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: November 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 Withdrawal | FREE |
Foreign Cardholder ATM Withdrawal Fee | $3 |
Savings, Checking and Money Market Accounts
Per Item | |
Overdraft Privilege* | $28 |
Insufficient Funds* | $28 |
Overdrawn* | $28 |
Returned Deposit Item* | $15 |
Stop Payment (6 months for checks/indefinite for ACH) | $20 ($15 through Digital Banking) |
Check Printing | Varies by check |
Foreign Check Collection | Fed 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 Check | 2 FREE/day, then $5/check |
Money Orders | 2 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 | $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.