This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.


Credit Card Agreement & Disclosure

Click here for important account information for our members including Regulation E and NCUA's Truth In Savings Regulation.

Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Fee Schedule
Effective Date: 5/1/2017
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
Replace Lost/Stolen/Damaged ATM Card $10.00
ATM Overdraft $30.00
Transaction Fee (withdrawal, transfer or inquiry) at STAR ATMs $1.00
Transaction Fee (withdrawal, transfer or inquiry) at ATMs up to $2.00
Money Order ($1,000 limit) $2.00
Certified check $10.00
Cashier's Checks $5.00
Deposited Checks (and other items) returned unpaid up to $20.00
Garnishments $50.00
Executions & Levies $2.00 or max allowed by state law
Privilege Pay - Each discretionary paid* $30.00
*Privilege Pay fee may be imposed for transactions conducted via check, in-person draft presentment, ACH or recurring debit card transactions.
Overdraft - Each overdraft paid* $30.00
*Overdraft fee may be imposed for ATM or debit card transactions. You must opt in to this service.
Stop Payments (each) $30.00
*Single ACH debit/check stop payments are effective for six (6) months and must be renewed for an additional fee.
Non-Sufficient Funds Check (each) $30.00
Overdraft Line of Credit ($100 increments) $5.00 per advance
Share Transfer Fee ($100 increments) $5.00 per overdraft transfer
Convenience Fee (over the phone loan payments) $10.00
Inactive Account $10.00
*Monthly fee applied to single service accounts with less than a $100 balance and no activity for six (6) months.
Participation Fee* $5.00
*Monthly fee applied to share accounts with less than a $100 avg. monthly balance, no personal or mortgage loan and no credit card. Applies to members age 21 and older whose account open date is at least 30 days ago.
Computer History printout (per page) $2.00
Account Research $20.00 per hour (1 hour minimum)
Account Balancing assistance $20.00 per hour (1 hour minimum)
Statement Copy (each) $5.00
Copy of Check (per copy) $5.00
Collection Item (incoming) $5.00
Collection Item (includes foreign currency items) $20.00
Outgoing Wire Transfers $25.00-$60.00
Incoming Wire Transfers $20.00-$70.00
Reopen Acct. w/i 6 Months of Closing $25.00
Close Acct. w/i 6 Months of Open $5.00
Check Printing Depends on style ordered
Rejected Check* $3.00
*If checks are purchased from vendor other than the Credit Union, the Credit Union may reserve the right to reject each check and charge a fee for each rejected check.
Return Mail $5.00

Go to main navigation
Click to find Firelands FCU on FacebookCo-Op Shared Branch LocatorFFCU - Best Employer in Ohio in 2014