Ficare Federal Credit Union

Headquarters: Wesley Chapel, Florida
Charter: Credit Union
Assets: $77.4M
Fed district: Atlanta

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Monthly Maintenance
Ficare Federal Credit Union: No fee
Ficare Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Ficare Federal Credit Union: $35
Ficare Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Ficare Federal Credit Union: $35
Ficare Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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

Account Maintenance

Checking account monthly maintenance feeNo charge
per month
Account Closing (Opened Less Than Six Months)$25
Dormant Account (Monthly)$15
per month
Account Reconciliation/Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement (Ages 18-70)$6
Returned Mail (monthly)$10
per month

Overdraft & NSF

Courtesy Pay$35
Returned Items$35
Overdraft Transfer (per transaction)$8
per item

ATM & Card

ATM Fees (Withdraw/Transfer) at Foreign ATM$3
per item
FiCare ATM$4
Foreign ATM fee$1
per transaction
Card Replacement Fee$15
per item
Lost Debit Card Replacement$15
Rush Order Card Replacement (mailed)$50

Wire Transfers

Domestic Bank to Bank Wire - Outgoing$35
Domestic Bank to Bank Wire - Incoming$10

Check Services

CU Official Check Stop Payment$35
Stop Payment$50
Stop payment fee$50
per item
'On-Us' Check Cashing (Non-Members)$10
Check copy (front and back)$5
per item
Check Image/Copy$5
Check Photocopy$10

Digital & Electronic

BILLPAY Overnight Check Payment$14.95
BILLPAY Same-Day Account to Account Transfer$2
BILLPAY Same-Day Electronic Payment$9.95
Online Bill Pay (audience not stated, treated as personal)No charge

Account Services

Notary Service (Non-Members)$10
Garnishment, Levy, Legal Process$100
Loan Subordination Request$75
Verification of Deposit$25

Retirement & IRA

IRA Transfer Fee$35

Other Fees

Statement Copy (Per Month)$10
Not compared: Monthly charge, not per item
per month
Loan Refinance Fee (FiCare Loan)$60
Payday Alternative Loan Processing Fee$20
Skip-A-Payment$40

Fee	Amount	Basis	Note
Account Maintenance
Checking account monthly maintenance fee	No charge	per month	None
Account Closing (Opened Less Than Six Months)	$25	Not stated	None
Dormant Account (Monthly)	$15	per month	None
Account Reconciliation/Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement (Ages 18-70)	$6	Not stated	None
Returned Mail (monthly)	$10	per month	None
Overdraft & NSF
Courtesy Pay	$35	Not stated	None
Returned Items	$35	Not stated	None
Overdraft Transfer (per transaction)	$8	per item	None
ATM & Card
ATM Fees (Withdraw/Transfer) at Foreign ATM	$3	per item	None
FiCare ATM	$4	Not stated	None
Foreign ATM fee	$1	per transaction	None
Card Replacement Fee	$15	per item	None
Lost Debit Card Replacement	$15	Not stated	None
Rush Order Card Replacement (mailed)	$50	Not stated	None
Wire Transfers
Domestic Bank to Bank Wire - Outgoing	$35	Not stated	None
Domestic Bank to Bank Wire - Incoming	$10	Not stated	None
Check Services
CU Official Check Stop Payment	$35	Not stated	None
Stop Payment	$50	Not stated	None
Stop payment fee	$50	per item	None
'On-Us' Check Cashing (Non-Members)	$10	Not stated	None
Check copy (front and back)	$5	per item	None
Check Image/Copy	$5	Not stated	None
Check Photocopy	$10	Not stated	None
Digital & Electronic
BILLPAY Overnight Check Payment	$14.95	Not stated	None
BILLPAY Same-Day Account to Account Transfer	$2	Not stated	None
BILLPAY Same-Day Electronic Payment	$9.95	Not stated	None
Online Bill Pay (audience not stated, treated as personal)	No charge	Not stated	None
Account Services
Notary Service (Non-Members)	$10	Not stated	None
Garnishment, Levy, Legal Process	$100	Not stated	None
Loan Subordination Request	$75	Not stated	None
Verification of Deposit	$25	Not stated	None
Retirement & IRA
IRA Transfer Fee	$35	Not stated	None
Other Fees
Statement Copy (Per Month)	$10Not compared: Monthly charge, not per item	per month	None
Loan Refinance Fee (FiCare Loan)	$60	Not stated	None
Payday Alternative Loan Processing Fee	$20	Not stated	None
Skip-A-Payment	$40	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 2, 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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