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Fee Schedule

 

Best Reward Federal Credit Union Fee Schedule

As a not-for-profit financial cooperative, we exist to serve our members and offer a full suite of products and services without hidden fees or unnecessary charges. On this page, you can see the fees that we do charge to make sure everyone in our community can enjoy the same benefits.

We're proud to offer account options with no monthly fees and services that can help you avoid fees. For example:

  • We have no monthly fees on our Share Account, Share Draft Checking, Money Market, IRA, and Club Account.
  • You can easily avoid overdraft fees by linking your checking account to your savings account with six free Overdraft Protection Transfers per month.
  • Our Money Market Account offers three free withdrawals per month.

 

Share Account Fees

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Share Draft Checking Fees

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Money Market, IRA, Club Account Fees

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ACH Transaction Fees

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ATM/Debit Card Fees

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Miscellaneous Fees

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Share Account Fees

Close Account within 6 Months $5.00

 

Share Draft Checking Fees

Copy of Draft/Check – Retrieved Online FREE
Copy of Draft/Check – Employee Furnished Each $1.00
Overdraft Protection NSF Checks – Each $30.00
Deposited Checks Returned Unpaid – Each $30.00
Overdraft Protection Transfers – Each (Limit of 6 Per Month) FREE
NSF Checks – Each $30.00
Stop Payment – Each $30.00

 

Money Market, IRA, Club Account Fees

Money Market Withdrawal – 3 Per Month FREE

Money Market Withdrawal – Over 3 Per Month

$10.00

 

ACH Transaction Fees

ACH Deposits FREE
ACH Return – Each $30.00
ACH Stop Payment – Each $30.00

 

ATM/Debit Card Fees

ATM/Debit Card Replacement – Each $10.00
ATM/Debit Card Transactions with Direct Deposit, Share Draft Account, or $1,000 Account Balance FREE
ATM/Debit Card Chargeback – Each $30.00
Empty ATM Deposit Envelope – Each $30.00

 

Miscellaneous Fees

Statement Fee Per Mailed Statement (e-Statements are FREE)* $1.00
Account Activity Search in Lobby (History/Statement) – Per Page $1.00
Account Activity Search by Other Methods – Per Page Actual Cost
Account Balancing Assistance – Per Quarter Hour $5.00
Check Cashing – Minimum Balance of $100 or Has Current Loan FREE
Check Cashing Otherwise – Per Check $2.00
Escheat/Dormant Account Fee $10.00
Foreign Check Processing – Third Party Charge Plus $5.00
Legal Processing Fee As Allowable by Law
Mail Returned as Undeliverable $5.00
Money Order – Each** $1.00
Mortgage Subordination $100.00
Notary/Guarantee Service – Members FREE
Official Check Payable to Parties Other Than Account Owner - Each $3.00
Verification of Deposit/Loan – Each $15.00
Visa Gift Card – Each $4.00
Wire Transfer Outgoing Domestic – Each $15.00
Wire Transfer Outgoing Foreign – Each $35.00

 

Fee Schedule FAQ

How do credit unions charge fewer fees than other financial institutions?

How can I avoid paying fees?

 

Products and Services to Improve Your Financial Health

 

A woman uses an umbrella to shelter from the rain and uses overdraft protection to avoid fees.

Overdraft Protection

Enjoy instant, free transfers from your savings to checking accounts for when the unexpected happens. Never pay overdraft fees again!

Learn More

A man mamages his checking account with Mobile Banking.

Share Draft Checking

Our checking account offers simple money management with free Online and Mobile Banking, e-Statements, access to fee-free ATMs, and more.

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A happy woman checks her money market account balance.

Money Market Share Savings

Get started with a deposit of $2,500 and then watch your rates jump as you achieve higher balances. Plus, enjoy three free withdrawals per month.

Learn More