Account Fees

Understanding costs associated with your account

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Account Fees

Schedule of Fees

This list of fees and charges will help you ensure you have a good understanding of costs associated with your account or with specific financial transactions. If you have questions about a specific fee or charge, please contact us or send us a Secure Message in Digital Banking.

Member Account Fees

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FEES FOR ALL ACCOUNTS
		Current Fees
Abandoned Accounts		$50.00
Bad Address Fee		$5.00
Checking Account - Boost¹		$15.00
Checking Account - Online²	Fee may be avoided if account criteria is met.	$10.00
Checking Account - Payback³	Fee may be avoided if direct deposit requirement is met.	$10.00
Checking Account - Forces⁴	Fee may be avoided if direct deposit requirement is met.	$10.00
Check Clearing History⁵	Last 10 checks	$5.00
Direct Deposit Correction	After 3^rd occurrence	$25.00
Early Account Closing	Closing within 60 days of opening	$25.00
Early Withdrawal - Club Account & Generator Share Certificate		$25.00
European Bill Pay		$2.00 in branch or $1.00 online
Inactive Account Fee	No account activity for 12 months or more	$5.00
Money Market Excess Transaction⁶		$10.00
Money Market Low Balance	Applies to balances less than $1,000 (Legacy Money Markets only).	$10.00
Non-Sufficient Funds (NSF) Return Charge⁷		$32.00
Paper Statements⁸		$5.00
Privilege Pay Fee⁹	Overdraft Protection for Checks & ACH	$32.00
Returned Deposit Item¹⁰		$25.00
Stop Payment		$25.00
Tax Levy / Garnishment Administrative Fee		$75.00

DEBIT CARD USAGE
Andrews Federal and CO-OP ATMs	ATM/POS (point of sale) Transactions	Free of Charge
Non-Andrews Federal and/or Non-CO-OP ATMs¹¹(Effective May 1, 2025)		$1.50
ATM Balance Inquiries⁵(Effective May 1, 2025)	Applies to all balance inquiries, regardless of ATM used.	$1.50
Foreign Transaction Fee¹²		1% of the transaction amount
Replacement Card		$10.00
Privilege Pay Visa^® Debit Card Overdrafts¹³	Debit Card Purchases Overdraft Protection	$32.00

SAFETY DEPOSIT BOX ANNUAL RENTAL
	3 x 5	$35.00
	3 x 10	$55.00
	5 x 10	$85.00
	10 x 10	$150.00
Drilling		$150.00
Key Replacement		$30.00

OTHER SERVICES AVAILABLE
Account Research / Reconciliation	$25/minimum; fees waived if Andrews Federal error	$25.00/Hour
Copy of Paid Item / Statement		$5.00
Custodian IRA Transfers		$10.00
Express Mail	Subject to weight and delivery location limits	Costs vary
External Loan Payment by Phone¹⁴		$11.50
Interim Statement		$5.00
Notary		$2.00 per document
Money Order		$2.00
Official Check	One per day with no fee	$5.00
Phone Requests⁵	Balance Request by Phone⁵	$2.00 1 free per month
	Loan Payment Transfer by Phone⁵
	Share Transfer by Phone⁵
Signature Guarantee		$25.00
Special Collection Item	Domestic	$10.00
	Foreign	Costs vary
Temporary Checks	Per sheet (4 checks)	$4.00
Verification of Deposit		$25.00
Wire Transfers¹⁵	Bank-to-Bank Outgoing Wires (Domestic)	$25.00
	Bank-to-Bank Outgoing Wires (International)	$50.00
	Bank-to-Bank Incoming Wires	$15.00

Updated 04/30/2025; Reviewed 04/30/2025

Business Account Fees

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FEES FOR ALL ACCOUNTS
		CURRENT FEES
Abandoned Accounts		$50.00
Bad Address Fee		$5.00
Check Clearing History¹⁶	Last 10 checks	$5.00
Check Printing Charges		Set by printer (see upon request)
Checking Account Monthly Maintenance¹⁷		$25.00
Direct Deposit Correction	After 3^rd occurrence	$25.00
Early Account Closing (Effective May 1, 2025)	Closing within 60 days of opening	$25.00
Excess Transaction Fee¹⁸		$0.25
Inactive Account Fee	No account activity for 12 months or more	$5.00
Non Sufficient Funds (NSF) / Uncollected Item Return Charge¹⁹		$32.00
Paper Statements		$5.00
Returned Deposit Item¹⁶		$25.00
Stop Payment		$25.00
Tax Levy / Garnishment Administrative Fee		$75.00

