VerifiedCommunity credit union, $300M to $1B

First Credit Union

Chandler, ArizonaCredit UnionDallas district

Fee schedule collected Apr 6, 2026 · Financials as of Q1 2026

Website Published fee schedule

Verified fees

Under review

Assets

$785.8M

Fee benchmark score

Not scored

Financials as of

Q1 2026

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$20

Overdraft fee: $20

31% below the national median overdraft fee

Total fees: 35

Fee Schedule

Published fees

Verified fees power benchmarks; fees under review do not.

Account MaintenanceVerified

Account Research$20
varies · Per hour · Source

Fee	Amount	Basis	Note	Source
Account MaintenanceVerified
Account Research	$20	varies	Per hour	Source
Business First Checking - Transactions-Over 150	$0.15	per item	First 150 transactions no charge	Source
Business First Monthly Charge	$12	per month	Reduced to $10.00 when enrolled in eDocuments. No charge if you maintain a $1,500 min. daily balance	Source
Business) - Monthly Maintenance Fee	$10	per month	Monthly service cost is waived when $1,000 minimum money market daily account balance is maintained	Source
Certificate Early Withdrawal Penalty	—	per item	The penalty is equal to 1.00% of the certificate principal per day throughout the remaining term of the certificate. There is a minimum early withdrawal penalty of $25.00 and a maximum penalty of 2.00% of the principal balance if more than two (2) years of the certificate term remain.	Source
Excess Transaction Limit	$10	per item	Regular Savings, Additional Savings, and Money Market accounts are limited to six (6) transactions per calendar month from each account. Service cost is assessed for transactions that exceed this limit.	Source
Returned Mail for Bad Address	$5	one time	One-time service cost for each address change	Source
Statement Copy	$3	per item	—	Source
Sunshine Checking - 1-Perk Subscription	$3.50	per month	—	Source
Sunshine Checking - 2-Perk Subscription	$5	per month	—	Source
Sunshine Checking - All Perks Subscription	$7.99	per month	—	Source
Sunshine Checking - Under Utilization	$5	per month	Assessed for members 25 and older after 6 consecutive months without one of the following: Receive a direct deposit during statement cycle, Complete (post & clear) at least 10 firstcu debit card purchases, Maintain a $100 minimum daily account balance	Source
Unclaimed Funds Fee	$100	per item	—	Source
Overdraft & NSFVerified
Deposit Item Returned for NSF	$35	per item	—	Source
Non-Sufficient Funds - Overdraft	$20	per item	An NSF service charge is assessed each time an item is presented against insufficient funds. The payee (or the payee's institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate service charge.	Source
ATM & CardVerified
Out-of-Network ATM Usage	$4.50	per item	First four (4) withdrawals per calendar month at any Out-of-Network ATM are FREE. Out-of-Network ATM is any non-FCU ATM or any ATM not part of the CO-OP ATM network.	Source
Visa Card Fee	$50	per item	—	Source

Wire TransfersVerified
Wire Transfer - Outgoing Domestic	$20	per item	—	Source
Wire Transfer - Outgoing International	$40	per item	—	Source
Check ServicesVerified
Check Cashing for Non-Members	$8	per item	—	Source
Check Copies	$2	per item	First six (6) check copies per calendar are FREE with First Premier Checking	Source
FCU Official Check Copy
Cash & DepositVerified
Coin Counter - All Other Members	—	per item	6.5% fee	Source
Coin Counter - Non-Members	—	per item	10.0% fee	Source
Items Sent for Collection
Account ServicesVerified
Legal Processing	$100	per item	—	Source
Verification of Deposit Form Processing	$10	per item	—	Source

Fee

Amount

Basis

Note

Source

Account MaintenanceVerified

Account Research

$20

varies

Per hour

Source

Business First Checking - Transactions-Over 150

$0.15

per item

First 150 transactions no charge

Source

Business First Monthly Charge

$12

per month

Reduced to $10.00 when enrolled in eDocuments. No charge if you maintain a $1,500 min. daily balance

Source

Business) - Monthly Maintenance Fee

$10

per month

Monthly service cost is waived when $1,000 minimum money market daily account balance is maintained

Source

Certificate Early Withdrawal Penalty

—

per item

The penalty is equal to 1.00% of the certificate principal per day throughout the remaining term of the certificate. There is a minimum early withdrawal penalty of $25.00 and a maximum penalty of 2.00% of the principal balance if more than two (2) years of the certificate term remain.

Source

Excess Transaction Limit

$10

per item

Regular Savings, Additional Savings, and Money Market accounts are limited to six (6) transactions per calendar month from each account. Service cost is assessed for transactions that exceed this limit.

Source

Returned Mail for Bad Address

one time

One-time service cost for each address change

Source

Statement Copy

per item

—

Source

Sunshine Checking - 1-Perk Subscription

$3.50

per month

—

Source

Sunshine Checking - 2-Perk Subscription

per month

—

Source

Sunshine Checking - All Perks Subscription

$7.99

per month

—

Source

Sunshine Checking - Under Utilization

per month

Assessed for members 25 and older after 6 consecutive months without one of the following: Receive a direct deposit during statement cycle, Complete (post & clear) at least 10 firstcu debit card purchases, Maintain a $100 minimum daily account balance

Source

Unclaimed Funds Fee

$100

per item

—

Source

Overdraft & NSFVerified

Deposit Item Returned for NSF

$35

per item

—

Source

Non-Sufficient Funds - Overdraft

$20

per item

An NSF service charge is assessed each time an item is presented against insufficient funds. The payee (or the payee's institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate service charge.

Source

ATM & CardVerified

Out-of-Network ATM Usage

$4.50

per item

First four (4) withdrawals per calendar month at any Out-of-Network ATM are FREE. Out-of-Network ATM is any non-FCU ATM or any ATM not part of the CO-OP ATM network.

Source

Visa Card Fee

$50

per item

—

Source

Wire TransfersVerified

Wire Transfer - Outgoing Domestic

$20

per item

—

Source