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Routing No: 322078383 | NMLSR ID# 421486 | DMV (ELT)# K29

Co-Op ATM logo Co-Op ATM logo

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 from VISA® or Share3 Account
No Charge
Copy of Paid Check Via Online Banking
No Charge
Courtesy Pay of any item that takes the account below the required minimum balance4
$22.00
NSF Return Check, VISA® Convenience Check or 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 of all 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 transfers which 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 privilege for consumer checking accounts is limited to a maximum of $1,022.00 negative checking balance. Courtesy Pay is available only for the payment of checks, preauthorized payments under our Bill Payment Service and ACH drafts and debits. The service is not available for ATM transactions and one-time debit card transactions or Person-2-Person and account-to-account transfers. You must bring your account balance to a positive balance within fifteen days. F&A Federal Credit Union, at its discretion, can cancel this protection and cease paying overdrafts at any time without prior notice of reason or cause.5Bank or retail vendor surcharges may apply.

We help our members reach their financial goals at every life stage by providing access to the highest value products, superior service, and trusted advice.

Daily Maintenance

For your security, F&A Online and Mobile Banking will be updated and unavailable nightly from 10:00 p.m. to 10:10 p.m. We appreciate your understanding.

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