Schedule of Fees and Disclosures

Schedule of Fees

Share (Savings)
Phone Transfers $3.00/ea. (Free – Online / Call 24)
Mailed Checks (share withdrawals) $2.00/ea.
Close share account within 90 days $25.00
Close accounts to remove joint owner $25.00
Interim of full statement photocopies $1.00 per page
Writs of Garnishment $50.00/ea.
Reopen account within 6 months $15.00
(Involving any other related accounts) $25.00
Electronic Transaction Account (ETA)
Below minimum balance $5.00/mo.
Single Service

(Share accounts below $300.00 with no other deposit accounts or loan/MasterCard account. Children accounts under 24 years of age will not be charged.)

All Checking Accounts
Stop Payment $32.00/ea.
Cancel Stop Payment $5.00/ea.
NSF $32.00/ea.
Paid NSF* $32.00/ea.
NSF Debit $32.00/ea.
Deposited items returned $10.00/ea.
Interim or full statement copies $1.00 per page
Draft photocopies $4.00/ea.
Writs of Garnishment $50.00/ea.
Reconciling account ($5 minimum) $20.00 per  hour
Collection $10.00/item
Inactive Bill Pay** $5.00/mo.
Checking printing charges vary with style. *Overdrafts created by checks, in person withdrawals, ATM or ACH withdrawals, or any other withdrawal via electronic means. **Inactive Bill Pay fee does not apply to Value Checking account. Must pay at least 2 bills per month.
Youth Checking (Members aged 10-18)
Transfer $3.00/ea. (Free – Online / Call 24)
Bill Pay $3.95/mo.
Fresh Start Checking
Service Charge $10.00/mo.
Transfer $3.00/ea. (Free – Online / Call 24)
Bill Pay $3.95/mo.
Value Checking
Transfer $3.00/ea. (Free – Online / Call 24)
Bill Pay $3.95/mo.
Value Plus Checking
Below minimum balance ($500) $5.00/mo.
Transfer $3.00/ea. (Free – Online / Call 24)
Premiere Checking
Below minimum balance ($1,500) $10.00/mo.
High-Yield Checking
Below minimum balance ($10,000) $10.00/mo.
Money Market
Below minimum balance ($2,500) $5.00/mo.
Super Money Market
Below minimum balance ($50,000) $15.00/mo.
Individual Retirement Accounts
Close, transfer or rollover $25.00
Annual fee $25.00
Certificate Accounts
Early withdrawal penalties
3 and 6 month certificates 90 days interest
Over 6 month certificates 180 days interest
Dormant Accounts
Share balances below $300 with no other deposit account or loan

/ MasterCard account and no member activity for 12 months.

View our wire instructions.
Incoming $10.00/ea. – $40.00/ea.
Domestic Outgoing Wire Transfers $25.00/ea.
Automated Teller Machines (ATM) / Debit
First Debit Card No Charge
Additional Debit Cards $5.00/ea.
PIN replacement $2.00/ea.
At FCCU-owned ATMs No charge
Youth, Fresh Start and Value Checking Accounts
First 4 withdrawals at Publix per month No Charge
Non-First Choice Credit Union ATMs $2.00/ea.
Value Plus Checking – first 4 per month No Charge
Premiere Checking – first 7 per month No Charge
Thereafter $2.00/ea.
Members with a share account or E.T.A. only $2.00/ea.
Transfers, Inquiries $2.00/ea.
Credit Card (MasterCard)
Cash Advance $1.00 minimum or 3% not to exceed $10.00
VISA (Debit Card)
Currency Conversion Fee 1.00% of transaction
Foreign Transaction Fee 1.00% of transaction
Other Fees
Money Orders $2.00/ea.
Official Checks < $200 – $5.00/ea.; > $200 -$2.00/ea.
Bad Address $5.00/mo.
ACH NSF $32.00/ea.
Stop Payment/Official Check $32.00/ea.
Account Research ($5 minimum) $20.00 per hour
Photocopy/Official Checks $10.00/ea.
Photocopies $1.00 per page
Foreign Collection $10.00 – $25.00
Return Deposit Fee $30.00
Safe Deposit Re-Key Up to $300.00
CO-OP Shared Branch Transaction (excludes deposits) $2.00 per day
Verification of Deposit $10.00/ea.
Club Withdrawal

$5.00/ea. (one free per year)

Notary Service / Signature Guarantee $5.00/ea.
Loan Payment by Credit/Debit Card by phone $10.00/ea.
Coin Counter

5% for members

10% for non-members

All fees are subject to change.


Notice—USA Patriot Act

The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001, commonly referred to as the USA Patriot Act, is a direct response to September 11, 2001. The Department of Treasury issued new regulations setting forth minimum standards for financial institutions that relate to the identification and verification of any person who applies to open an account. This law is intended to facilitate the prevention, detection, and prosecution of international money laundering and financing of terrorism.

Effective October 1, 2003, all credit unions and other financial institutions must be in compliance with the regulations of the Patriot Act. Therefore, First Choice Credit Union adopted new procedures for opening new accounts. To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. First Choice Credit Union will now ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We ask for your cooperation and understanding in this effort to protect our nation.

Consumer Alert

First Choice Credit Union always has your financial interest in mind, and part of that is financial security and privacy. First Choice Credit Union will NEVER send you any communications with a link to a web page or login screen, or any request for personal information such as account numbers, PINs, or other passwords. If you receive a questionable email requesting personal First Choice CU information or an email that appears to be from FCCU that includes a link to any website, please contact First Choice Credit Union at (561) 641-0100 and select option 2 for our contact center. The toll-free number is (800) 449- 3328.

Reg GG Notification— Prohibition on Unlawful Funding of Internet Gambling

The Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA / Reg GG) prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling.

As defined in Regulation GG, unlawful internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or state law in the State in which the bet or wager is initiated, received or otherwise made.”

As a customer of First Choice Credit Union, Inc., these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.

Notice: Federal Reserve Bank’s Regulation E

Under the Federal Reserve Bank’s Regulation E, members of First Choice Credit Union are required to personally notify First Choice Credit Union (or opt in) if you want the Credit Union to automatically pay overdrafts on your ATM or debit card transactions through our Courtesy Pay program. First Choice Credit Union will not automatically allow overdrafts to occur on ATM or debit card transactions on existing accounts unless you give us permission to do so. As a result, you may experience more frequent denials when using your card. To avoid any interruption in your card use, please visit any First Choice Credit Union branch to enroll in our Courtesy Pay program. Please note that this regulation only applies to those transfers done by ATM/debit cards. Overdrafts occurring with Share Drafts and ACH transactions may still be automatically allowed by First Choice Credit Union for a fee. The Federal Reserve Bank’s Regulation E is a directive of the federal government and applies to all financial institutions.