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Lobby Closed Until Further Notice

First Choice Credit Union (FCCU) is doing its part to “flatten the curve” by reducing social exposure to help slow the spread of the coronavirus.

Effective Wednesday March 18, 2020 we are closing our lobby at the Main Branch, we are closing our VA Branch. Effective Saturday March 28th, we will discontinue all Saturday services in our lobby and drive thru.

We will continue our normal drive-up hours for cash services. Our Call Center will be open normal hours. Online and mobile services will be available as usual.

We will continue to monitor the situation and keep you updated as to when we will re-open.  Thank you for your continued membership as we all work through this challenging time.  


Fee Schedule

Share (Savings)
Open new share account $1.00
Phone Transfers $3.00/ea.
(Free - Online / Call 24)
Mailed Checks (share withdrawals) $2.00/ea.
Close share account within 90 days of opening $25.00
Close account to remove joint owner (involving any other related accounts) $25.00
Statement photocopies $1.00 per page
Interim statement printouts $1.00 per page
Writs of Garnishment $50.00/ea.
Reopen account within 6 months $15.00
Reopen account within 6 months involving other related accounts. $25.00
Single Service Fee
(Charged to Share accounts below $300.00 with no other deposit account 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 (non-sufficient funds) $32.00/ea.
Paid NSF* $32.00/ea.
Negative Balance fee $32.00/ea.
Deposited item returned $10.00/ea.
Statement printouts/Photocopies $1.00 per page
Interim statement printouts $1.00 per page
Draft photocopies $4.00/ea
Writs of Garnishment $50.00/ea.
Reconciling account ($5.00 minimum) $20.00 per hour
Collection fee $10.00/item

Checking printing charges vary with style. *Overdrafts created by checks, in person withdrawals, ATM or ACH withdrawals, or any other withdrawal via electronic means.

Value Checking
Transfer fee $3.00/ea.
(Free - Online / Call 24)
Bill Pay Fee $3.95/mo.

Value Plus Checking
Below minimum balance ($500) $5.00/mo.
Transfer fee $3.00/ea.
(Free - Online / Call 24)
Inactive Bill Pay fee $5.00 /mo.

Premiere Checking
Below minimum balance ($1,500) $10.00/mo.
Inactive Bill Pay fee $5.00 /mo.

High Yield Checking
Below minimum balance ($10,000) $10.00/mo.
Inactive Bill Pay fee $5.00 /mo.

Fresh Start Checking
Service Charge $10.00/mo.
Transfer fee $3.00/ea.
(Free - Online / Call 24)
Bill Pay Fee $3.95/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/yr.

Certificate Accounts
Early withdrawal penalties
      3 and 6 month certificates
      Over 6 month certificates
90 days interest
180 days interest

Dormant Accounts
Share balances below $300 with no other deposit/loan or Mastercard account and no member activity for 12 months. $5.00/mo.

View our wire instructions.
     Incoming $10.00/ea. - $40.00/ea
     Domestic Outgoing Wire transfers $25.00/ea.

Automated Teller Machines (ATMs) / Debit
First Debit Card No Charge
Additional Debit Cards $5.00/ea.
PIN replacement $2.00/ea.
      Value / Fresh Start Checking ( First 4 withdrawals at Publix free per month) $2.00/ea.
      Value Plus Checking - first 4 per month No Charge
      Premiere Checking - first 7 per month No Charge
      Thereafter $2.00/ea.
Withdrawals (Members with a Share Account) $2.00/ea.
Withdrawals at First Choice Credit Union Owned ATM's
No Charge
Transfers, Inquiries $2.00/ea.

Credit Card (MasterCard/Visa)
Cash Advance $1.00 minimum or 3% not to exceed $10.00

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.
Photocopy of Official checks $10.00/ea.
Account Research ($5.00 minimum) $20.00/hr.
Photocopies $1.00 per page
Foreign Collection fee $10.00 - $25.00
Phone Collection fee $10.00 per payment
Safe Deposit Re-Key Up to $300.00
Return Deposit Fee $30.00/ea.
Shared Branching Transaction fee (excludes deposits) $2.00 per day
Coin Counter 5% Members
10% Non-Members
Verification of Deposit $10.00/ea.
Club Withdrawal (One free per year) $5.00/ea.
Notary Service / Signature Guarantee $5.00/ea.
Loan payment by Credit/Debit Card $10.00/ea.
All fees are subject to change. 
Effective September 1, 2017

Mailing Address
1055 S. Congress Avenue
West Palm Beach, Florida 33406-5195

561.641.0100 Phone

Your savings are federally insured to at least $250,000 Your savings are federally insured by NCUA
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