26 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 5, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $9, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Arizona, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from First Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
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
varies · Per hour
per month
per item
one time · One-time service cost for each address change
per item
per item · Must opt-in for credit union to authorize and pay overdrafts on ATM transactions and non-recurring debit card transactions
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.
per item · Transfers made by FCU between member-designated internal accounts to cover overdraft transactions
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.
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item · First six (6) check copies per calendar are FREE with First Premier Checking
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $10 | per month | None |
| Monthly service cost is reduced | $8 | per month | None |
| Dormant Account | $100 | Not stated | None |
| Inactive Membership | $10 | per month | None |
| Sunshine Checking - Under Utilization (audience not stated, treated as personal) | $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 |
| Account Research | $20 | varies | Per hour |
| Paper Statements | $3 | per month | None |
| Excess Transaction Limit | $10 | per item | None |
| Returned Mail for Bad Address | $5Not compared: One-time charge, not monthly | one time | One-time service cost for each address change |
Overdraft & NSF | |||
| Non-Sufficient Funds – Overdraft | $20 | per item | None |
| Overdraft Payment Service | $20 | per item | Must opt-in for credit union to authorize and pay overdrafts on ATM transactions and non-recurring debit card transactions |
| 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. |
| Overdraft Transfers (audience not stated, treated as personal) | $5 | per item | Transfers made by FCU between member-designated internal accounts to cover overdraft transactions |
ATM & Card | |||
| ATM, POS, ACH, Checks, Debit <= | $5 | Not stated | None |
| Out-of-Network ATM Usage (audience not stated, treated as personal) | $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. |
| Visa Card Replacement | $5 | per item | None |
| Visa Card & PIN Replacement RUSH | $50 | per item | None |
| Visa Card Replacement RUSH | $25 | per item | None |
Wire Transfers | |||
| Wire Transfer - Outgoing Domestic | $20 | per item | None |
| Wire Transfer - Outgoing International | $40 | per item | None |
Check Services | |||
| FCU Official Checks | $5 | per item | None |
| Money Orders | $3 | per item | None |
| Regular Savings, Additional Savings, and Money Market accounts are | Money Orders | $3 | per item | None |
| Post-Dated Checks (audience not stated, treated as personal) | $35 | per item | None |
| Stop Payment | $20 | per item | None |
| Stop Payment | $20 | per item | None |
| Check Cashing for Non-Members | $8 | per item | None |
| Items Sent for Collection | $35 | Not stated | None |
| Check Copies | $2 | per item | First six (6) check copies per calendar are FREE with First Premier Checking |
| FCU Official Check Copy | $5 | per item | None |
| First six (6) check copies per calendar are | No charge | Not stated | None |
| Overspend feature with subscription. | Check Copies | $2 | per item | None |
| Receipt Copy Fee | $2 | per item | None |
Digital & Electronic | |||
| Digital Banking – Bill Payment | No charge | Not stated | None |
Cash & Deposit | |||
| Coin Counter – Glendale location only | No charge | Not stated | None |
| Deposit Item Returned for NSF | $35 | Not stated | None |
Account Services | |||
| Legal Processing | $100 | per item | None |
| Network ATM is any FCU ATM or any ATM that is part of the CO-OP | Verification of Deposit Form Processing | $10 | Not stated | None |
| Verification of Deposit Form Processing | $10 | per item | None |
Other Fees | |||
| Statement Copy | $3 | 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
Oct 5, 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.
Fee change alerts
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