Transactional Fees & Charges

Effective 01/05/2018

Membership Fees

Service Description Fee
Membership Fee One time, non-refundable fee to maintain lifetime membership $1.00
Closed Account Fee Charged when a new account is closed within 90 days of opening $5.00
Inactive Account Fee After no activity for one year, fee is charged every six months* $5.00

* Share Certificates (CDs) and IRA Shares are not subject to the inactivity fee. Additionally, the inactivity fee is not applied when a member only has a primary share with a CD and/or an IRA Share. However, if a member has additional products or services within the account associated with a CD and/or an IRA Share (i.e. checking, loans, money markets, etc.), the account is subject to the inactivity fee.

Transaction Services

Service Description Fee
Certified Check  N/A $10.00
Check Copy Free on CU AnyHour+ $5.00
Member Privilege Fee Per item fee to access Member Privilege $28.00
Returned Check Fee Fee for exceeding allowable number of drafts in a month per FRB Regulation D $28.00
Returned Deposit Item Fee Fee for a dishonored item deposited to a member's account $28.00
Returned Payment Fee Fee for dishonored check (including electronic returns) $28.00
Stop Payment Fee for one check or check series or one ACH $28.00

Transfers to Pay Checks

Service Description Fee
Call Center Transfer Transfers initiated through Call Center staff $2.00
Transfer Fee Transfers that are automatic or are initiated through CU AnyHour or Teleaction Free

Cost of Printed Checks

Service Description Fee
Check Orders Custom designs, additional boxes (standard USSFCU checks - 1 box free per year) Varies

Gold Source Checking

Service Description Fee
ATM Fees Gold Source Accounts pay no CU fees Free
Minimum Balance Fee Fee imposed for balances below $2,000 minimum $15.00

Smart Certificates

 90 days of dividends paid and accrued on the withdrawal for terms of 1 year or less
 120 days of dividends paid and accrued on the withdrawal for terms of greater than 1 year and up to and including  2 years
 180 days of dividends paid and accrued on the withdrawal for terms of greater than 2 years and up to and including 3 years
 360 days of dividends paid and accrued on the withdrawal for terms of greater than 3 years

ATM Fees

Service Description Fee
Non-USSFCU ATMs USSFCU fee - ATM operator fee may apply $1.00
USSFCU ATMs This includes Congressional FCU and associational network ATMs Free
Non-USSFCU Cards at USSFCU ATMs N/A $3.00


Service Description Fee
Address Search Bad address fee - every 6 months $10.00
Bond Redemption Fee Per coupon $5.00
Cashier's Check Payee is other than member $6.00
Check Cashing Non-Member Cashing member check by non-member $10.00
Expedited/Overnight Delivery Member request to have items expedited or sent overnight $30.00
Pay by Debit Card Payment using a non-USSFCU card     $10.00
PIN Reorder Fee to order PIN - free in branch $10.00
Reloadable Cards See separate schedule Varies
Replacement VISA Card Replaced for reasons other than fraud $10.00
Research Per hour or fraction $30.00
Statement Reprint Request Per statement $5.00
Verification Fee Deposits or Loans - per request $25.00
Visa Draft Copy Copy of merchant draft $20.00

Foreign Service/Wire Transfers/Other

Service Description Fee
Domestic Wire N/A $25.00
Foreign Check Deposit Canada $20.00
Foreign Check Deposit Other than Canada $40.00
Foreign Currency Foreign currency Varies
Incoming Wire All incoming $10.00

Web Bill Pay

Service Description Fee
Web Bill Pay Free with eNotices $5.00

Skip A Pay Services

Service Description Fee
Skip a Pay Fee CU AnyHour $25.00
Skip a Pay Fee In Branch/Phone $35.00


Service Description Fee
Annual Fee for Personal Financial Manager and Account Aggregation N/A No charge
Per Item Fee for Bank to Bank (ACH) Transfer N/A No charge

Download Lending Fee Schedule (PDF)

Transaction Limits