Fee Schedule

As a small community oriented financial institution we have the ability to be flexible when making decisions and tailor our products, pricing and services to better meet the ever changing needs your business faces on a day-to-day basis. And because we’re right around the corner, we are always here for you and your business.

FEES FOR ALL ACCOUNTS Current Fees Alert Me
Abandoned Accounts $50.00 Receive a notification when this rate changes
Bad Address $5.00 Receive a notification when this rate changes
Check Clearing History1 Last 10 checks $5.00 Receive a notification when this rate changes
Check Printing Charges set by printer (see upon request) Receive a notification when this rate changes
Checking Account Monthly Maintenance2 $25.00 Receive a notification when this rate changes
Direct Deposit Correction After 3rd occurance $25.00 Receive a notification when this rate changes
Early Account Closing Closing within 60 days of opening $50.00 Receive a notification when this rate changes
Excess Transaction Fee3 $0.25 Receive a notification when this rate changes
Inactive Account Fee No account activity for 12 months or more $5.00 Receive a notification when this rate changes
Non Sufficient Funds (NSF) / Uncollected Item Return Charge $32.00 Receive a notification when this rate changes
Official Checks $5.00 Receive a notification when this rate changes
Overdrawn Account (item paid on uncollected or insufficient funds) $32.00 per item Receive a notification when this rate changes
Paper Statements $5.00 Receive a notification when this rate changes
Returned Deposit item $25.00 Receive a notification when this rate changes
Stop Payment $25.00 Receive a notification when this rate changes
Tax Levy / Garnishment Administrative Fee $75.00 Receive a notification when this rate changes
DEBIT CARD USAGE Alert Me
Andrews Federal & CO-OP ATMs ATM/POS (point of sale) Transactions Free of Charge Receive a notification when this rate changes
Replacement Card $10.00 Receive a notification when this rate changes
Visa® Debit Card Overdrafts4 Debit Card Purchases Overdraft Protection $32.00 Receive a notification when this rate changes
Other Services Available Alert Me
Account Research / Reconciliation $25/minimum; fees waived if Andrews Federal error $25.00/hr Receive a notification when this rate changes
Balance Request by Phone5 3 free per month $2.00 Receive a notification when this rate changes
Coin Service varies upon request Receive a notification when this rate changes
Currency Service varies upon request Receive a notification when this rate changes
Copy of Paid Item / Statement $5.00 Receive a notification when this rate changes
Express Mail Subject to weight and delivery location limits Costs vary Receive a notification when this rate changes
Interim Statement $5.00 Receive a notification when this rate changes
Loan Late Payment 10 days after due date 5% of payment or $10.00, whichever is greater Receive a notification when this rate changes
Loan Payment by Phone6 $14.95 Receive a notification when this rate changes
Loan Payment Transfer by Phone7 $2.00 Receive a notification when this rate changes
Notary $2.00 Receive a notification when this rate changes
Money Order (per item) $2.00 Receive a notification when this rate changes
Remote Check Deposit8 $25.00 Receive a notification when this rate changes
Share Transfer by Phone9 $2.00 Receive a notification when this rate changes
Signature Guarantee $25.00 Receive a notification when this rate changes
Special Collection Item Domestic $10.00 Receive a notification when this rate changes
Foreign Costs vary Receive a notification when this rate changes
Temporary Checks Per sheet (4 checks) $5.00 per sheet Receive a notification when this rate changes
Verification of Deposit $25.00 Receive a notification when this rate changes
Wire Transfers Western Union (Domestic) $25.00 Receive a notification when this rate changes
Western Union (International) Costs vary Receive a notification when this rate changes
Bank-to-Bank Outgoing Wires (Domestic) $25.00 Receive a notification when this rate changes
Bank-to-Bank Outgoing Wires (International) $35.00 Receive a notification when this rate changes
Bank-to-Bank Incoming Wires10 $15.00 Receive a notification when this rate changes
  • 1To avoid these fees, you can view your check clearing history and/or current balance in our Mobile App, online banking, or use our automated phone service. To avoid this transfer fee, you can schedule share transfers in our Mobile App or online banking.
  • 2Possibilities Checking - No monthly maintenance fee with average minimum balance of $100. Partnership Checking - No monthly maintenance fee with average minimum balance of $5,000.
  • 3Possibilities Checking fee when you exceed 250 combined transactions per month; Partnership Checking fee when you exceed 500 combined transactions per month. (Fee is per transaction above the monthly combined transaction limit. “Combined Transactions” is the total number of deposits and withdrawals to your checking account in a month, including teller transactions, deposits, draft clearings, ACH transactions, wires, account transfers, check withdrawals, etc.)
  • 4Fee is per overdraft occurrence (i.e., item paid on insufficient or unavailable funds).
  • 5To avoid these fees, you can view your check clearing history and/or current balance in our Mobile App, online banking, or use our automated phone service. To avoid this transfer fee, you can schedule share transfers in our Mobile App or online banking.
  • 6To avoid these fees, you can 1) Set up an automated payment by Direct Deposit, or 2) Schedule a monthly payment through Bill Pay, a service accessed through online banking, or 3) Set up a recurring ACH by contacting the credit union.
  • 7To avoid these fees, you can 1) Set up an automated payment by Direct Deposit, or 2) Schedule a monthly payment through Bill Pay, a service accessed through online banking, or 3) Set up a recurring ACH by contacting the credit union.
  • 8Remote Check Deposit available upon approval.
  • 9To avoid these fees, you can view your check clearing history and/or current balance in our Mobile App, online banking, or use our automated phone service. To avoid this transfer fee, you can schedule share transfers in our Mobile App or online banking.
  • 10External Account Transfers in online banking can be utilized to avoid this fee. The daily limit for inbound and outbound transfers is $5,000. The monthly limit for inbound and outbound transfers is $25,000.