Schedule of Fees

As a not-for-profit financial institution, Interior Federal returns profits to its members in the form of better rates and fewer fees. However, there are some things for which we still have to charge a small fee. If you have any questions about our fee schedule, please contact us.

This schedule of fees and charges is effective as of: July 1, 2024.

Money Transfer Fees

Wire Transfer Standard Outbound$25 (FREE for "standard" inbound)
Funds Transfer Next Day Inbound/Outbound (Online)$5 (FREE for "standard" inbound & outbound)
Bill Payment Expedited Funds via ACH$8
Bill Payment Expedited Funds via Fed Ex Delivery$45
External Loan Payment$10

Plastic Card Fees

Replacement for Visa® Debit Card$25 (FREE thru digital banking)
Replacement for VISA® Debit Card Rush$45
Visa® Debit Card PIN Rush$45
Foreign ATM Withdrawal (after first 5 FREE)$1
Foreign ATM Inquiry (after first 5 FREE)$0.50
Foreign Point of Sale WithdrawalFREE
Foreign Cardholder ATM Withdrawal Fee$3

Savings, Checking and Money Market Accounts

Per Item
Overdraft Privilege*$28
Insufficient Funds*$28
Returned Deposit Item*$15
Stop Payment (6 months for checks/indefinite for ACH)$20 ($15 through Digital Banking)
Check PrintingVaries by check
Foreign Check CollectionFed charge passed on to member
Check Copy$5
Money Market Excess Check After 3$20

* per item submitted

Account/Other Fees

Early Holiday Club Withdrawal$5
Cashier's Check2 FREE/day, then $5/check
Money Orders2 FREE/day, then $5/check
Copy of Statement$5
Account Reconciliation/Research$30/hour ( 1 hr. minimum)
Garnishment/Notice of Levy$50
Verification of Account$20
Returned Address$5/month
Inactive Account (18+ years of age)$5/month (after 18 months of inactivity)
Close Account within 90 days$10
Notary for Non-member$5/seal (FREE for members)
Skip Pay Fee$35
Paper Statements$5/month for paper statements (FREE e-statements)

There may be additional costs associated with the use of these products or services. Members may contact us to request specific information about the costs. Fees may reduce earnings.

Digital Banking

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