Fees for Personal Accounts

General Fees


  • Transfers - Free through 24 Hour Electronic Teller and Online Banking
  • Telephone Transfers - Two free per month, $2.00 thereafter
  • Copy of a Statement - $2.00 per statement, Free using eStatements
  • Account Research and Balancing - $15.00 per hour
  • Stop Payments (all items) - $17.00 per item
  • Returned Deposit Item* - $8.00 per item
  • Dormant Account - $5.00 per month
    (No deposits or withdrawals for 12 months and combined total account balances are less than $100.00)
  • Undeliverable Statement - $25.00 per year
    (Unable to deliver account statement for 12 months)
  • Check Cashing Fee - $2.00 per check
    (Fee waived with combined total account balances of $100.00, a loan or credit card)

Savings Fees


  • Overdraft Transfer - $7.00 per item
    (Transfer of funds from one account to another to cover an overdraft)
  • Non-Sufficient Funds (NSF) - $26.00 per item
  • ATM Cash Withdrawals at FCCU Machines - Unlimited free
  • ATM Cash Withdrawals at non FCCU Machines** - Four free per month, $1.00 thereafter

Checking Fees


Fox Free Checking (Non-Interest Bearing)

  • Overdraft Transfer - $10.00 per item
    (Transfer of funds from one account to another to cover an overdraft)
  • Non-Sufficient Funds (NSF) - $26.00 per item
  • Copy of a Cancelled Check - $2.00 (Free using Online Banking)
  • Stop Payment - $17.00 per check; $25.00 for a series of checks
  • ATM Cash Withdrawals at FCCU Machines - Unlimited free
  • ATM Cash Withdrawals at non FCCU Machines** - Four free per month, $1.00 thereafter

Checking Plus & Select Checking (Interest Bearing)

  • Overdraft Transfer - $7.00 per item
    (Transfer of funds from one account to another to cover an overdraft)
  • Non-Sufficient Funds (NSF) - $26.00 per item
  • Copy of a Cancelled Check - $2.00 (Free using Online Banking)
  • Stop Payment - $17.00 per check; $25.00 for a series of checks
  • ATM Cash Withdrawals at FCCU Machines - Unlimited free
  • ATM Cash Withdrawals at non FCCU Machines** - Four free per month, $.50 thereafter

Civic Club Checking

  • Overdraft Transfer - $10.00 per item
    (Transfer of funds from one account to another to cover an overdraft)
  • Non-Sufficient Funds (NSF) - $26.00 per item
  • Online Bill Pay - Free first month, then $4.95/month and $.45 per transaction
  • Copy of a Cancelled Check - $2.00 (Free using Online Banking)
  • Stop Payment - $17.00 per check; $25.00 for a series of checks
  • ATM Cash Withdrawals at FCCU Machines - Unlimited free
  • ATM Cash Withdrawals at non FCCU Machines - Four free per month, $1.00 thereafter
    (Additional surcharges may be assessed by machine owners)
    Visit http://www.atmallianceone.org/for a listing of surcharge free ATMs.

*Returned Deposit Item: A check that was deposited that was returned unpaid.
**Additional surcharges may be assessed by machine owners.  Visit www.atmallianceone.orgfor a listing of surcharge free ATMs.