816 Elmwood Ave. Rear, Buffalo, NY 14222

BCFCU Member Costs and Fees

Fee Name Cost
Capitalization Fee$15.00

Information subpoena/garnishment processing

$75.00 / each action or document

Incoming Domestic Wire


Incoming Foreign Wire


Outgoing Domestic Wire


Outgoing Foreign Wire

no longer available

Cashier’s Check

$4.00 / each

Canadian/Foreign Check Deposit

$7.50 / each

Returned Deposited Items


Non-machinable item fee

$5.00 / each

Closure of membership account within 90 days of opening


ACH transaction/ account # research

$5.00 / each
Fee Name Cost
Insufficient funds – NSF$30.00
Stop Payment$30.00
Fee Name Cost
New Debit Card$6.00
Debit Card Monthly Maintenance Fee$3.00
Debit Card Replacement$25.00

Insufficient funds – NSF


ATM cash withdrawal fee (offsite)

$1.75 each at month end

VISA foreign currency fee

1% of transaction

VISA FC fee – no currency conversion

.08% of transaction

Self-select PIN & PIN re-order


Unblocking cards for use outside of the USA and Canada

$20.00 per trip
Fee Name Cost
Overdraft Loan / Line of Credit set-up fee.$5.00
Insurance Administration Fee – to force place insurance on uninsured collateral.$50.00
Duplicate Lien Release$15.00

Share Draft

Fee Name Cost
Savings O/D Transfer Fee$5.00 / occurrence
Microfilm Copy Fee$3.00 / check
Stop Payment$20.00 / each

Protest Letter

$20.00 / each

Insufficient funds – NSF

$30.00 / each

Share Savings

Fee Name Cost
Excessive Withdrawals from Share Savings (More than 6/ month)$5.00 / last day of each quarter.
Balance falls below minimum balance any time during quarter.$5.00 / last day of each quarter.

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