Schedule of Fees & Charges
Effective March 1, 2024
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| General | Fee/Charge |
|---|---|
| Membership Fee | No Charge |
| Telephone Center Calls (unlimited) | No Charge |
| Digital Banking | No Charge |
| External Transfers via Digital Banking | No Charge |
| Real Time Alerts¹ | No Charge |
| Mobile Banking¹ | No Charge |
| Mobile Deposit¹ | No Charge |
| Online Bill 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 |
| 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 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 |
| Compliance with Legal Order: Hearing Appearance (per house plus travel) | $22.00 |
| Compliance with Legal Order: Account Research (per hour) | $22.00 |
| Account Reconcilement (per hour) | $16.00 |
| Auto Travel Costs | IRS Rate |
| Non-Internet Bill Payment (per transaction) | $2.00 |
| Account Related | Fee/Charge |
|---|---|
| Check Printing Orders | Printer’s Charge |
| NSF Check Paid by Overdraft Transfer from VISA® or Share Account | No Charge |
| Copy of Paid Check Via Digital Banking | No Charge |
| Courtesy Pay of any item that takes the account below the required minimum balance² | $5.00 |
| NSF Return Check, VISA® Convenience Check or ACH Item (Non-sufficient funds fee is a per presentment fee) | $5.00 |
| Stop Payment (Member Check, ACH, Bill 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 Bill Pay | $5.00 |
| Copy of Credit Union Issued Check(s) | $5.00 |
| Bill Pay: Rush (One-Day or Two-Day) | Vendor’s Charge |
| Bill Pay: Second-Day Electronic Delivery (Economy) | 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 |
| Reconveyance of Real Estate Loan: Plus County Recording Fees | Charges Vary Per County |
| ATM/Debit & Credit Card, Shared Branch | Fee/Charge |
|---|---|
| Initial Card | No Charge |
| ATM/Point-of-Sale Transaction³ | 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 Fees (for ATM/Debit/Credit Card Transactions in a foreign country) | 1% of Transaction |
¹Standard text messaging and data rates may apply. Check with carrier. ²Payment by F&A Credit Union is a discretionary courtesy and not a right of the member or an obligation of F&A Credit Union. This privilege for consumer checking accounts is limited to a maximum of $1,005.00. 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, one-time debit card transactions and account-to-account transfers. You must bring your account to a positive balance within fifteen days. F&A Credit Union, at its discretion, can cancel this protection and cease paying overdrafts at any time without prior notice of reason or cause. ³Bank or retail vendor surcharges may apply.