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Transactional Fees & Charges

Effective 02/01/2020

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 member initiated activity for one year, feeis charged every six months* $5.00

* Automated postings to an account are not considered activity. The account activity must be initiated by the member in order to not become subject to the fee. Share Certificates (CDs) and IRA Share accounts are not specifically subject to the inactivity fee. However, if there are additional accounts associated with a CD and/or an IRA Share (i.e. primary share or savings, checking, money markets, etc.), these account types would subject to the inactivity fee. If the primary share account is at the minimum required balance ($5 per member listed on the account), the fee would not be applied.

Transaction Services

Service Description Fee
Check Copy   $5.00
Member Privilege Fee Per item fee to access Member Privilege Overdraft Protection $28.00
Excessive Transactions Fee Fee for exceeding allowable number of transactions per month per Reg. D for savings and money market shares. $28.00
Returned Check Fee Fee for dishonored items deposited to a member's account. $28.00
Returned Payment Fee/NSF/Overdraft Fee for a dishonored check, including electronic returns; Non-sufficient funds; Overdrafts $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 No Charge

Gold Source Checking

Service Description Fee
ATM Fees Gold Source Accounts pay NO USSFCU ATM fees No Charge
Minimum Balance Fee Fee imposed for balances below $2,000 minimum $15.00

Smart Certificates

ATM Fees

Service Description Fee
Non-USSFCU ATMs USSFCU fee; Other ATM operator fee may apply $1.00
USSFCU ATMs This includes Congressional FCU and certain network ATMs No Charge
USSFCU ATMs-Non-USSFCU Cards Non-USSFCU, WPCFCUor appropriate network cards at USSFCU ATMs $3.00


Service Description Fee
Address Search Bad address fee - every 6 months $10.00
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 No Charge

Web Bill Pay

Service Description Fee
Web Bill Pay Free with eNotices No Charge

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 Fee Schedule (PDF)

Transaction Limits

Members' Voice Testimonials

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

Very personable, solution based and takes in interest in your situation.

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

The credit union provides relatively good services and the security updates to the system are noticeable.

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

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