Fee Schedule
Consumer Schedule of 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 1 | Actual charges + postage | 
| eChecking Excess Check Fee 2 | $2.00/each | 
| Foreign Currency Check Conversion | $25.00 + cost | 
| Late Payment Fee8 | $15.00/occurrence | 
| Legal Services (per document) 3 | $10.00 | 
| Non-Sufficient Funds (NSF) Charge 4 | $25.00/occurrence | 
| Returned Loan Payment Fee 5 | $22.00/occurrence | 
| NSF Fee Premium OD Fee 6 | $25.00/occurrence | 
| Premium Overdraft Plus Fee 7 | $25.00/occurrence | 
| Real Estate Recording Fee | Actual cost of recording | 
| Real Estate Payoff Quote Fee | $30.00 | 
| Real Estate Late Payment Fee | Late charges are assessed in accordance with loan documents and applicable law | 
1 Checks are free of charge for members over 50 years of age and Medal of Valor recipients.
2 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.
3 This is a per document fee for garnishments, levies, and subpoenas.
4 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.
5 Mortgage Loans are excluded from this fee.
6 Fee per overdraft transaction for checks, ACH, Bill Pay & other transactions made using your checking account number. NSF fees are charged per occurrence.
7 Premium Overdraft Plus includes Premium Overdraft. Fee per overdraft transaction for Debit Card, ATM, & POS transactions over $25. NSF fees are charged per occurrence.
8Excludes Real Estate fees.
| Service Type | Fee | 
|---|---|
| Funds Transferred to the Credit Union | FREE | 
| Funds Transferred from the Credit Union | FREE | 
| Emailed Payments up to $5,000 (Zelle®) | FREE | 
| Rate/Charge | Classic VISA Card | Platinum VISA Card | Signature VISA Card | 
|---|---|---|---|
| Annual Percentage Rate (APR) for purchases | 8.99% - 16.99% | 14.99% - 17.99% | |
| APR for Balance Transfers | |||
| APR for Cash Advances | 
| Service Type | Fee | 
|---|---|
| Annual Fee | FREE | 
| Balance Transfer Fee | FREE | 
| Cash Advance Fee | FREE | 
| ATM/Debit Card Transactions 1 | FREE | 
| Deposit Corrections | FREE | 
| ATM/Debit Card Transactions against 1 Non-Sufficient Funds 2 | $25.00/occurrence | 
| Empty Envelope Fee 3 | $25.00/$25.00 | 
| Late Payment Fee | $15.00 | 
| Returned Payment Fee | $22.00 | 
| Card Privileges Reinstatement Fee | $50.00 | 
| Credit Card FOREIGN TRANSACTION FEES | FREE | 
| ATM/Debit Card FOREIGN TRANSACTION FEES | 1% of transaction amount | 
1 Transactions include withdrawals, inquiries, and transfers. When you use an ATM 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.
2 NSF fee applies to returned transactions created by check, in-person withdrawal, ATM withdrawal or other electronic means. NSF fees are charged per occurrence.
3 For empty envelope, a first time fee of $25.00 will be charged, $25.00 for a second occurrence and debit card privileges may be revoked.
Business Schedule of Fees
| Service Type | Fee | 
|---|---|
| ACH Outgoing Setup/Revision Fee | FREE | 
| Bill Pay Account Research | FREE | 
| Business Remote Check Deposit 1 | FREE | 
| Check Copies | FREE | 
| Cashier's Checks | FREE | 
| Statement Copy Request | FREE | 
| Statement Reconciliation/Research | FREE | 
| Stop Payment | FREE | 
| Business Loan Application Fee 2 | $100.00 | 
| Commercial Real Estate Loan Application Fee | $500.00 | 
| Check Re-Order Fee | Actual charges + postage | 
| Deposit Item Returned | $15.00/occurrence | 
| Domestic Wire Transfer 3 | $20.00 | 
| Foreign Currency Check Conversion | $25.00 + cost | 
| Legal Services (per document) 4 | $10.00 | 
| Returned Loan Payment Fee | $22.00/occurrence | 
| Non-Sufficient Funds (NSF) Charge 5 | $25.00/occurrence | 
| Late Payment Fee | $15.00/occurrence | 
| Recording Fee | Actual cost of recording | 
| Real Estate Payoff Quote Fee | $30.00 | 
| Business Real Estate Late Fee | Late charges are assessed in accordance with loan documents and applicable law | 
1 Approval required for the business remote check deposit program. Deposit limits and funds availability vary. Ask us for scanner pricing details.
2 A $100.00 application fee may apply for business term loan or line of credit.
3 One free wire transfer allowed per month.
4 This is a per document fee for garnishments, levies, and subpoenas.
5 NSF fee applies to returned transactions created by check, in-person withdrawal, ATM withdrawal or other electronic means. NSF fees are charged per occurrence.
| Service Type | Fee | 
|---|---|
| Funds Transferred to the Credit Union | FREE | 
| Funds Transferred from the Credit Union | FREE | 
| Service Type | Fee | 
|---|---|
| Annual Fee | FREE | 
| Balance Transfer Fee | FREE | 
| Cash Advance Fee | FREE | 
| ATM/Debit Card Transactions 1 | FREE | 
| Deposit Corrections | FREE | 
| ATM/Debit Card Transactions against 1 Non-Sufficient Funds 2 | $25.00/occurrence | 
| Empty Envelope Fee 3 | $25.00/$25.00 | 
| Credit Card FOREIGN TRANSACTIONS FEES | FREE | 
| ATM/ Debit Card FOREIGN TRANSACTIONS FEES | 1% of transaction amount | 
| Late Payment Fee | $15.00 | 
| Over-the-Credit Limit Fee | $10.00 | 
| Returned Payment Fee | $22.00 | 
| Card Privileges Reinstatement Fee | $50.00 | 
1 Transactions include withdrawals, inquiries, and transfers. When you use an ATM 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.
2 NSF fee applies to returned transactions created by check, in-person withdrawal, ATM withdrawal or other electronic means. NSF fees are charged per occurrence.
3 For empty envelope, a first time fee of $25.00 will be charged, $25.00 for a second occurrence and debit card privileges may be 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.
