First Choice Financial Federal Credit Union

Headquarters: Gloversville, New York
Charter: Credit Union
Assets: $183.7M
Fed district: New York

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

Source: its fee schedule, read Oct 23, 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 Financial Federal Credit Union: $15
First Choice Financial Federal Credit Union: $15
U.S. median: no median
Non-Network ATM
First Choice Financial Federal Credit Union: $1
First Choice Financial Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
First Choice Financial Federal Credit Union: $25
First Choice Financial Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 2026View sources

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

Account Maintenance

Closed Account Fee$25
Escheat Processing Fee$25
Inactive Account Fee$5
per month
Account Research – 1st free$25
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address Fee$2

Overdraft & NSF

Courtesy Pay (CPAY)$15
per item

ATM & Card

ATM Withdrawal Transactions$1
per item
Debit Card Replacement Fee$5
Debit Card Replacement RUSH Fee$40
Foreign transaction fee (multiple currency) (audience not stated, treated as personal)1%of the transaction

Wire Transfers

WIRE TRANSFER: Domestic Outgoing$25
WIRE TRANSFER: International Outgoing$40

Check Services

Bank Checks – 1st free$1
per item
Money Orders$1
per item
Stop Payment Bank Check$25
Copy of Bank Check$2
Copy of Paid Draft$2

Account Services

Restraining Notice/Legal Processing/Levies$50

Retirement & IRA

IRA Transfer/Closeout Fee$25

Other Fees

Photocopy of Open or Closed Account$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee	$25	Not stated	None
Escheat Processing Fee	$25	Not stated	None
Inactive Account Fee	$5	per month	None
Account Research – 1st free	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address Fee	$2	Not stated	None
Overdraft & NSF
Courtesy Pay (CPAY)	$15	per item	None
ATM & Card
ATM Withdrawal Transactions	$1	per item	None
Debit Card Replacement Fee	$5	Not stated	None
Debit Card Replacement RUSH Fee	$40	Not stated	None
Foreign transaction fee (multiple currency) (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
WIRE TRANSFER: Domestic Outgoing	$25	Not stated	None
WIRE TRANSFER: International Outgoing	$40	Not stated	None
Check Services
Bank Checks – 1st free	$1	per item	None
Money Orders	$1	per item	None
Stop Payment Bank Check	$25	Not stated	None
Copy of Bank Check	$2	Not stated	None
Copy of Paid Draft	$2	Not stated	None
Account Services
Restraining Notice/Legal Processing/Levies	$50	Not stated	None
Retirement & IRA
IRA Transfer/Closeout Fee	$25	Not stated	None
Other Fees
Photocopy of Open or Closed Account	$2Not compared: Charged per page; comparison unavailable	per page	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 23, 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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