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Due to scheduled maintenance, our website may be down on Tuesday, November 28 very briefly between 8:00pm to 2:00am PT. We apologize for any inconvenience. Please use the mobile app or call us at 888.723.7328 for urgent requests.

Alert Notification Icon

Due to scheduled maintenance, our website may be down on Tuesday, November 28 very briefly between 8:00pm to 2:00am PT. We apologize for any inconvenience. Please use the mobile app or call us at 888.723.7328 for urgent requests.

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 $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 $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 5.12% APY 0.03% APY 3.00% 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(on the amount withdrawn)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

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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 15.24% - 18.00% APR 18.24% - 28.24% APR 20.49% - 29.24% APR
Cash advance rate 15.24% - 18.00% APR 21.24% - 29.24% 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