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  •                                                                             AAFCU Routing Number: 307070021


Fee TypeFee Amount
Business Share Draft Account $7.00/month
Basic Checking Minimum daily balance of $500.00 required to avoid a $5.00 service fee
Temporary Drafts 4 for $1.00
Deposit Checks (and other items) Returned Unpaid $15.00
Overdraft Privilege Service $30.00
Non-sufficient Funds Check Card Purchase $30.00
Non-sufficient Funds Draft (paid or returned) $30.00
Non-sufficient Funds ATM withdrawal $30.00
Non-sufficient Funds Pre-Authorized Withdrawal $30.00
Statement Copy - Paper Statement Fee $2.00
Account Research $35.00/hour (1 hour minimum)
Deposited Drafts When Payor and Payee the Same Returned Unpaid $50.00
Account Balancing Assistance (after the first assistance) $20.00/hour
Stop Payment - Draft $30.00 per item
Stop Payment - Credit Union Issue Draft $30.00 per item
Stop Payment - ACH Payment $30.00 per item
Copy of Credit Union Issued Draft $3.00
Re-Open Fee (within 6 months) $25.00
Close account within six months of opening $10.00
Check Cashing - Non-Members $5.00
Verification of deposit $15.00
Signature Guarantee $5.00/transaction
Withdrawals at Shared Branch Locations $2.00 per item (fourth and subsequent withdrawals per month)
ACH Representment Fee $30.00
IRA Closing Fee $30.00

*All fees are subject to change.

E@dvantage S11 (Electronic Share Draft Account)(Account No longer offered)

Fee TypeFee Amount
Minimum daily Balance of $500.00 required to avoid a service fee $5.00/month
Check Writing Fee (first 20 items each month are free) $0.10 per item
Teller/Call Center Assisted Transactions - Transfers, Balance Inquiries, Deposits and Withdrawals ($500.00 or Less), Draft Cashing $2.00 per transaction

Checking Advantage

Fee TypeFee Amount
Service Fee (If less than 50 years old) $5.00/month

Peak Advantage

Fee TypeFee Amount
Service Fee (If age 50 or better free if average daily balance of $2500 is met) $4.00/month

Direct Pay

Fee TypeFee Amount
Service Fee $5.00/month

Bill Payer

Fee TypeFee Amount
Service / with any personal share draft account None
Service / with business share draft account $4.95/month
Per Item Fee / personal account None
Per Item Fee / business account* $0.50
Bill Payer - Overdraft Fee $30.00
Bill Payer - Stop Payment $30.00
Research Fee $18.00/inquiry
Check Copies $20.00/check

*First 10 items per month processed at no charge.

Negotiable Items

Fee TypeFee Amount
Teller Checks $5.00/check

ATM & Debit MasterCard® Check Card Transactions

Fee TypeFee Amount
ATM, Debit MasterCard and Visa Credit Card no annual fee
ATM/Debit MasterCard - Lost or Stolen Card Replacement $10.00
ATM/Debit MasterCard - Rush Pin or Card $35.00 per card
ATM/Debit MasterCard - Reissue Pin or Card $10.00 per reissue
ATM/Debit MasterCard Special Handling Fee $10.00
Debit MasterCard Sales Draft Copy $12.00
Merchant Card Capture $65.00
Foreign** ATM Transaction Fee - MAAXIMUM Checking (S12) $2.00/transaction. If account requirements*** met, up to $25.00 per monthly cycle refunded (limited to $4.99 per item). See separate Account Requirements disclosure.
Foreign** ATM Transaction Fee - e@dvantage Checking (S11) No charge
Foreign** ATM Transaction Fee - Basic Checking (S8) $2.00/transaction (First 3 per month-no charge)
Foreign** ATM Transaction Fee - All other accounts $2.00/transaction (First 3 per month-no charge)
Empty Deposit Envelope $30.00
ATM Correction Fee $2.00

**Foreign = not owned by AAFCU

***Requirements each monthly cycle are as follows (all three must be met): 1. Active enrollment in E-Statements 2. 18 or more Debit MasterCard purchases post and clear your account. 3. One direct deposit or ACH auto debit.


Fee TypeFee Amount
Collection item (incoming) $5.00
Collection item (outgoing) $5.00
Levies/Garnishments $75.00
Loan Extension $25.00

Miscellaneous Transactions

Fee TypeFee Amount
Wire Transfer - Out Going $25.00 per item
Wire Transfer - Foreign $50.00 per item
Copy of Draft (written on member account) $3.50
Dormant Account fee* $5.00/month
Locator Fee $10.00
Photo Copy Fee $0.25/copy
Coin Processing - Non-Members 8% of coin processed
Notary Service $3.00/document
Photocopies $0.25
Check by phone $15.00
Loan Extension/ Skip A Pay $25.00
Account Number Reassignment Fee $25.00
Foreign Deposit Item Fee $15.00
Credit Card by Phone $15.00
Signature Guarantee $15.00
Returned Mail Fee $5.00 per month
Verification of Deposit $15.00

*All fees are subject to change.