DEBIT CARD USAGE
Andrews Federal and CO-OP ATMs	ATM/POS (point of sale) Transactions	Free of Charge
Non-Andrews Federal and / or Non-CO-OP ATMs²⁰(Effective May 1, 2025)		$1.50
ATM Balance Inquiries¹⁶(Effective May 1, 2025)	Applies to all balance inquiries, regardless of ATM used.	$1.50
Replacement Card		$10.00
Other Services Available
Account Research/Reconciliation	$25/minimum; fees waived if Andrews Federal error	$25.00/Hour
Coin Service		varies upon request
Currency Service		varies upon request
Copy of Paid Item / Statement		$5.00
Express Mail	Subject to weight and delivery location limits	Costs vary
Interim Statement		$5.00
Other Services Available
External Loan Payment by Phone²¹		$11.50
Notary		$2.00 per document
Money Order		$2.00
Official Check	One per day with no fee	$5.00
Phone Requests¹⁶	Balance Request by Phone¹	$2.00 / 1 free per month
	Loan Payment Transfer by Phone¹
	Share Transfer by Phone¹
Signature Guarantee		$25.00
Special Collection Item	Domestic	$10.00
	Foreign	Costs vary
Temporary Checks	Per sheet (4 checks)	$5.00 per sheet
Verification of Deposit		$25.00
Wire Transfers²¹	Bank-to-Bank Outgoing Wires (Domestic)	$25.00
	Bank-to-Bank Outgoing Wires (International)	$50.00
	Bank-to-Bank Incoming Wires	$15.00

Updated 04/30/2025; Reviewed 04/30/2025

Fees are per item charged monthly unless otherwise noted.

Account Fees

1. Monthly fee may be avoided if you maintain a balance of $1,500 or more, OR you receive direct deposits to the Boost Checking totaling more than $3,000 within the month.

2. Monthly fee may be avoided if you meet one of the following criteria: 1) Complete at least 10 Debit Card transactions each month, OR 2) You are age 24 years or younger, OR 3) You are a U.S. Military member.

3. Monthly fee may be avoided if you receive at least $500 in total direct deposits to this account within the month.

4. Monthly fee may be avoided if you receive at least $500 in total direct deposits from a military source to this account within the month.

5. To avoid these fees, you can view your transaction history, check clearing history and/or current balance in our Mobile App, Digital Banking, or use our automated phone service. To avoid this transfer fee, you can schedule share or loan transfers in our Mobile App or Digital Banking.

6. Withdrawals or transfers from your Money Market account in excess of 6 transactions per month are subject to this excess transaction fee. Fee applies to the 7th withdrawal or transfer and each one after that, within a month.

7. Charge is for each time a check, ACH, or debit transfer request and any other type of item is presented or payment is otherwise requested against insufficient/uncollected funds and the item is returned unpaid. Items may be presented for payment multiple times by the depositing institution.

8. Members 18 and under or 62 and older are exempt from the $5 paper statement fee.

9. Fee is per overdraft occurrence (i.e., item paid on insufficient or unavailable funds) when your total negative checking balance is greater than ($12 negative share balance). Cap of $96 in Privilege Pay fees per account per day.

For full details regarding this service, review our Terms and Conditions and Privilege Pay disclosures.

10. Return Deposited Item Fee of $25 is charged when you deposit your own check from an external financial institution and that external account does not have sufficient funds to clear the deposited check into your account at Andrews Federal.

11. This fee is charged by the credit union when you use a Non-Andrews Federal and/or Non-CO-OP ATM machine. The ATM machine owner/operator may charge additional fees. These additional fees are not associated with, or controlled by, Andrews Federal, and are charged at the owner/operator’s discretion.

12. A Foreign Transaction is any transaction that you or a merchant conducts with your debit card outside of the United States (including transactions made over the Internet from websites headquartered outside of the United States).

13. Fee is per overdraft occurrence (i.e. purchase paid or authorized against insufficient or unavailable funds). Cap of $96 in Privilege Pay fees per account per day. You must be opted in for Privilege Pay coverage of your VISA Debit Card for this to apply. For full details regarding this service, review our Terms and Conditions and Privilege Pay disclosures.

14. To avoid these fees, you can 1) Set up an automated payment by Direct Deposit, or 2) Schedule a monthly payment through Bill Pay, a service accessed through Digital Banking, or 3) Set up a recurring ACH by contacting the credit union.

15. External Account Transfers in Digital Banking can be utilized to avoid this fee. Daily and monthly transaction limits apply. Refer to our Digital Banking Terms and Conditions for details.

16. To avoid this fee, you can view your transaction history, check clearing history and/or current balance in our Mobile App, Digital Banking, or use our automated phone service.

17. Possibilities Checking fee waived with average monthly balance of $100; Partnership Checking fee waived with average monthly balance of $5,000.

18. Possibilities Checking fee when you exceed 250 combined transactions per month; Partnership Checking fee when you exceed 500 combined transactions per month. (Fee is per transaction above the monthly combined transaction limit.

“Combined Transactions” is the total number of deposits and withdrawals to your checking account in a month, including teller transactions, deposits, draft clearings, ACH transactions, wires, account transfers, check withdrawals, etc.).

19. Charge is for each time a check, ACH, or debit transfer request and any other type of item is presented or payment is otherwise requested against insufficient/uncollected funds and the item is returned unpaid. Items may be presented for payment multiple times by the depositing institution.

20. This fee is charged by the credit union when you use a Non-Andrews Federal and/or Non-CO-OP ATM machine. The ATM machine owner/operator may charge additional fees. These additional fees are not associated with, or controlled by, Andrews Federal, and are charged at the owner/operator’s discretion.

21. To avoid these fees, you can 1) Set up an automated payment by Direct Deposit, or 2) Schedule a monthly payment through Bill Pay, a service accessed through Digital Banking, or 3) Set up a recurring ACH by contacting the credit union.