Effective November 1, 2023
| ATM Transactions | |
| Overdraft | $30.00 |
| Transaction at non-USPS FCU ATM (Foreign Fee) (each)** | $2.00 |
| Replacement/Lost Card | $15.00 |
| Debit Card Replacement - Rush Fee | $45.00 |
| ATM Deposit Adjustment | $5.00 |
| ATM Balance Inquiry at non-USPS FCU ATM | $2.00 |
| Checking Fees | |
| Official Check | $20.00 |
| Check Copy * | $10.00 |
| Returned for Insufficient Funds | $30.00 |
| Overdraft Privilege Fee Per Item Presented†† | $30.00 |
| Debit Card Reactivation Fee+ | $10.00 |
| Returned Deposited Item (third-party check) | $20.00 |
| Stop Payment for Credit Union checks within 14 days after issuance | $30.00 |
| Stop Payment for personal checks (per check)* | $30.00 |
| Maximum fee for multiple checks due to lost or stolen books | $50.00 |
| Third-party withdrawal checks | $20.00 |
| Check withdrawals by phone via Personal Service Representative* | $5.00 |
| Check Cashing | |
| Payroll or personal check without Direct Deposit or $250 combined savings balance | $10.00 |
| Other Fees | |
| Loan Subordination - Charged for Home Equity loans subordinated to another financial institution. | $150.00 |
| Duplicate Release - Lost or duplicate copies of Home Equity release forms. | $50.00 |
| Statement Copy * | $5.00 |
| Statement Research per hour (no charge if C.U. error) | $20.00/hr. |
| Reopen Checking Account | $20.00 |
| Domestic Bank Wires | $30.00 |
| Deposit Verification* | $5.00 |
| Dormant Account (no activity for more than 3 years) | $25.00 |
| Loan Application Resubmission Fee | $25.00 |
| Medallion Signature Guarantee Fee | $30.00 |
| Automated Transfer from Shares (each) | $2.00 |
| Membership Fee | $5.00 |
| Garnishment/Lien/Levy | $50.00 |
| Bad Address/Return Mail | $5.00 |
| Minimum Balance Fee – Savings (6 mo. grace period for new accounts)**† | $10.00 |
| Minimum Balance Fee – Interest Checking† | $5.00 |
| Minimum Balance Fee – Money Market Checking | $10.00 |
| Replacement/Lost Debit Card | $15.00 |
| Early withdrawal from Club Accounts (excluding Special Purpose Accounts) | $10.00 |
| Check Printing | |
| Call Harland Clarke Corp. at (877) 585-8777 for current prices. |
| Check Hold Policy | |
| See our Funds Availability Disclosure for details |
| VISA | |
| VISA Late Payment/Return Fee | Amount of violation, up to $25.00 or $35.00 if the same violation in the last 6 months |
| VISA Overlimit Fee | None |
| VISA Annual/Application/Inactivity Fee | None |
| VISA Cash Advance Fee | 2% of each transaction, $10 min., no max. |
| VISA Balance Transfer Fee | 2% of each transaction, $10 min., no max. |
| VISA Foreign Transaction Fee | None |
* Fees can be avoided by utilizing electronic services on your account. Learn about our convenience services to save you time and fees.
**This fee does not apply to Relationship Rewards Members with a Money Market Checking Account. (See details for Relationship Rewards.)
† No minimum balance requirement for members ages 24 and under, and age 60 or older. Age exceptions are subject to change at any time. A combined minimum balance of $250 must be maintained after the first six months of membership.
††Multiple fees may be charged for items represented for payment.
+Debit card reactivation fee for cards that are suspended.