First Commonwealth Federal Credit Union

Headquarters: Lehigh Valley, Pennsylvania
Charter: Credit Union
Assets: $1.5B
Fed district: Philadelphia

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

Source: its fee schedule, read Oct 16, 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 Commonwealth Federal Credit Union: $25
First Commonwealth Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
First Commonwealth Federal Credit Union: $25
First Commonwealth Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Leaves out 1 fee charged on a different basis filed under this fee.
First Commonwealth Federal Credit Union: $1
First Commonwealth Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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 Commonwealth Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure Fee (audience not stated, treated as personal)$20
Dormant Account Fee Fee applies after 15 months of account inactivity (audience not stated, treated as personal)$5
Account Balancing Assistance (audience not stated, treated as personal)$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (audience not stated, treated as personal)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee if not enrolled in eStatements$3
Bad Address$10
Locator Service (audience not stated, treated as personal)$10

Overdraft & NSF

Courtesy Pay (Max. 4 per day) Excludes Fresh Start Checking (audience not stated, treated as personal)$25
Nonsufficient Funds and Other Returned Items (audience not stated, treated as personal)$25
Nonsufficient funds fee$25
per item
Automatic Overdraft Transfer to/from Checking or Savings (audience not stated, treated as personal)$5
per item

ATM & Card

ATM Card Usage$1.50
Not compared: Monthly charge, not per item
per month
Non-Network ATM$1
Card Replacement$10
Replacement card fee$10
per item
Foreign transaction fee (multiple currency)1%of the transaction

Wire Transfers

Wire Transfer Fee (Outgoing-Domestic)$25
per item
Wire Transfer Fee - (Incoming-Domestic)$10
Wire Transfer Fee (Outgoing-International)$60
per item
Wire Transfer Fee (Incoming-International)$10

Check Services

Cashier's Check (audience not stated, treated as personal)$7
Money Order (audience not stated, treated as personal)$4
per item
Stop Payment ACH Fee (audience not stated, treated as personal)$22
Stop Payment for Check Fee (audience not stated, treated as personal)$22
Collection Item (Outgoing) (audience not stated, treated as personal)$100

Account Services

Safe Deposit Box 10" x 10" x 24$105
per year
Safe Deposit Box 3" x 10" x 24$45
per year
Safe Deposit Box 3" x 5" x 24"$30
per year
Safe Deposit Box 5" x 10" x 24"$65
per year
Safe Deposit Box 5" x 5" x 24$40
per year

Gift & Prepaid Cards

VISA Gift Cards$3

Other Fees

Account Activity / In-Center Statement Printout (audience not stated, treated as personal)$5

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Fee (audience not stated, treated as personal)	$20	Not stated	None
Dormant Account Fee Fee applies after 15 months of account inactivity (audience not stated, treated as personal)	$5	Not stated	None
Account Balancing Assistance (audience not stated, treated as personal)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (audience not stated, treated as personal)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee if not enrolled in eStatements	$3	Not stated	None
Bad Address	$10	Not stated	None
Locator Service (audience not stated, treated as personal)	$10	Not stated	None
Overdraft & NSF
Courtesy Pay (Max. 4 per day) Excludes Fresh Start Checking (audience not stated, treated as personal)	$25	Not stated	None
Nonsufficient Funds and Other Returned Items (audience not stated, treated as personal)	$25	Not stated	None
Nonsufficient funds fee	$25	per item	None
Automatic Overdraft Transfer to/from Checking or Savings (audience not stated, treated as personal)	$5	per item	None
ATM & Card
ATM Card Usage	$1.50Not compared: Monthly charge, not per item	per month	None
Non-Network ATM	$1	Not stated	None
Card Replacement	$10	Not stated	None
Replacement card fee	$10	per item	None
Foreign transaction fee (multiple currency)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Fee (Outgoing-Domestic)	$25	per item	None
Wire Transfer Fee - (Incoming-Domestic)	$10	Not stated	None
Wire Transfer Fee (Outgoing-International)	$60	per item	None
Wire Transfer Fee (Incoming-International)	$10	Not stated	None
Check Services
Cashier's Check (audience not stated, treated as personal)	$7	Not stated	None
Money Order (audience not stated, treated as personal)	$4	per item	None
Stop Payment ACH Fee (audience not stated, treated as personal)	$22	Not stated	None
Stop Payment for Check Fee (audience not stated, treated as personal)	$22	Not stated	None
Collection Item (Outgoing) (audience not stated, treated as personal)	$100	Not stated	None
Account Services
Safe Deposit Box 10" x 10" x 24	$105	per year	None
Safe Deposit Box 3" x 10" x 24	$45	per year	None
Safe Deposit Box 3" x 5" x 24"	$30	per year	None
Safe Deposit Box 5" x 10" x 24"	$65	per year	None
Safe Deposit Box 5" x 5" x 24	$40	per year	None
Gift & Prepaid Cards
VISA Gift Cards	$3	Not stated	None
Other Fees
Account Activity / In-Center Statement Printout (audience not stated, treated as personal)	$5	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

Oct 16, 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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