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.