Savings & Loan Rates & Fees - Personal Accounts | 4Front Credit Union
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Routing Number: 272485385

While we make every effort to maintain updated and accurate information, these rates and terms are subject to change without notice.

We don't like fees. Fees are not our friends here at 4FrontRead more about how we feel about fees.

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Consumer Loan Rates

Consumer Savings Rates

Consumer Checking Rates

Personal Fees

Our Two-Part Fee Pledge

Unlike a lot of banks, we don't like fees here at 4Front. We'd like to do away with fees forever but in order to keep offering high rates of return on deposits and some of the lowest loan rates you'll find, we simply can't. But we CAN be very selective about when and why fees are charged. To make sure that we never lose sight of the importance of no or low fees, we've developed a two-part promise to you, our member.

We'll never ding you with a silly fee. We develop creative solutions and products to help you reach your financial goals faster. This is where we want to spend our time and energy, not devising sneaky ways to squeeze a few bucks out of you.

We'll only assess fees that are representative of our cooperative spirit. 4Front is a not-for-profit financial cooperative, which means that every member is an owner with a stake in the success of our institution. We serve each of our members equally, regardless of their account balance. If one requires additional services that take us away from serving the entire membership, it's only fair they reimburse their fellow members for that additional needed attention.

We also pledge to always seek ways to reduce or eliminate current fees and to apply our philosophy to any possible new fees we may be obligated to consider. So there you have it, our perspective on fees... no silly service charges and only those necessary to ensure evenhanded yet exceptional service and value to our membership.

Personal Fee Schedule

Share Draft

Effective Date: November 9, 2021

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(staff assistance)
Stop Payment$25.00 per item
Bill Pay Inactivity$5.00 per month
(after 2 months of non-use)


Effective Date: May 4, 2023

Courtesy Pay$25.00 each
(up to 2 per day, then no charge)
Foreign Check/Item Deposit$20.00 per item
NSF - ACH or Check Returned$25.00 each
(up to 2 per day, then $5.00 per)
NSF - Debit Card Returned $25.00 each
(up to 2 per day, then $0.00 per)
Returned Deposited Item
(from outside institution)
$25.00 per item
Foreign Transaction Fee*$

*Mastercard assesses a fee on foreign transactions initiated with your debit card. Foreign transactions include transactions made in the United States but with a merchant who processes the transaction in a foreign country. The fee is based on a percentage of the transaction as determined by Mastercard in its sole discretion. The credit union has no control over the amount of this fee.

ACH/External Account Transfer (Online Banking)

Effective Date: November 9, 2021

New ACH Origination or Change to Existing Origination$20.00 per item
ACH Return or Notice of Change$15.00 per item
ACH Return
$25.00 per item
External Account Transfer Return or Notice of Change$15.00 per item
External Account Transfer
$25.00 per item

Miscellaneous Fees

Effective Date: November 9, 2021

Account Balancing/Research$25.00 per hour
(1 hour minimum)
Address Correction$5.00 per event
Card Replacement $10.00
Card Replacement (rush)$50.00
Check Cashing
(may be waived based upon relationship)
$3.00 per month
Inactive Checking Account$5.00 per month
(after 6 months of non use)
Garnishment/Escheat/Tax Levy$25.00
Gift and Reloadable Travel Cards$3.00
Money Order$2.00
Non-CO-OP ATM Transaction3 free per month
(then $1.50 per)
Outgoing Domestic Wire$20.00
Outgoing International Wire$50.00
Starter Checks4 sheets free
(then $2.00 per sheet)

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