Schedule of Fees and Charges

Effective March 1, 2024

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 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 - 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
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 Share 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 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, 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 Bill Pay: $5.00
Copy of Credit Union Issued Check(s): $5.00

Bill Pay

Rush (One-Day or Two Day): Vendor's Charge
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
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 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 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.²Payment 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 $1,005.00 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.³Bank or retail vendor surcharges may apply.