Fedchoice Federal Credit Union

Headquarters: Lanham, Maryland
Charter: Credit Union
Assets: $468.7M
Fed district: Richmond

25 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Fedchoice Federal Credit Union: $30
Fedchoice Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Fedchoice Federal Credit Union: $1
Fedchoice Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Fedchoice Federal Credit Union: $15
Fedchoice Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Fedchoice Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closed (within 12 months of opening)$20
Escheat Fee$100
Inactive Account (account dormant for 1 year or more; combined deposit account balances <$500.00)$20
Not compared: Quarterly charge, not monthly
per quarter
Account Reconciliation or Research Assistance (1 hour minimum)$15
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation or Research Assistance (1 hour minimum) | $15.00/hour
Paper Statement Fee$3
per month
"Priority"/4-5 Business Days Shipping Cost Undelivered card due to bad address$30
Incorrect Address$20
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Non-Sufficient Funds (NSF) - all forms$30
per item
Visa® Non-Sufficient Funds (NSF) Fee$30
per item
Checking Overdraft Transfers from Share Account+$5
per item

ATM & Card

Transactions at non-FedChoice ATMs (Usage: >5 month)$1
per item
Debit Card or Credit Card Replacement$5
Debit Card or Credit Card Replacement PIN$1
Increased Card Shipping Costs "Rush"/2-3 Business Days Shipping Cost$50

Wire Transfers

Wire: Outgoing/Domestic#$15
Wire: Outgoing/Foreign$35

Check Services

Cashier's Check (Payable to self or payable to third party)$5
per item
Money Order (maximum amount $1,000.00)$3
Money Order Stop Payment$25
Revoke Stop Payment$25
Stop Payment (per item or series)$25
per item
Check Copy$2
per item
Foreign Item (check copy request)$5
per item
Money Order Copy$10

Digital & Electronic

BillPay Payment Request$25
BillPay/Payment SystemNo charge

Cash & Deposit

Returned Deposit/Electronic Funds Transfer (EFT)/ACH$10
per item

Account Services

Notary Service (for FedChoice members)No charge
Levy/Garnishment Attachments$125
Subordination$150
Subordination - Rush (48 Hours)$200
Third-Party Verification of Deposit or Loan$5

Lending Fees

All Other Closed-End Late Loan Payments$35
Instant Access/HELOC Late Loan Payment$35

Gift & Prepaid Cards

MasterCard® Gift Cards$5.95
per item

Other Fees

Copy of Signed VISA® Credit/Debit Card Transaction$25
Copy of Transaction History$1
Not compared: Charged per page; comparison unavailable
per page · Copy of Transaction History | $1.00/page
Document Copy$5
per item
Statement Reprint$5
Not compared: Charged per statement; comparison unavailable
per statement · Statement Reprint | $5.00/statement
Lien Release Re-Issue$15
Loan Skip-a-Pay (limit 2 per loan/per 12 months)$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closed (within 12 months of opening)	$20	Not stated	None
Escheat Fee	$100	Not stated	None
Inactive Account (account dormant for 1 year or more; combined deposit account balances <$500.00)	$20Not compared: Quarterly charge, not monthly	per quarter	None
Account Reconciliation or Research Assistance (1 hour minimum)	$15Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation or Research Assistance (1 hour minimum) \| $15.00/hour
Paper Statement Fee	$3	per month	None
"Priority"/4-5 Business Days Shipping Cost Undelivered card due to bad address	$30	Not stated	None
Incorrect Address	$20Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Non-Sufficient Funds (NSF) - all forms	$30	per item	None
Visa® Non-Sufficient Funds (NSF) Fee	$30	per item	None
Checking Overdraft Transfers from Share Account+	$5	per item	None
ATM & Card
Transactions at non-FedChoice ATMs (Usage: >5 month)	$1	per item	None
Debit Card or Credit Card Replacement	$5	Not stated	None
Debit Card or Credit Card Replacement PIN	$1	Not stated	None
Increased Card Shipping Costs "Rush"/2-3 Business Days Shipping Cost	$50	Not stated	None
Wire Transfers
Wire: Outgoing/Domestic#	$15	Not stated	None
Wire: Outgoing/Foreign	$35	Not stated	None
Check Services
Cashier's Check (Payable to self or payable to third party)	$5	per item	None
Money Order (maximum amount $1,000.00)	$3	Not stated	None
Money Order Stop Payment	$25	Not stated	None
Revoke Stop Payment	$25	Not stated	None
Stop Payment (per item or series)	$25	per item	None
Check Copy	$2	per item	None
Foreign Item (check copy request)	$5	per item	None
Money Order Copy	$10	Not stated	None
Digital & Electronic
BillPay Payment Request	$25	Not stated	None
BillPay/Payment System	No charge	Not stated	None
Cash & Deposit
Returned Deposit/Electronic Funds Transfer (EFT)/ACH	$10	per item	None
Account Services
Notary Service (for FedChoice members)	No charge	Not stated	None
Levy/Garnishment Attachments	$125	Not stated	None
Subordination	$150	Not stated	None
Subordination - Rush (48 Hours)	$200	Not stated	None
Third-Party Verification of Deposit or Loan	$5	Not stated	None
Lending Fees
All Other Closed-End Late Loan Payments	$35	Not stated	None
Instant Access/HELOC Late Loan Payment	$35	Not stated	None
Gift & Prepaid Cards
MasterCard® Gift Cards	$5.95	per item	None
Other Fees
Copy of Signed VISA® Credit/Debit Card Transaction	$25	Not stated	None
Copy of Transaction History	$1Not compared: Charged per page; comparison unavailable	per page	Copy of Transaction History \| $1.00/page
Document Copy	$5	per item	None
Statement Reprint	$5Not compared: Charged per statement; comparison unavailable	per statement	Statement Reprint \| $5.00/statement
Lien Release Re-Issue	$15	Not stated	None
Loan Skip-a-Pay (limit 2 per loan/per 12 months)	$25	per item	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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