Bigger isn’t better when it comes to banking

Your non-profit credit union saves you money with better rates and lower (or zero) fees. Active and engaged Stanford FCU members save even more through Membership Rewards!

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Stanford FCU Basic Checking Bank of America Advantage Plus Banking® Chase Total Checking®
Monthly fee $0 $12 $12
Requirements to waive the monthly fee Always free $250 direct deposit or $1,500 minimum daily balance $500 electronic deposits or $1,500 minimum daily balance
Fee to use other ATMs

(in addition to the ATM operator fee)

$0 $2.50 - $5.00 $2.50 - $5.00
Number of free ATMs in U.S. 30,000 17,000 16,000
Overdraft fee $20 $35 $34
Stop Payment fee $20 $30 $25 - $30
Temporary checks $0 Not available $2 for 3 checks
Cashier’s checks $0 $15 $8
Debit card replacement fee $0 $5 $0
Debit card foreign transaction fee $0 3% of the U.S. dollar amount of the transaction 3% of purchase or ATM cash withdrawal amount
Incoming wire fee $0 $15 - $16 $15
Outgoing wire fee $20 $30 - $45 $25 - $50

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Stanford FCU Certificate Bank of America Certificate Chase Certificate
12-month, $10,000 certificate 0.35% APY 0.03% APY 0.05% APY
Early withdrawal penalty

(on the amount withdrawn)

< 1 year = 90 days’ interest;
1 year or more = 180 days’ interest
< 90 days = The greater of all interest earned or 7 days’ interest;
< 90 days to 12 months = 90 days’ interest;
12 to 60 months = 180 days’ interest;
> 60 months = 365 days’ interest
< 6 months = 90 days’ interest;
6 to 24 months = 180 days’ interest;
> 24 months = 365 days’ interest

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Stanford Athletics® Fan Rewards Credit Card Bank of America Customized Cash Rewards Credit Card Chase Freedom Unlimited® Credit Card
Cash back rewards 3% on gas, 2% on groceries & dining, 1% on everything else 3% on the category of your choice, 2% on groceries, 1% on everything else 3% on dining and drug stores, 1.5% on everything else
Purchase & balance transfer rate 9.99% - 18.00% APR 13.99% - 23.99% APR 14.99% - 23.74% APR
Cash advance rate 9.99% - 18.00% APR 16.99% - 28.99% APR 24.99% APR
Balance transfer & cash advance fee 0% 3% 5%
Foreign transaction fee 0% 3% 3%
Late payment fee Up to $7 Up to $40 Up to $40

Data collected via online research on 5/24/21. Refer to the individual websites for details:
Stanford FCU: Basic Checking, Service Fees, Certificates, Athletics Credit Card
Bank of America: Advantage Plus Banking, Service Fees, Certificates, Customized Cash Rewards Credit Card
Chase: Chase Total Checking, Checking Fees, Certificates, Chase Freedom Unlimited Credit Card