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!
Scroll Right for More Data
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 | $3.00 - $5.00 |
Number of free ATMs in U.S. | 30,000 | 16,000 | 16,000 |
NSF Fee | $0 | $10 | $34 |
Stop Payment fee | $20 | $30 | $25 - $30 |
Temporary checks | $0 | Not available | $3 for 3 checks |
Cashier’s checks | $0 | $15 | $10 |
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 |
Scroll Right for More Data
Stanford FCU Certificate | Bank of America Certificate | Chase Certificate | |
---|---|---|---|
12-month, $10,000 certificate | 5.12% APY | 0.03% APY | 3.25% 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Early withdrawal penalty (on the amount withdrawn) |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 up to 12 months = 90 days’ interest; 12 months up 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 |
Scroll Right for More Data
Stanford FCU Tech Credit Card | Bank of America Customized Cash Rewards Credit Card | Chase Freedom Unlimited® Credit Card | |
---|---|---|---|
Cash back rewards | 3X points on purchases at Amazon, Google, and Apple, 2x points on groceries & dining, 1x points 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 | 14.74% - 18.00% APR | 17.74% - 27.74% APR | 19.99% - 28.74% APR |
Cash advance rate | 14.74% - 18.00% APR | 20.74% - 29.74% APR | 29.99% APR |
Balance transfer fee | 0% | 3% | $5 or 3% - 5%, whichever is greater |
Cash advance fee | 0% | 3% - 5% | $10 or 5%, whichever is greater |
Foreign transaction fee | 0% | 3% | 3% |
Late payment fee | Up to $7 | Up to $40 | Up to $40 |
Data collected via online research on 5/25/23. Refer to the individual websites for details:
Stanford FCU: Basic Checking, Service Fees, Certificates, Tech Credit Card
Bank of America: Advantage Plus Banking, Service Fees, Certificates, Customized Cash Rewards Credit Card
Chase: Chase Total Checking, Checking Feesopens PDF file , Certificates, Chase Freedom Unlimited Credit Card