Current Fees and Rates

Our fee schedules are below. We do our best to keep them current, but ask us to be certain.

Membership

Membership fee (one-time) $25
Minimum balance (held in savings account) $5
Monthly maintenance fee (waived if member has a loan or is under 18) $1
Inactive account fee (after 2 years of inactivity) $15/month

Account Services

Online and text banking free
Online and text banking free
Returned ACH item or return of deposited check $25
Money order $1.50
Stop payment on money order $25
Cashiers check $7.50
Printout of account history $2
Reprint of statements $7
Wire transfer, domestic $30
Wire transfer, international $50
Wire transfer, amendment / recall $20
Incoming Wire transfers free
ITIN application $40
Notary services $2
NYCHA rent payment, members free
NYCHA rent payment, non-members $2
Returned mail $2
Non-fraud electronic funds transfer (Reg E) dispute $15

Checking Accounts

Start Checking Account, personal
Minimum Balance none
Monthly Fee $4
Each ATM transaction over monthly limit of 4 $1
Point of sale (debit) transactions free
Unlimited Checking Account, personal
Minimum Balance $1200
Monthly fee if average balance falls below $1200 $8
ATM and point of sale (debit) transactions free
Business or Association Checking Account
Monthly Fee $25
ATM and point of sale (debit) transactions free
Box of 100 checks starts at $24.25
MSB monthly maintenance fee $200
Check returned due to insufficient funds $25
Stop payment on a check $25
Image/reprint of paid check $5
ATM or ATM/debit card (new) $5
ATM or ATM/debit card (replacement of lost card) $10
Urgent ATM card via FedEx (domestic US only) or PIN retrieval $50

Loan Fees

Secured, Unsecured or Auto Loan application fee
per applicant or co-signer
$25
Small Business Loan
Loan application fee: loan less than $15,000 $50
Loan application fee: loan above $15,000 $100
Origination fee 1.00%
Real Estate Loan
Credit check fee per applicant or co-signer $25
Loan application fee (due upon signing Letter of Commitment) $200
Origination fee 0.50%
Subordination $250
CEMA (consolidation, extension, modification agreement) $750