Consumer Schedule of Fees

Rates effective as of June 1, 2019

General Account Fees
Service Type Fee
ACH Outgoing Setup/Revision Fee FREE
Bill Pay Account Research FREE
Check Copies FREE
Cashier's Checks FREE
Deposit Item Returned FREE
Domestic Wire Transfer FREE
Remote Check Deposit Fee FREE
Statement Copy Requests FREE
Statement Reconciliation/Research FREE
Stop Payment FREE
Check Printing Fee Actual charges + postage
eChecking Excess Check Fee* $2.00/each
Foreign Currency Check Conversion $25.00 + cost
Late Payment Fee $15.00/occurrence
Legal Services (per document)+ $10.00
Non-Sufficient Funds (NSF) Charge** $25.00/occurrence
Returned Loan Payment Fee~ $22.00/occurrence
NSF/Premium Overdraft Fee $25.00/occurrence***
Premium Overdraft Plus Fee^ $25.00/occurrence****

Financial Exchange Fees

Financial Exchange Fees
Service Type Fee
Funds Transferred to the Credit Union FREE
Funds Transferred from the Credit Union FREE
Emailed Payments up to $1,000 (Popmoney®) FREE

Card Fees

Card-Related Fees
Service Type Fee
Annual Fee FREE
Balance Transfer Fee FREE
Cash Advance Fee FREE
ATM/Debit Card Transactions FREE
Deposit Corrections FREE
ATM/Debit Card Transactions against Non-Sufficient Funds**
Empty Envelope Fee†† $25.00/$25.00
Late Payment Fee $15.00
Returned Payment Fee $22.00
Card Privileges Reinstatement Fee $50.00
ATM/Debit Card FOREIGN TRANSACTION FEES 1% of transaction amount

* The maximum number of withdrawals on an eChecking by check are five (5) within a calendar month. If exceeded, then the account is subject to the $2.00 fee per additional item.

+ This is a per document fee for garnishments, levies, and subpoenas.

** Non-Sufficient Funds (NSF) fee applies to returned transactions created by check, in-person withdrawal, ATM withdrawal, or other electronic means. NSF fees are charged per occurrence.

~ Mortgage Loans are excluded from this fee.

*** Fee per overdraft transaction for checks, ACH, Bill Pay & other transactions made using your checking account number. NSF fees are charged per occurrence.

***** Fee per overdraft transaction for Debit Card, ATM, & POS transactions over $25. NSF fees are charged per occurrence.

^ Premium Overdraft Plus includes Premium Overdraft.

Transactions include withdrawals, inquiries, and transfers. When you use an ATM not owned by us or out of the CO-OP Network, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer.

†† For an empty envelope, a first time fee of $25.00 will be charged. $25.00 for a second occurrence with debit card privileges revoked.

This schedule states rates applicable to specified accounts and fees common to all accounts.

This schedule is incorporated as a part of your account agreement with Firefighters First Credit Union.

All rates are subject to change.

Sign Up for Online Banking

Ready to sign up for OnLine Banking? Follow these instructions or give us a call at 800.231.1626

  • Log in to Online Banking at the top of the page by using your member number and the last four digits of your SSN, or if it is a business, the last four digits of your tax ID as your temporary password. You will be prompted to change your PIN through this process.
  • Confirm personal account information and accept the disclosure agreement.
  • Create a secure Username and Password for OnLine Banking.
  • Verify your identity by receiving and entering your One Time Passcode.
  • Select "Yes, register my private computer" if you are using a private home computer, or "No, this is a public computer" if using a public or shared computer (work, library, internet café).
  • Keep your personal User Name and Password private and confidential for future use.

Having trouble accessing your accounts?

Try these troubleshooting tips:

Still having trouble accessing online banking? Give us a call at 800.231.1626.


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