |
| Foreign Currency |
1% of amount + shipping |
Inactive account charge
(No activity past 12 months, balance less than $1,000) |
$2.00/month |
| Incoming non-member wire transer |
$25.00 |
| Individual taxpayer identification number |
$25.00 |
|
Internal collection item charge |
amount of direct cost |
| International outgoing wire transfer |
$30.00 |
| Money orders (maximum $1,000) |
$2.50 |
| Non-member cashing member check |
$5.00 |
| NSF deposit charge (check, ACH, or CheckCard) |
$33.00 |
| NSF deposit charge (third party check) |
$5.00 |
|
NSF deposit charge (your account elsewhere)
Overseas NSF deposits may also incur other charges |
$33.00 |
| Official Credit Union Check |
$5.00 |
|
Official Credit Union Check
(reissue of consumer credit) |
$5.00 |
| Official Credit Union Check stop payment charge |
$33.00 |
| Outgoing wire transfer charge |
$25.00 |
| Overdraft Charge |
$33.00 |
| Overdraft transfer charge |
$6.00 |
| Postage due changes |
$1.00 + postage |
| Post date check handling charge |
$33.00 |
| Removal of stop payment |
$33.00 |
| Research/Statement reconciliation |
$20.00/hour |
| Return mail charge |
$1.00/month |
| Saturday express mail charge |
$30.00 |
| Statement copy charge |
$5.00/statement |
| Stop payment charge |
$33.00 |
| Travelers cheques |
No Charge |
| VISA ® Gift Card |
$2.50 |
Savings Account
| Savings minimum balance charge |
$3.00/month |
Student Savings
| Over 18 or not full-time student age 23 or younger |
$3.00/month |
- Waived if under 18 or full-time student 23 or younger
|
Members' Choice Club Accounts
| Minimum balance charge (after first 60 days) |
$3.00/month |
| Early withdrawal charge (per withdrawal) |
$20.00 |
Special Savings
| Minimum balance charge (after first 60 days) |
$3.00/month |
| Excessive withdrawal charge (more than two per calendar year) |
$20.00 |
BillPayer Charges
| BillPayer |
$4.95/month |
| BillPayer NSF charge |
$33.00 |
| BillPayer research charge |
$20.00 |
| BillPayer stop payment |
$33.00 |
| BillPayer transaction copy charge |
$20.00 |
Money Market Accounts
|
Money Market Minimum Balance Charge
(waived with $1,000 minimum balance) |
$15.00/month |
Premium Money Market Minimum Balance Charge
(waived with $10,000 minimum balance) |
$15.00/month |
Prestige Money Market Minimum Balance Charge
(waived with $50,000 minimum balance) |
$15.00/month |
|
Premier Money Market Minimum Balance Charge
(waived with $100,000 minimum balance) |
$15.00/month |
Checking Accounts
| Free Checking |
Free |
| Interest Checking |
$7.00/month |
- Discounted with direct deposit to $5.00/month
- Waived with $1,000.00 average daily balance
|
| Reward Checking |
Free |
| REALTunes Checking |
Free |
VISA ® Gold Home Equity
| Extra card charge |
$5.00 |
| Late payment charge |
$20.00 |
| Over limit charge |
$20.00 |
| Sales draft copy charge (including CheckCard) |
$15.00 |
| Statement copy charge |
$5.00 |
| VIP Express card fee |
$20.00 |
| VISA ® convenience check returned |
$30.00 |
VISA ® Platinum Credit Card
| Check Payment NSF |
$25.00 |
| Copy of a Check Payment |
$15.00 |
| Copy of a Convenience Check |
$15.00 |
| Copy of a Statement |
$5.00 |
| Late Payment Charge |
$25.00 |
| Replacement Card Standard |
$5.00 |
| VIP Express Card Payment |
$25.00 |
| VISA ® Convenience Check NSF |
$25.00 |
Loans
| Consumer documentation fee |
$75.00 |
| Loan Extensions / Skip a Pay |
$25.00 |
| Mortgage subordination charge |
$95.00 |
| Mortgage wire transfer charge |
$25.00 |
CheckCard
| All transactions at any ATM nationwide (with a qualifying REALTunes Checking or Reward Checking Account) |
Free |
| All transactions at FCFCU ATMs |
Free |
| ATM USA postage stamp charge up to $1.00 |
face value |
| CheckCard inquiry charge at a foreign ATM |
$2.00 |
| CheckCard overdraw charge |
$33.00 |
| CheckCard transfer charge at a foreign ATM |
$2.00 |
| CheckCard withdrawal charge at a foreign ATM |
$2.00 |
| CheckCard withdrawal charge - International |
$3.00 |
| CheckCard withdrawal charge - POS |
Free |
| Erroneous deposit charge (empty envelope) |
$30.00 |
| First three (3) ATM withdrawals from a checking account at foreign ATMs |
Free |
Safe Deposit Box
| Drilling box charge |
$150.00 |
| Lost key charge |
$150.00 |
Legal
| Legal attachment or garnishment charges |
$20.00 |
| Legal processing of Tax Levies |
$20.00 |
| Legal research per hour |
$20.00 |
Business Accounts
| Business Savings |
|
|
|
$3.00/month |
| Business Checking |
$10.00/month |
- Waived with less than 100 transactions monthly
|
| Business Interest Checking |
$10.00/month |
- Waived with $5,000 account relationship
(includes all deposits, investment/annuity, and loan products) |