First Choice America Community Federal Credit Union

Headquarters: Weirton, West Virginia
Charter: Credit Union
Assets: $713.9M
Fed district: Cleveland

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Overdraft (OD)
First Choice America Community Federal Credit Union: $30
First Choice America Community Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
First Choice America Community Federal Credit Union: $30
First Choice America Community Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
First Choice America Community Federal Credit Union: $1
First Choice America Community Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for West Virginia, the Cleveland 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).
West Virginia: Banks and credit unions headquartered in West Virginia that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 First Choice America Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Share Minimum Balance Fee (per quarter)$3
Statement Reconcilement (per hour)$5
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

ACH Overdraft Fee (per item)$30
per item
ATM/Debit Card Overdraft Fee (per item)$30
per item
PCU/BP Overdraft Fee (per item) (BillPayer)$30
per item
S/D Overdraft Fee (per item)$30
per item
PCU/BP NSF Fee (per item) (BillPayer)$30
per item
S/D Return Draft Fee (NSF) (per item)$30
per item

ATM & Card

Nonproprietary ATM per transaction$1
per transaction
Replacement Card$5
Foreign Transaction Fee1%of the transaction
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfer Fee: Outgoing$10
Wire Transfer Fee: Incoming$5
Wire Transfer Fee: Foreign$75

Check Services

Stop Payment Fee (per item/series)$10
per item
Collection Fees (incoming)$15
BillPayer Check Copy Fee$7.50
Draft Copy/Transaction Receipt Copy$2
per transaction
Share Check/Loan Check/Money Order Copy$2
per item

Digital & Electronic

ACH Return Draft Fee (NSF) (per item)$30
per item
BillPayer Same Day Check Payment$14.95
BillPayer Same Day Electronic Payment$9.95
PCU/BP Flat Fee (BillPayer)(per month)$4.95
per month
PCU/BP Uncollected Funds Fee (UCF) (per item) (BillPayer)$30
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposit Item Returned Fee$15

Account Services

10×10 (Weekly Rental Only)$5
10×10 (Wheeling Only)$50
2×5 (Chester Only)$12
Key Replacement Fee (plus locksmith fees)$10
Not compared: Box drilling or key fee
Levy Attachment Fee$15

Gift & Prepaid Cards

Visa Gift Card Fee$2.50

Other Fees

Statement Photocopy$1

Fee	Amount	Basis	Note
Account Maintenance
Share Minimum Balance Fee (per quarter)	$3	Not stated	None
Statement Reconcilement (per hour)	$5Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
ACH Overdraft Fee (per item)	$30	per item	None
ATM/Debit Card Overdraft Fee (per item)	$30	per item	None
PCU/BP Overdraft Fee (per item) (BillPayer)	$30	per item	None
S/D Overdraft Fee (per item)	$30	per item	None
PCU/BP NSF Fee (per item) (BillPayer)	$30	per item	None
S/D Return Draft Fee (NSF) (per item)	$30	per item	None
ATM & Card
Nonproprietary ATM per transaction	$1	per transaction	None
Replacement Card	$5	Not stated	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Fee: Outgoing	$10	Not stated	None
Wire Transfer Fee: Incoming	$5	Not stated	None
Wire Transfer Fee: Foreign	$75	Not stated	None
Check Services
Stop Payment Fee (per item/series)	$10	per item	None
Collection Fees (incoming)	$15	Not stated	None
BillPayer Check Copy Fee	$7.50	Not stated	None
Draft Copy/Transaction Receipt Copy	$2	per transaction	None
Share Check/Loan Check/Money Order Copy	$2	per item	None
Digital & Electronic
ACH Return Draft Fee (NSF) (per item)	$30	per item	None
BillPayer Same Day Check Payment	$14.95	Not stated	None
BillPayer Same Day Electronic Payment	$9.95	Not stated	None
PCU/BP Flat Fee (BillPayer)(per month)	$4.95	per month	None
PCU/BP Uncollected Funds Fee (UCF) (per item) (BillPayer)	$30Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposit Item Returned Fee	$15	Not stated	None
Account Services
10×10 (Weekly Rental Only)	$5	Not stated	None
10×10 (Wheeling Only)	$50	Not stated	None
2×5 (Chester Only)	$12	Not stated	None
Key Replacement Fee (plus locksmith fees)	$10Not compared: Box drilling or key fee	Not stated	None
Levy Attachment Fee	$15	Not stated	None
Gift & Prepaid Cards
Visa Gift Card Fee	$2.50	Not stated	None
Other Fees
Statement Photocopy	$1	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 1, 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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