Schedule of Fees

FEES FOR ALL ACCOUNTS Fees per month per item unless otherwise noted Alert Me
Bad Address Fee $5.00
Checking Account - Advantage balance below $1,500 $10.00
Checking Account - Second Chance waived with direct deposit $10.00
Early Account Closing closing within 60 days of opening $25.00
Early Withdrawal - Club Account & Generator Share Certificate $25.00
Abandoned Accounts $50.00
European Bill Pay $2.00 in branch/$.50 online
Inactive Account Fee no account activity for 12 months or more $5.00
Money Market Excess Transaction1 $10.00
Money Market Low Balance2 $10.00
Non Sufficient Funds Return Charge $29.00
Paper Statements3 $4.00
Privilege Pay Fee4 $29.00
Returned Deposit Item $25.00
Stop Payment $20.00
Tax Levy/Garnishment Administrative Fee $75.00
CHECK CARD/ATM CARD USAGE Alert Me
Andrews Federal & CO-OP ATMs ATM Transactions free of charge
Copy of Check Card Receipt $6.00
Replacement Card ATM/Check Cards $10.00
VISA Debit Card Overdrafts5 $29.00
OTHER SERVICES AVAILABLE Alert Me
Account Research $25/minimum; fees waived if Andrews Federal error $25.00/hr
Copy of Paid Item $5.00
Copy of Statement $4.00
Express Mail subject to weight and delivery location limits costs vary
Interim Statement $4.00
Loan Late Payment 10 days after due date 5% of payment or $10, whichever is greater
Loan Payment by Phone6 $5.00
Notary $2.00
Money Order $2.00
Official Check one per day with no fee $5.00
Signature Guarantee $25.00
Special Collection Item Domestic $10.00
Foreign costs vary
Temporary Checks Per sheet (4 checks) $4.00
Verification of Deposit $25.00
Wire Transfers Western Union (Domestic) $25.00
Western Union (International) costs vary
Bank-to-Bank Outgoing Wires (Domestic) $25.00
Bank-to-Bank Outgoing Wires (International) $35.00
Bank-to-Bank Incoming Wires free of charge
  • 1Each of your savings accounts to include your money market account is limited to no more than six transfers per calendar month or statement cycle as mandated by federal regulation. This includes transfers to another account for overdraft protection or to third parties each month by check, preauthorized/ automatic agreements, telephone or computer. These withdrawals or transfers do not include in-person withdrawals or withdrawals at Automated Teller Machines [ATMs].
  • 2The low balance fee for Money Market Accounts does not apply to IRA and Roth IRA Money Market Accounts.
  • 3Members 18 and under or 62 and older are exempt from the $4 paper statement fee.
  • 4Fee is per overdraft occurrence (i.e., item paid on insufficient or unavailable funds) when your total negative checking balance is greater than ($12 negative share balance). Cap of $203 in Privilege Pay fees per account per day.
  • 5Fee is per overdraft occurrence (i.e., item paid on insufficient or unavailable funds) when your total negative checking balance is greater than ($12 negative share balance). Cap of $203 in Privilege Pay fees per account per day. Fees are assessed for overdrafts if you have made an Opt In election for Privilege Pay coverage of your VISA Debit Card.
  • 6To avoid this fee, 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.