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Transactional Fees & Charges

Effective 09/01/2021

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, fee is 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
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
Reloadable Cards See separate schedule Varies
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)

Members' Voice Testimonials

I feel my money is safe, the service has always been top-notch and we've found it easy to use even though I probably haven't set foot in one of the branches in five years. Joining the credit union is one of the smartest things I've done.

USSFCU has been my first banking option for over 40 years - no fee atms - my grands are now members of the credit union and value their credit union membership also.

USSFCU staff continues to be the best and always has my best interest.

The USSFCU has been an important part of my financial situation and has provided outstanding service.

Every experience with USSFCU has been extremely good right from the start. Our main account with USSFCU is a HELOC with zero over prime rate, which is almost unheard of. The customer service has always been excellent. And when we asked for a temporary payment break to navigate and reorient professionally due to the sudden and temporary financial im...

I've always been treated very professionally and the person caring for my financial needs always listened to me and helped me in a way that was not stressful and beneficial to me.

USSFCU has never failed us in its' role of being the best bank ever. All the personnel are professional, friendly, efficient and have more than earned our trust, appreciation and admiration. We admire the way they are constantly evaluating, adapting and growing their services for the benefit of its' members. We are very grateful to have had this im...

Magnificent people, great help during the hard times.

I've been banking here for over 20 years it's the best customer service. Credit card interest rates don't gouge at USSFCU. It's a wonderful place to bank.

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

Provides excellent customer service and this is demonstrated by their great attention to detail. USSFCU provides excellent financial products and professional communication.

I joined in 1975 when I began my 41 year career in the U.S. Senate. It was a family and still is - one to be depended on in times of need and for advice.

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

All of my children and grandchildren have USSFCU accounts now. I really admire USSFCU and its staff completely, they have always looked out for my interests.

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

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

Great staff helping all the time. Just a very well run company always good service.

Always good service, especially when I telephone in. I have another credit union where, every time I call in, I have to wait a considerable amount of time before reaching a representative. When I worked on the Hill, it always was a pleasurable experience coming to the credit union office, whether to make a deposit or apply for a loan.

Customer service via the phone is very helpful and easy to accomplish requests.

Care about their clients and concerned about making sure they have the best rates and packages.

USSFCU has always been accommodating, easy to work with, and staff are always kind. I have every intention of keeping my account with this bank for a long, long time.

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

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