Fees
& ChargesFees
& Charges| Description | Fee |
| ATM | |
| Overdraft | $30.00 |
| Withdrawal at non-USPS FCU ATM** | $1.50 |
| Replacement/Lost Card | $10.00 |
| ATM Deposit Adjustment | $5.00 |
| ATM Balance Inquiry at non-USPS FCU ATM | $1.00 |
| Check Fees | |
| Certified Checks | $15.00 |
| Check Copy * | $5.00 |
| Returned for Insufficient Funds | $30.00 |
| Courtesy Pay Fee | $30.00 |
| Returned Deposited Item (third-party check) | $20.00 |
| Stop Payment for Credit Union Checks within 14 days after issuance | $20.00 |
| Stop Payment (personal) per check* | $25.00 |
| Maximum fee for multiple checks due to lost or stolen books | $50.00 |
| Cashier's Check (CA only) | $10.00 |
| Third-party withdrawal checks | $15.00 |
| Check withdrawals by phone via Personal Service Representative | $5.00 |
| Check Cashing | |
| Payroll or personal check without Direct Deposit or $250 combined savings balance | $10.00 |
| Other Fees | |
| Statement Copy * | $5.00 |
| Statement Research per hour (no charge if C.U. error) | $20.00/hr. |
| Reopen Checking Account | $20.00 |
| Domestic Bank Wires | $25.00 |
| International Bank Wires | $75.00 |
| Deposit Verification | $5.00 |
| Dormant Account (no activity for more than 3 years) | $25.00 |
| Loan Application Resubmission Fee | $25.00 |
| Medallion Signature Guarantee Fee | $30.00 |
| Call-in transfers via Personal Service Representative* | $2.00 |
| Membership Fee | $5.00 |
| Garnishment/Lien/Levy | $50.00 |
| Bad Address/Return Mail | $5.00 |
| Balance Inquiry Fee via Personal Service Representative* | $5.00 |
| Minimum Balance Fee – Savings (6 mo. grace period for new accounts) | $10.00 |
| Minimum Balance Fee – Interest Checking | $5.00 |
| Minimum Balance Fee – Money Market Checking | $10.00 |
| Replacement/Lost Debit Card | $10.00 |
| Check Printing | |
| Call Liberty Checks & Services, Inc. at (877) 585-8777 for current prices. | |
| Check Hold Policy | |
| See our Funds Availability Disclosure for details | |
| VISA | |
| VISA Late Fee | $30.00 |
| VISA Overlimit Fee | $30.00 |
| VISA Letter Check Return Fee | $30.00 |
| VISA Card picked up by merchant | $55.00 |
| Copies of VISA sales drafts | $10.00 each |
| ACH | |
| ACH Stop Payment | $25.00 |
| ACH Return for Insufficient Funds | $30.00 |
* Fees can be avoided by utilizing electronic services on your account.
**This fee does not apply to Standard or Preferred Members.
Standard Membership - Available with an Access or Interest Checking account, single monthly direct deposit of $500 or more, and a USPS FCU VISA Check Card. Direct deposit requirement waived for members under age 23.
Preferred Membership - Available with a Money Market Checking account, single monthly direct deposit of $500 or more, and a USPS VISA Check Card. Direct deposit requirement waived for members under age 23.