Four Seasons Federal Credit Union

Headquarters: Opelika, Alabama
Charter: Credit Union
Assets: $103.7M
Fed district: Atlanta

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

Source: its fee schedule, read Feb 17, 2026.

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Fees against the market

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

NSF / Returned Item
Four Seasons Federal Credit Union: $20
Four Seasons Federal Credit Union: $20
U.S. median: no median
Non-Network ATM
Four Seasons Federal Credit Union: $1.25
Four Seasons Federal Credit Union: $1.25
U.S. median: no median
Wire Transfer (Domestic Out)
Four Seasons Federal Credit Union: $10
Four Seasons Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Alabama, 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).
Alabama: Banks and credit unions headquartered in Alabama 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 Four Seasons Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Applies if account is closed within 60 days of the account being opened$10
Inactive Checking Account Fee$5
per month

Overdraft & NSF

Debit Card Withdrawal Non-Sufficient Funds (NSF) Fee (audience not stated, treated as personal)$20
per item
Returned Check / Non-Sufficient Funds (NSF) Fee (audience not stated, treated as personal)$20
per item

ATM & Card

Applies when using a non-Four Seasons FCU ATM or a non-AllPoint Network ATM. Other ATM providers may charge (audience not stated, treated as personal)$1.25
per transaction
Debit / Credit Card Replacement Fee (Instant or Mailed) (audience not stated, treated as personal)$10
per item
With Rush Processing by Mail (audience not stated, treated as personal)$45
per item
With Rush Processing by Mail & Express Shipping (audience not stated, treated as personal)$95
per item

Wire Transfers

Domestic Wire Transfer Fee$10
per item
International Wire Transfer Fee$45
per item

Check Services

Money Order Fee$2
per item
ACH Stop Payment Fee (audience not stated, treated as personal)$20
per item
Stop Payment Fee on Single Item (audience not stated, treated as personal)$30
per item
Counter Check Fee (audience not stated, treated as personal)$5
per item

Cash & Deposit

Coin machine5%
Deposited Item Return Fee$30
per item

Account Services

NOTARY FEE MAY CHARGE$5
Garnishment / Levy$10
per item

Other Fees

Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Applies if account is closed within 60 days of the account being opened	$10	Not stated	None
Inactive Checking Account Fee	$5	per month	None
Overdraft & NSF
Debit Card Withdrawal Non-Sufficient Funds (NSF) Fee (audience not stated, treated as personal)	$20	per item	None
Returned Check / Non-Sufficient Funds (NSF) Fee (audience not stated, treated as personal)	$20	per item	None
ATM & Card
Applies when using a non-Four Seasons FCU ATM or a non-AllPoint Network ATM. Other ATM providers may charge (audience not stated, treated as personal)	$1.25	per transaction	None
Debit / Credit Card Replacement Fee (Instant or Mailed) (audience not stated, treated as personal)	$10	per item	None
With Rush Processing by Mail (audience not stated, treated as personal)	$45	per item	None
With Rush Processing by Mail & Express Shipping (audience not stated, treated as personal)	$95	per item	None
Wire Transfers
Domestic Wire Transfer Fee	$10	per item	None
International Wire Transfer Fee	$45	per item	None
Check Services
Money Order Fee	$2	per item	None
ACH Stop Payment Fee (audience not stated, treated as personal)	$20	per item	None
Stop Payment Fee on Single Item (audience not stated, treated as personal)	$30	per item	None
Counter Check Fee (audience not stated, treated as personal)	$5	per item	None
Cash & Deposit
Coin machine	5%	Not stated	None
Deposited Item Return Fee	$30	per item	None
Account Services
NOTARY FEE MAY CHARGE	$5	Not stated	None
Garnishment / Levy	$10	per item	None
Other Fees
Statement Copy	$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

Feb 17, 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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