First Choice Federal Credit Union

Headquarters: West Palm Beach, Florida
Charter: Credit Union
Assets: $161.3M
Fed district: Atlanta

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

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

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Fresh Start Checking
First Choice Federal Credit Union: $10
First Choice Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
First Choice Federal Credit Union: $15
First Choice Federal Credit Union: $15
U.S. median: no median
NSF / Returned Item
First Choice Federal Credit Union: $15
First Choice Federal Credit Union: $15
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 First Choice Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Fresh Start Checking Service Charge$10
per month
Service Charge$10
per month
Below minimum balance$15
per month
Below minimum balance$5
per month
Close Share Account Within 90 Days$25
Escheat Processing$25
Account Research ($5 minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Reconciling account ($5 minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address$5
per month

Overdraft & NSF

Paid NSF$15
per item
ACH NSF$15
per item
NSF$15
per item

ATM & Card

Debit Card Rush Order Fee$65
one time
Foreign Transaction Fee1%of the transaction
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Domestic Outgoing Wire Transfers$25
per item
Wires: Incoming$10
per item

Check Services

Official Checks ($200 or greater)$2
per item
Official Checks (Less than $200)$5
per item
Money Orders$2
per item
Stop Payment$15
per item
Stop Payment/Official Check$15
per item
Draft photocopies$4
per item
Photocopy/Official Checks$10
per item

Digital & Electronic

Bill Pay$3.95
per month

Cash & Deposit

Cash Advance for Loan Payment by Credit/Debit Card$10
per item
Cash Advance for Loan Payment by Credit/Debit Card (Online)$4.95
per item
Deposited items returned$10
per item
Return Check Deposit$10
per item
Self-toself Return Check Deposit$30

Account Services

Notary Service / Signature Guarantee$5
per item
Writs of Garnishment$50
per item
Verification of Deposit$10
per item

Other Fees

Draft photocopies$4
per item
Interim of full statement photocopies$1
Not compared: Charged per page; comparison unavailable
per page
Interim or Full Statement Copies$1
Not compared: Charged per page; comparison unavailable
per page · Interim or Full Statement Copies | $1.00 per page
Photocopies$1
Not compared: Charged per page; comparison unavailable
per page · Photocopies | $1.00 per page
Photocopies$4
per item
Loan Payment by Credit/Debit Card by phone$10
per item

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Service Charge	$10	per month	None
Service Charge	$10	per month	None
Below minimum balance	$15	per month	None
Below minimum balance	$5	per month	None
Close Share Account Within 90 Days	$25	Not stated	None
Escheat Processing	$25	Not stated	None
Account Research ($5 minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Reconciling account ($5 minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address	$5	per month	None
Overdraft & NSF
Paid NSF	$15	per item	None
ACH NSF	$15	per item	None
NSF	$15	per item	None
ATM & Card
Debit Card Rush Order Fee	$65	one time	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
Domestic Outgoing Wire Transfers	$25	per item	None
Wires: Incoming	$10	per item	None
Check Services
Official Checks ($200 or greater)	$2	per item	None
Official Checks (Less than $200)	$5	per item	None
Money Orders	$2	per item	None
Stop Payment	$15	per item	None
Stop Payment/Official Check	$15	per item	None
Draft photocopies	$4	per item	None
Photocopy/Official Checks	$10	per item	None
Digital & Electronic
Bill Pay	$3.95	per month	None
Cash & Deposit
Cash Advance for Loan Payment by Credit/Debit Card	$10	per item	None
Cash Advance for Loan Payment by Credit/Debit Card (Online)	$4.95	per item	None
Deposited items returned	$10	per item	None
Return Check Deposit	$10	per item	None
Self-toself Return Check Deposit	$30	Not stated	None
Account Services
Notary Service / Signature Guarantee	$5	per item	None
Writs of Garnishment	$50	per item	None
Verification of Deposit	$10	per item	None
Other Fees
Draft photocopies	$4	per item	None
Interim of full statement photocopies	$1Not compared: Charged per page; comparison unavailable	per page	None
Interim or Full Statement Copies	$1Not compared: Charged per page; comparison unavailable	per page	Interim or Full Statement Copies \| $1.00 per page
Photocopies	$1Not compared: Charged per page; comparison unavailable	per page	Photocopies \| $1.00 per page
Photocopies	$4	per item	None
Loan Payment by Credit/Debit Card by phone	$10	per item	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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