Fees and Disclosures

• Relationship Fee: See Membership Agreement for applicable fees
• NSF/Courtesy Pay/Force Pay: $33 per item
• Stop Payment Order: $33 per request
• Collection Fee: $30¹
• Share Draft Printing: Prices vary
• Copy of Cancelled Check: $5 per item
• Overdraft Protection Transfer: $3 per transfer
• Bad Address: $5 per month

¹If closed and sent to Account Resolutions for balance due

$5 if balance falls below $5,000 any time during the month

$5.95 unless 10 debit card transactions and $500 in direct deposits per month and enrollment in eStatements

• Account Reconciliation: $15 per hour
• Statement/Account History Copy: $3 per month
• Return Check: $33 per item
• Wire Transfer:
  • Incoming - $3 per transfer
  • Outgoing - $25 per transfer
  • International - $65 per transfer
• Garnishment/Tax Levies: $20
• ACH Origination: $4
• Subsequent Action/Loan Modification: $35
• Inactive Account: $5 per month (after 1.5 years of no activity)
• Non-member Check Cashing: $5
• Merchant Payment by Phone: $25 each
• Online Loan Payment: $9.95
• Cashier’s Check: $5 each
• ID Safechoice: $.95 per month
• Expedited Bill Pay: $29.95
• Personal Loan Application Fee (Secured and Unsecured): Up to $75
• Home Equity Loan/Home Equity Line of Credit Application Fee: Up to $279
• Mortgage Release Fee: $25

• Transaction from FFCU-owned ATM: FREE
• PIN Transaction: $1 each after 5 transactions^{2 & 3}
• Replacement Card: $10
• Sales Draft Copy: $5 (Visa debit card only)
• Health Savings Account Debit Card Fee (every 3 years): $15

²For Standard and Interest Checking Accounts: Debit cardholders can make 5 free PIN transactions per month. After you reach your 5 free PIN transactions in a month, there is a $1 fee for each subsequent PIN transaction. Transactions include: ATM withdrawals, balance inquiries and purchases made with your debit card authorized by using your PIN. Escape all transaction fees associated with your debit card purchases by selecting “CREDIT.” Fort Financial Credit Union-owned ATMs are always free.

³For Access Checking Accounts: Debit cardholders have no limit on the number of free PIN transactions per month. Transactions include PIN-based debit card transactions, balance inquiries and withdrawals. Out-of-network ATM fees still apply. Fort Financial-owned ATMs are always free.

• Savings: FREE (First 100 items deposited or presented for payment)
  • Per Item Fee: $0.25 per item (Each additional item deposited or presented after 100)
  • Paper Statement Fee: $5 per month
  • Inactive Business Account Fee: $5 per month (after 180 days of no activity)
• Small Business Checking: FREE (First 100 items deposited or presented for payment)
  • Per Item Fee: $0.25 per item (Each additional item deposited or presented after 100)
  • Service Fee: $5 if Average Daily Balance falls below $5,000 in a calendar month
• Business Checking: FREE (First 250 items deposited or presented for payment)
  • Per Item Fee: $0.15 per item (Each additional item deposited or presented after 250)
  • Service Fee: $20 if Average Daily Balance falls below $20,000 in a calendar month
• Non-profit Checking: FREE (First 500 items deposited or presented for payment)
  • Per Item Fee: $0.15 per item (Each additional item deposited or presented after 550)

Online and Mobile Banking Privacy Policy

Online and Mobile Banking Terms and Conditions

Third-Party Sites: We may provide links to third party sites, independent from Fort Financial Credit Union. These links are provided only as a convenience for additional information or services that may be of interest to you. Fort Financial Credit Union does not manage the operation or content of third-party websites. The privacy and security policies of the site may differ from those of Fort Financial Credit Union. Please review the privacy and security policies of websites reached through links from the Fort Financial Credit Union website.

Copies of all other disclosures can be obtained at any Fort Financial branch.