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Fee Schedule

Affinity Federal Credit Union

Card Service Fees
Applies to Debit Cards, ATM Cards & Credit Cards
Fee Amount
Effective January 1, 2022.
Debit Card Transactions - signature & PIN-based No Charge
In network ATM transactions1 No charge
Out-of-network ATM transactions No charge
Credit Card Late Payment Charge See credit card agreement
Additional/Replacement Card $5 each
Credit/Debit Card Sales Receipt Copy $15 each
Foreign Currency Conversion4 2% of transaction amount


Account Service Fees
Applies to Checking, Savings and Money Manager accounts
Fee Amount
Effective January 1, 2022.
MoreChecking Minimum Balance Charge
(if average daily balance falls below $1,000)2
$7 per month
Money Manager Minimum Balance Charge
(if average daily balance falls below $2,500)
$10 per month
Insufficient funds (whether paid or returned)
(Check, ACH, Recurring Debit Card Transactions)
$33 per transaction

Premium OD Usage Fee (Debit Card Overdrafts Paid)

$15 per transaction
(If transaction is $75 or greater)
Uncollected Funds Fee
(Check, ACH, Debit Card, and ATM)
$33 per transaction
Cashed/Deposited Item Returned Unpaid
(Item cashed or deposited to your account and returned unpaid for any reason)
$15 per item
Copy of Check
(upon request)
$7 each
Temporary Checks No Charge
Stop Payment
(Check, ACH)
$33 per transaction
Check Orders and Delivery Fee varies for quantity, style, design and delivery options.
Foreign Check Collection
(plus processing fee from foreign bank)
$20 each per item plus foreign bank fees


General Service Fees Fee Amount
Effective January 1, 2022.
Paper Statement Fee3 $2 per month
IRA/HSA/Coverdell Asset Transfer Fee
(assessed when transferring funds to another financial institution)
$50 per transfer
Statement Copy
(upon request)
$3 per statement
Account print out
(upon request)
$3 per print out
Account Research $20 per hour
(1 hr minimum)
Money Order $3 each
Official/Cashiers Check
(when payable to 3rd party)
$7 each
Legal Processing
(Includes levy, writ, garnishment, subpoena and requests for information from law enforcement agencies)
$100 each
Returned Mail
(member statements only)
$5 per month
Account Verification Letter/Forms Completion $10 each
Consul Immigration Letter
(per letter)
$10 each
Duplicate IRS Reporting Forms Fee $5 
Check Cashing Fee
(Non-Members Only)
$5 per item


Coin Processing Fees Fee Amount
Effective January 1, 2022.
Less than $10 No Charge
$10 - $500 $5
Greater than $500 $10
Branch Coin Machine Processing Fee No Charge


Wire Transfer Fees Fee Amount
Effective January 1, 2022.
Incoming Wire
(domestic and international)
No Charge
Outgoing Domestic Wire $25 per wire
Outgoing International Wire $45 per wire
Safe Deposit Box Fees Fee Amount
Effective January 1, 2022.
Safe Deposit Box Rental Varies by size
Safe Deposit Box Rental Late Charge $10
(per month after 30 days late)
Safe Deposit Box Drilling $150
Safe Deposit Box Lost/Replacement Key $20

Delivery Fees Fee Amount
Effective January 1, 2022.
Next Day Delivery Mon. - Fri. $15
Next Day Delivery Saturday $18
2nd Day Delivery Mon. - Fri. $13
2nd Day Delivery Saturday $15

Online/Mobile Banking Bill Payment Fees Fee Amount
Effective January 1, 2022.
Expedited Electronic Payment $10 each
Expedited Check $25 each
Standard Electronic or Check Payment No Charge

Loan Fees Fee Amount
Effective January 1, 2022.
Loan Investigation Research $20 per hour
(1 hr minimum)
Mortgage Cancellation $25 plus county cost
Statement Copies $3 per statement
Document Rush Fee $25 each

Affinity Loan Payment Services Fee Amount
Web Payment $4.99
Interactive Voice Response (IVR) Payment $4.99
Over-the-Phone Payment with Agent $9.99
Online/Mobile Banking ACH Payment No Charge
Online/Mobile Banking Debit Card Payment $4.95

If you have any questions regarding our Fee Schedule, please call our Member Service Center at 800.325.0808.