Effective May 1, 2023

General

Membership Fee

No Charge

Telephone Center Calls (unlimited)

No Charge

Online Banking

No Charge

External Transfers via Online Banking

No Charge

Real Time Alerts¹

No Charge

Mobile Banking¹

No Charge

Mobile¹ Deposit

No Charge

Online eBill Pay

No Charge

In-Branch Coin Machine Usage

No Charge

Notary Service - Member

No Charge

Notary Service - Non-Member (per document)

$15.00

Account Verifications (in writing only with member's authorization)

No Charge

Cashier's Check

$2.00

Copy of Statement, including VISA^® (per page)

$1.00

Skip-A-Pay(Loan payment of $200 or more)

$25.00

Skip-A-Pay(Loan Payment of under $200)

$15.00

Mobile¹ Deposit - Deposit Adjustment

$10.00

Notice of Escheat

$2.00

Obsolete Address Locator

Postmaster Charges

Collection Item

Bank Charges

Compliance with Legal Order:

Statements (per page)

$0.25

Hearing Appearance (per hour plus travel)

$22.00

Account Research (per hour)

$22.00

Account Reconcilement (per hour)

$16.00

Levy Placement

$20.00

Auto Travel Costs

IRS Rate

Replace Note Collection Booklet²

$20.00

Non-Internet Bill Payment (per transaction)

$2.00

Overnight / Special Mail Request

Actual Charges

Account Related

Check Printing Orders

Printer's Charge

NSF Check Paid by Overdraft Transfer fromVISA^® or Share³ Account

No Charge

Copy of Paid Check Via Online Banking

No Charge

Courtesy Pay of any item that takes the account below therequired minimum balance⁴

$22.00

NSF Return Check, VISA^® Convenience Checkor ACH Item (Non-sufficient funds fee is a per presentment fee)

$22.00

Stop Payment (Member Check, ACH, eBill Pay),per item stopped or range of checks stopped at presentment

$10.00

Deposited / Cashed Item Returned

$5.00

Copy of Paid Member Check (2 free per mo.)

$5.00

Copy of Paid Check from eBill Pay

$5.00

Copy of Credit Union Issued Check(s)

$5.00

eBill Pay

Rush (One-Day or Two Day)

Vendor's Charge

Second-Day Electronic Delivery (Economy)

Vendor's Charge

Donation

Vendor's Charge

Gift Check

Vendor's Charge

Wire Transfer (Incoming)

No Charge

Wire Transfer (Domestic-outgoing)

$20.00

Wire Return/Trace

Bank Charges

Reconveyance of Real Estate Loan

$30.00

County Recording Fees

Charges Vary per County

Real Estate Subordination

$250

ATM/Debit & Credit Card, Shared Branch

Initial Card

No Charge

ATM / Point-of-Sale Transaction⁵

No Charge

Replacement Card

$10.00

Rush Replacement Card Fee (2-day)

$25.00

Rush Replacement Card Fee (1-day)

$50.00

ATM / Shared Branch Deposit Adjustment

$5.00

ATM / Shared Branch Deposit Return Item

$15.00

Stop Payment on Recurring Payment

$10.00

Foreign Transaction Fee (for ATM / Debit / Credit Card Transactions in a foreign country)

1% of transaction

Fees are kept low because F&A is a not-for-profit financial cooperative, owned and operated for the benefit ofall its members.

¹Standard text messaging and data rates may apply. Check with carrier. ²Fee waived for members with a minimum of $5,000 on deposit.³Limited to six (6) each month in any combination of pre-authorized transferswhich may be made by check, draft, debit card or similar order to a third party.⁴Payment by F&A Federal Credit Union is a discretionary courtesy and not aright of the member or an obligation of F&A Federal Credit Union. This privilegefor consumer checking accounts is limited to a maximum of $1,022.00 negativechecking balance. Courtesy Pay is available only for the payment of checks,preauthorized payments under our Bill Payment Service and ACH drafts anddebits. The service is not available for ATM transactions and one-time debit cardtransactions or Person-2-Person and account-to-account transfers. You must bring your account balance to a positive balance withinfifteen days. F&A Federal Credit Union, at its discretion, can cancel thisprotection and cease paying overdrafts at any time without prior notice of reasonor cause.⁵Bank or retail vendor surcharges may apply.