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Fee Schedule

Service and OTHER Fees Schedule

At ANECA Federal Credit Union, we believe in making things simple and easy to find. We also believe in giving you (our members) as much value as possible — which is why we offer a number of Free Services. You'll find a complete list of our Free and Fee services below:

Member Services

Member Services
Service Fee
Checking (No Min Balance and No Monthly Service Fee) FREE
Check Cashing FREE
Debit Card FREE
Annual Credit Report (get it online at www.AnnualCreditReport.com) FREE

Fee Schedule

Share and Share Draft Fees
Service Fee
Share Savings Excessive Withdrawal (after four per month) $3.00/withdrawal
Non-sufficient Item $15.00/item
Courtesy Pay $29.00/item
Transfer for Overdraft $1.00/transfer
Money Market Minimum Balance (if minimum daily balance is not met) $10.00/month

Money Market Excessive Withdrawal (after six months)

$10.00/item
Holiday Savers Early Withdrawal $10.00
Membership Application fee $5.00
Early Closure Fee (if within first three months) $10.00
Item Sent for Collection $15.00/item
Corporate Check (one complimentary check per month) $2.00/check
Check Copy $3.00/check
Account Reconciliation Fee (one hour minimum) $25.00/hour
Account Research Fee (one hour minimum) $150.00/hour
Statement Reprint Fee $5.00/copy
Deposited Item Returned Fee $20.00/item
Wire Transfer (outgoing) $25.00/transfer
ISA (International Fee for Foreign Country Transaction) Current Rate
Return Mail $5.00/item
Stop Payment Fee $29.00/request or stop
Paper Statement Fee $3.00/statement
Temporary Checks $2.00/page
Instant Issue Debit Card $10.00/card
Notary Services (notary service at our discretion) $10.00/minimum
Loan Payment by Debit/Credit Card over the phone 3% of transaction amount
Early ACH Deposit Fee $5.00/per ACH
Electronic Funds Transfer Fees
Service Fee
Non ANECA ATM Withdrawal/Transfer Fee $1.00/transaction
Rush Card Delivery $35.00/per card
Replacement of Lost/Damaged Debit Card $10.00/per card after two courtesy replacements
ACH Overdraft $29.00/item
Safe Deposit Boxes
Service Fee
Rental Size Small 3" x 5" $15.00/year
Rental Size Medium 5" x 5" $25.00/year
Rental Size Large 5" x 10" $36.00/year
Rental Size X-Large 10" x 10" $48.00/year

*A fee will be charged for key replacement or drilling the box

Non-Member Fees
Service Fee
On-Us Check Cashing (Checks over $50.00) $5.00/check
Corporate Check Conversion $30.00/check

Fees are effective March 25, 2025.

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