Schedule of Fees
Effective November 1, 2023
The following fees may be assessed in connection with your account(s) as described in the Membership and Account Agreement and Truth-in-Savings disclosures.
We continue to strive to keep our fees low to provide our membership with the best products and services.
Share Draft Account Fees
Type | Fee |
|---|---|
Paid NSF Fees | $30.00 |
NSF Fees | $30.00 |
Overdraft Transfer Fees | $5.00 |
Stop Payment (ACH or Check) | $25.00 |
Counter Check (Sheet of 4) | $3.00 |
Official Check (Payable to Account Holder) | $0.00 |
Official Check (Payable to Third Party) | $2.00 |
ACH Debit Return | $30.00 |
Check Copies (each) | $3.00 |
Wire Transfers
Type | Fee |
|---|---|
Wire Transfers Outgoing | $25.00 |
Wire Transfers Incoming | $5.00 |
Debit/Credit Cards
Type | Fee |
|---|---|
New FMCU Debit Card | $0.00 |
Replacement FMCU Debit Card¹ | $10.00 |
Replacement FMCU Visa Credit Card | $25.00 |
Visa Credit Card Over Limit Fee (Per Statement Cycle) | $15.00 |
Check Card PIN Replacement | $0.00 |
Electronic Banking Services
Type | Fee |
|---|---|
Electronic Bill Payment Fee (Per Month) | $0.00 |
Online Banking | $0.00 |
Pay-by-Phone Fee¹ | $10.00 |
1 Indicates new or increased fees
2 Aggregate Balance of all accounts
3 If account is closed within the first 90 days
4 Par Value is the cost of purchasing one par value share in order to establish a membership account
Safe Deposit Boxes
Safe Deposit Boxes Rent and sizes vary. Share Account with Safe Deposit boxes will be automatically debited for renewal January 1 of each year.
Type | Fee |
|---|---|
Safe Deposit Box Drilling | $COST |
Miscellaneous Fees
Type | Fee |
|---|---|
Deposited/Cashed Return Item | $30.00 |
Visa Gift Cards (per Card activation) | $5.00 |
Statement Copy Fee | $3.00 |
Credit Card Statement Copy Fee (Per Page) | $2.00 |
Research/Statement Reconcilement (per hour, minimum $20.00) | $20.00 |
Account Reconciliation (per hour, minimum $20.00) | $20.00 |
Current History Statement Printout (Current Month, Per Printout) | $3.00 |
Levy/Garnishment processing | $50.00 |
Collection Item Processing | $20.00 |
Early Withdrawal/Christmas Club/Vacation Club (If withdrawn outside of disbursement period) | $10.00 |
Foreign ATM (ATMs not owned by FMCU) | $2.00 |
Inactive Account Fee (No activity for 12 mos. on accounts with
less than $1000) 2 | $10.00 |
Account Closing Fee 3 | $25.00 |
Par Value Fee (Balance below par value of $25 on share
account during the calendar month) 4 | $5.00 |
Service Fee (Waived if the member has an active loan, eDocuments are enabled, and/or if the
member is younger than 19 or older than 60) | $3.00 |
Bad Address (charged at close of calendar month) | $5.00 |
Supersession: All previous Fort McClellan Credit Union Fee Schedules are superseded.
All fees are subject to change with notice.
Find the right financing from a variety of options to help you meet your needs.
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