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  Bank Fund Staff Federal Credit Union Checking Account

Bank Fund Staff Federal Credit Union Checking Account

in Checking Accounts from Bank Fund Staff Federal Credit Union · ncua

Unaffiliated

Bank Fund Staff Federal Credit Union Checking Account

Unaffiliated

in Checking Accounts from Bank Fund Staff Federal Credit Union · Insured by NCUA

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Highlights
Monthly Fee $0 - $8
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.05% - 0.2%

Bank Fund Staff Federal Credit Union Checking Account Review

Bank Fund Staff Federal Credit Union Checking Account is offered by Bank Fund Staff Federal Credit Union, a credit union founded in 1947 and based in Washington DC, DC. Bank Fund Staff Federal Credit Union Checking Account is available in 50 states (and Washington, DC).

Key Takeaways
  • Higher than average APY. Bank Fund Staff Federal Credit Union Checking Account has an annual percentage yield of up to 0.2%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $2500.
  • $0 monthly Service Charge available. This account charges a monthly service fee of up to $8.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. Bank Fund Staff Federal Credit Union Checking Account does not charge fees on ATM transactions within its network but there is a fee of up to $1.50 for out-of-network ATM transactions.
  • ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
Bank Fund Staff Federal Credit Union Pros & Cons
Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • Available in all 50 states.
  • Dividend-yielding account
  • Insured by NCUA.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • Does not offer mobile check deposits.
  • Monthly service charge.
  • Charges a fee on out-of-network ATM transactions.
Bank Fund Staff Federal Credit Union FAQ

Are checking accounts from Bank Fund Staff Federal Credit Union federally insured?

Yes, your Bank Fund Staff Federal Credit Union checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Bank Fund Staff Federal Credit Union offer?

Bank Fund Staff Federal Credit Union offers an APY starting at 0.05% and ranging up to 0.2% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $2500.

Bank Fund Staff Federal Credit Union Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 0.2%

What are the account minimums for Bank Fund Staff Federal Credit Union?

Bank Fund Staff Federal Credit Union does not require a minimum initial deposit.

Bank Fund Staff Federal Credit Union Checking Account Minimums
Description
APY Minimum Balance $2,500
Minimum Opening Deposit Starting at $0

What fees does Bank Fund Staff Federal Credit Union charge?

The good news is that this account does not have a monthly Service Charge.

Bank Fund Staff Federal Credit Union Checking Account Fees
Description
ATM Fee: In-Network $0
Check Copy $3
Debit Card Replacement Fee $5
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $8
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $10
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $25
ATM Fee: Out-of-Network $1.50

Does Bank Fund Staff Federal Credit Union charge overdraft fees?

Yes, Bank Fund Staff Federal Credit Union charges a $30 fee for every overdraft.

What features and perks does Bank Fund Staff Federal Credit Union offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees.
  • Fraud monitoring - Bank Fund Staff Federal Credit Union monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Mobile Banking Services - Bank Fund Staff Federal Credit Union allows you to manage your money online or with a mobile app.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Bank Fund Staff Federal Credit Union?

The customer support email for Bank Fund Staff Federal Credit Union is memberservices@bfsfcu.org.

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Message From Bank Fund Staff Federal Credit Union Checking Account

BFSFCU offers two checking account options designed to suit the specific needs of our membership. Choose the Checking Account that is right for you. The Membership Checking Account is truly free; there are no minimum balance requirements and no monthly fees. Get the flexibility you need without the expensive frills.

The Money Management Checking Account (MMCA) was designed for those members looking for the convenience of a checking account combined with the benefits of a higher yield. With the MMCA, your checking funds work harder for you all year long. If you typically maintain a minimum balance of $2,500 or more in your checking account1, switching to our MMCA is a smart move.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

APY Minimum Balance $2,500
Minimum Opening Deposit Starting at $0
ATM Fee: In-Network $0
Early Account Closure $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Check Copy $3
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $8
NSF Fee $30
Overdraft Item Fee $30
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Outgoing) $10
Wire Transfer Fee - International (Outgoing) $25
ATM Fee: Out-of-Network $1.50
Account Features
  • No ATM Fees
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
APY (Annual Percentage Yield) 0.05% - 0.2%

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