FEES
Clear and Simple Fees You Can Understand
Understanding Our Fees: Clear, Fair, and Transparent
At Ft. Randall Federal Credit Union, we believe in honesty and transparency when it comes to fees. We know that fees can sometimes be confusing or unexpected, which is why we strive to make our fee structure simple and easy to understand. Our goal is to provide competitive financial services without hidden charges—so you can manage your money with confidence.
The following fees may be assessed against your account, and the following transaction limitations, if any, apply to your account.
Effective as of: January 1, 2025
| General | ||
|---|---|---|
| Fee Name | Amount | Terms |
| Account Research Fee | $25.00 | per hour plus copy costs minimum |
| Address Change by Post Office | $2.00 | |
| Check Cashing (Non-Members) | $1.00 | per hundred |
| Collection Items | ||
| Fee Name | Amount | Terms |
| Outgoing | $10.00 | |
| CU Check to 3rd Party | $3.00 | |
| Mailed check to 3rd Party | $4.00 | |
| CU Check Stop Payment | $15.00 | |
| Dormant Account | $10.00 | Inactive for 12 months. Balance less than $100.00 with no other active accounts. Over age of 21. |
| Early Account Closing <1 year | $20.00 | |
| Fax Service | $1.00 | Per Page |
| Money Order ($1000.00 max) | $2.00 | |
| Counter Checks | $4.00 | Per Sheet |
| Notary Service | $5.00 | |
| Photocopy | $0.20 | Per Page |
| Statement Copy | $5.00 | Per Statement |
| Account Printout | $2.00 | (current month after 2nd request) |
| Wires | ||
| Fee Name | Amount | |
| Incoming | $10.00 | |
| Outgoing | $25.00 | |
| Debit Card | ||
| Fee Name | Amount | |
| First Card Order | Free | |
| Replacement Card | $20.00 | |
| Overdraft Fee | $15.00 | |
| Share Draft Accounts | ||
| Fee Name | Amount | Terms |
| Auto/Manual Transfers | $1.00 | per transaction, 6 free transfers allowed per month |
| Check Orders | Varies | Price varies depending on style |
| Draft Photocopy | $5.00 | |
| Overdraft Fee | $15.00 | |
| NSF Returned | $15.00 | |
| Stop Pay Item (ACH & Draft) | $15.00 | |
| Loan Accounts | ||
| Fee Name | Amount | |
| Consumer Applications | $35.00 | |
| Construction Loan | $500.00 | |
| 1st, 2nd, HELOC | $250.00 | |
| Refinance | $50.00 | |
| Extension/Sub-Action | $10.00 |
Questions?
We welcome your questions about our fees. Please reach out if you need any support.