Current FedChoice Fee Schedule
Take a quick look at all additional fees so you can find which products work best for you.
NOTE: The following fees will be changing in the upcoming months.
- Paper Statement fee will increase to $3.00 (max) per month on Februay 5, 2025.
- Loan Skip-a-Pay will increase to $25.00 per skip on March 1, 2025.
| Service | Fee |
|---|---|
| Savings, Checking, and Money Market Account Services | |
| Main Share Savings Account (When minimum daily balance of $5.00 isn't maintained) | $3.00/month |
| Money Market (When minimum daily balance of $1,500.00 isn't maintained) | $5.00/month |
| Paper Statement Fee | $1.50 (max) per month |
|
Courtesy Pay (transactions $10.00 or less) (transactions $10.01 or more) |
$10.00/each $30.00/each |
| Check Copy | $2.00/each |
| Checking Overdraft Transfers from Share Account+ | $5.00/each |
| Returned Deposit/Electronic Funds Transfer (EFT)/ACH | $10.00/each |
|
Premium Checking (When minimum daily balance of $500.00 isn't maintained)~ |
$5.00/month |
| Stop Payment (per item or series) | $25.00 |
| Revoke Stop Payment | $25.00 |
| Non-Sufficient Funds (NSF) - all forms | $29.50/each |
| Holiday Club (early withdrawal fee) | $15.00 |
|
IRA Balance Transfers/Rollovers (from FedChoice to another outside financial institution) |
$35.00/each |
| Account Reconciliation or Research Assistance (1 hour minimum) | $15.00/hour |
| Statement Reprint | $5.00/statement |
| Document Copy | $5.00/each |
| Copy of Transaction History | $1.00/page |
| Third-Party Verification of Deposit or Loan | $5.00 |
| Incorrect Address | $20.00/quarter |
| Inactive Account (account dormant for 1 year or more; combined deposit account balances <$500.00) | $20.00/quarter |
| Escheat Fee* | $100.00 |
| Account Closed (within 12 months of opening) | $20.00 |
| BillPay Payment Request | $25.00 |
|
~Monthly Maintenance Fee is waived for members age 18 and younger or 55 and over. |
|
| ATM, Debit Card and Credit Card Services | |
| Transactions at FedChoice ATMs | Free |
| Transactions at non-FedChoice ATMs* (Usage: >5 month) | $1.00/each |
| Transactions at Point of Sale (POS) | Free |
| Increased Card Shipping Costs "Rush"/2-3 Business Days Shipping Cost | $50.00 |
|
"Priority"/4-5 Business Days Shipping Cost Undelivered card due to bad address |
$30.00 $25.00 |
| Debit Card or Credit Card Replacement | $5.00 |
| Debit Card or Credit Card Replacement PIN | $1.00 |
| Visa® Late Payment | up to $35.00 per billing cycle |
| Visa® Non-Sufficient Funds (NSF) Fee | $29.50 per item |
| Copy of Signed VISA® Credit/Debit Card Transaction | $25.00 |
|
*Non-FedChoice ATM locations may charge a separate fee. |
|
| Credit Union Services | |
| BillPay/Payment System | Free |
| Credit Union Service Center (Usage: Visits>3 per month) | $3.00/visit |
| eTransfers (Incoming/Outgoing Transfers) | Free |
| Cashier's Check (Payable to self or payable to third party) | $5.00/each |
| Money Order (maximum amount $1,000.00) | $3.00 |
| Money Order Copy | $10.00 |
| Money Order Stop Payment | $25.00 |
| Requests for Bulk Coin/Cash (minimum of $10.00) | 5.00% |
| U.S. Savings Bond Redemption | Free |
| Wire: Outgoing/Domestic# | $15.00 |
| Wire: Outgoing/Foreign | $35.00 |
| Foreign Item (check collection) | $75.00 or more |
| Foreign Item (check copy request) | $5.00/each |
| Levy/Garnishment Attachments | $125.00 |
| Express Mail/Overnight Delivery (Mon-Fri) | Current Rate |
| Notary Service | Free |
|
#Additional fees may be incurred on Western Union Wires, depending upon the dollar amount of the wire. |
|
| Loan Services | |
| Instant Access/HELOC Late Loan Payment | $35.00 |
| All Other Closed-End Late Loan Payments | $35.00 |
| CARFAX Vehicle History (Vehicle financed with FedChoice) | Free |
| CARFAX Vehicle History Service (Vehicle not financed through FedChoice) | $16.00 |
| Collateral Protection Insurance~ | $50.00 |
| Duplicate Certificate of Satisfaction+ | $15.00/each |
| Duplicate Title Acquisition# | $25.00/each |
| Subordination | $150.00 |
| Subordination - Rush (48 Hours) | $200.00 |
| Lien Release Re-Issue | $15.00 |
| Lien Recording Fee | Varies by State |
| Guaranteed Asset Protection (GAP) | $449.00 |
| Extended Warranty / Mechanical Breakdown Protection | Varies - dependent on vehicle model |
|
~ Invalid insurance information provided by member; insurance policy force-placed by FedChoice. |
|