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Schedule of Account Fees and Service Charges

Effective October 25, 2023


Standard ChecksFREE*
Insufficient Funds - NSF
(Drafts, EFT and Re-presented Returned Items)
Courtesy Pay
Overdraft Privilege
Returned Deposited Check$6.50
Stop Payment Order$10.00/single

Under 18 and Over 65***

  • Insufficient Funds Paid
  • Insufficient Funds Returned




Abandoned Property$35.00
Wire Transfer (Outgoing)$10.00
Wire Transfer (Incoming)FREE
Account Research$20.00/Hour (waived if CU error)
Instant Issue Debit Card$10.00***

*Fees for non-standard checks vary by design.

**Overdraft Privilege. Overdraft items less than $25 no fee. Overdrafts $25 and over, $25 fee, not to exceed $50 per day.

***Personal Accounts only.  All other fees not listed are applicable for Under 18 and Over 65.

****Instant Issue Debit Card Fee applies after two instant issue cards in a calendar year.

Return fees or paid item fees may be assessed for insufficient funds caused by checks, in-person, withdrawals, or by electronic means, and each time an item (even if the item has been previously presented) is presented (other than ATM withdrawals and one-time debit card transactions such as POS purchases).

Membership Requirement

Membership in this Credit Union shall be limited to:

  • The members of the first responder community in Massachusetts (employees and retirees of the fire departments, police departments and municipally operated EMS departments)
  • Employees and retirees of Boston Firefighters Credit Union
  • Labor Union employees and retirees thereof serving the first responder community in Massachusetts
  • Employees and retirees of the Suffolk County Sheriff’s Department
  • The family members of those persons listed
  • The Professional Firefighters of Massachusetts
  • The International Association of Firefighters
  • The State Police Association of Massachusetts

For the purposes of this section, the term “family member” shall be defined to include spouses, domestic partners, sharing a principal residence in the same household as the member, and children as well as parents, grandparents, grandchildren, siblings, nieces, and nephews whether related by blood or marriage.

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