Fee Schedule

At Call Federal, we care about transparency and service to our members. We created this online resource to explain our Fee Schedule to help members avoid future fees so they can focus their money and attention on meeting their financial goals.

Checking Accounts

Check Copy i

This is a request initiated by a member for a copy of a check they have written. It is a fee per check/item requested.



Check Order i

This is a request initiated by a member for a new box of personalized checks. The cost is dependent upon the design that the member selects.


Prices vary with style

Stop Payment

This is a request initiated by a member to stop payment on a check they have written.



Stop Payment – Consecutive Numbers

This is a request initiated by a member to stop payment on multiple consecutively numbered checks that have typically been lost or stolen. It is a one-time fee for the request multiple consecutively numbered checks vs. charging for each check. If the checks were stolen there is no fee assessed.



Temporary Checks

Temporary checks are checks provided by the credit union (Commerce Rd. Branch Only) for a checking account holder while the personalized checks are created.


$6.00 / 1 Page of 4 (Initial set of 12 starter checks is free.)

Electronic Bill Payment

Stop Payment

When a member requests to stop payment on a scheduled payment to a bill paid through Call Federal’s Bill Pay in Home Banking. Not all ACH Bill Payments can be stopped.



Third Party Investigation

Investigating a bill payment dispute.



Savings Account

Below Minimum Balance (Money Marketing Savings Accounts only)

As stated in the Truth-In-Savings Disclosure, a minimum balance of $10,000.00 must be maintained to avoid the monthly service fee. This is based off of the average daily balance in account over the month.


$10.00/Month (If minimum average daily balance is not met – Money Market Savings Accounts only).

Other Service Fees (Applicable to All Accounts)

Non-Sufficient Funds (NSF) / Overdraft Fee i

This applies to transactions on a member’s account when there are not enough funds in the account to cover the transaction amount. Transactions include checks, ATM withdrawals, courtesy pay, and all other electronic debits. This is known as overdrawing the account.


$30.00/Item (Includes: Check, ATM, Courtesy Pay and all other electronic debits due to non-sufficient funds / overdraft.)

Returned Deposited Items; Member – Liability

When a check is returned that is written on the member’s account from another financial institution, a fee is charged per returned check.



Returned Deposited Items; Third Party i

When a check payable to our member, written by someone else, is returned. The member is charged a fee for each returned check.



Automatic Clearing House (ACH) Stop Payment or Revocation of Authorization

An ACH is an electronic item that comes through your account. Stop payment is one time authorization. Revocation is a permanent stop on any future payments on a previously set up ACH.


$30.00/Occurrence (if ACH originated by another financial institution)

Account Reconciliation and Research

At the member’s request, Call Federal compares their records with our records to find discrepancies on the account. Research fees are charged when Call Federal must research member records at their request or at the request of a law enforcement or court order. The fee is charged per hour with a one hour minimum.


$10.00/ Per 30 minutes (30 minute minimum)

Teller Check

A teller check is a check guaranteed by the credit union, drawn on the credit union’s own funds, and signed by a teller. There is no fee for obtaining a single teller check. A $5.00 fee per item will apply to any check after the first one, if multiple checks are requested per day.


$5.00/Item after 1st check

Non-Member Check Cashing


$5.00/ Per check

Dormant Account – 12 months with no financial activity i

After 12 months of no activity on a member’s account, a quarterly fee will be charged to the account. Waived if account balance is $100 or greater, accounts with an IRA, or accounts where the primary member is 21 years of age or younger.



Returned Mail i

A fee charged when mail is returned to Call Federal due to the member not updating their address information. Examples of returned mail include statements, debit cards or credit cards.



Statement Copy i

This is a request initiated by a member for a copy of a monthly statement. Each month requested incurs a fee.



Printed Mailed Statement i

Receive a copy of your account statement via mail each month.



Account Number Reassignment



Plastic Card Replacement



ATM/POS Transactions at Foreign ATMs i

Any ATMs that are not owned by Call Federal are considered “foreign” and will incur a fee per transaction, except for those ATMs in the Moneypass network.



Wire Transfer: Domestic- Incoming

Funds wired (electronically transferred) to your Call Federal account from another institution within the United States.



Wire Transfer: Domestic- Outgoing

Funds wired (electronically transferred) from your Call Federal account to another institution within the United States.



Wire Transfer: International – Incoming

Funds wired (electronically transferred) to your Call Federal account from a financial institution outside of the United States.



Foreign Funds Collection

If you deposit a check (not in U.S. funds) in your Call Federal account from a foreign financial institution outside the United States, a fee will be charged per item for special processing.



Account Collection

For negative account charge-offs. Fee added to amount charged off and reported to consumer reporting agency.



Lien, Levy & Garnishment Processing

A lien, levy or garnishment is a legal process that allows a creditor to remove funds from your Call Federal account to satisfy a debt you have not paid. This fee is to process that legal order.



Visa Debit Card Reactivation i

If you have not opted-in to allow Call Federal to charge overdraft fees related to ATM/Debit card transactions, your card will be blocked after 3 instances of overdraws related to the ATM/Debit Card. Call Federal charges a fee to reactivate your card because overdraft fees were not assessed.



Payments Online or by Telephone with Debit or Credit Card

Payment to a Call Federal loan online or by telephone using any debit or credit card will incur a fee per transaction.



Customizable Visa Debit Card

Call Federal offers customized Visa Debit Cards with a picture or image.



Debit/Credit Card Rush Order


$30.00/ per Card

Visa Gift Card


$3.00/ per Card