General Account Fees

Rates effective as of 5/1/18

General Account Fees
Service Type Fee
Check Printing Fee Actual charges + postage
Non-Sufficient Funds Fee (NSF items returned)† $25.00/item
Foreign Currency Check Conversion $25.00 + cost
Returned Payment Fee $22.00/item
Late Payment Fee $15.00/item
Deposit Item Returned Unpaid $15.00/item
Returned Payment Fee $22.00
Real Estate Demand Fee $30.00/item
Real Estate Recon Fee $55.00
Legal Services (per document) $10.00
e-Checking Excess Check Fee* $2.00/each
Annual Fee FREE
Balance Fee FREE
Cashier's Checks FREE
Stop Payment FREE
Domestic Wire FREE
Cash Advance Fee FREE
International Wire NA
Statement Copy Requests FREE
Check Copies FREE
Deposit Item Returns FREE
Bill Pay Account Research FREE
ACH Outgoing Setup/Revision Fee FREE
Statement Reconciliation/Research FREE
Remote Check Deposit FREE
† NSF fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.

*The maximum number of withdrawals on an e-checking by check are five (5) within a calendar month. If exceeded, then the account is subject to the $2.00 fee per additional item.

Financial Exchange Fees

Financial Exchange Fees
Service Type Fee
Funds transferred to the Credit Union FREE
Funds transferred from the Credit Union FREE
Emailed Payments up to $1,000 (Popmoney) FREE

Card Fees

Card Fees
Service Type Fee
Debit Card Transactions* FREE
Deposit Corrections FREE
Debit Card Withdrawal against Non-Sufficient Funds (overdrawn fee)† $25.00/item
Privilege Pay (NSF items paid)† $25.00/item
Late Payment Fee $15.00/item
Empty Envelope Fee $25.00**
Card Privileges Reinstatement Fee $50.00
Debit Card Foreign Transaction Fee  1% of Foreign Transaction Amount
Credit Card Foreign Transaction Fee FREE
Currency Conversion Fee 1% of transaction amount

* Transactions include withdrawals, inquiries and transfers. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

† NSF fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means

** For empty envelope, a first time fee of $25.00 will be charged. $25.00 for a second occurrence with Debit Card privileges revoked

ATM rebate program details: Firefighters First Credit Union will reimburse you for ATM surcharge fees incurred when making a withdrawal using your Firefighters First Debit card. Fees will be reimbursed for your first five (5) ATM transactions that incur a surcharge fee, per calendar month. Fees will be reimbursed the same day unless your ATM withdrawal is after 3:00 pm (PT). Withdrawals after this time or on a non-business day will post on the next business day along with the fee reimbursement. To qualify for this program, you must have a combined direct deposit total of at least $500 per month and you must make your ATM withdrawal from your Firefighters First personal or business checking account.

Sign Up for Online Banking

Ready to sign up for OnLine Banking? Follow these instructions or give us a call at 800.231.1626

  • Log in to Online Banking at the top of the page by using your member number and the last four digits of your SSN, or if it is a business, the last four digits of your tax ID as your temporary password. You will be prompted to change your PIN through this process.
  • Confirm personal account information and accept the disclosure agreement.
  • Create a secure Username and Password for OnLine Banking.
  • Verify your identity by receiving and entering your One Time Passcode.
  • Select "Yes, register my private computer" if you are using a private home computer, or "No, this is a public computer" if using a public or shared computer (work, library, internet café).
  • Keep your personal User Name and Password private and confidential for future use.

Having trouble accessing your accounts?

Try these troubleshooting tips:

Still having trouble accessing online banking? Give us a call at 800.231.1626.


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