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| Early withdrawal penalty (on the amount withdrawn) |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 |
Data collected via online research on 9/21/23. 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
