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BEWARE OF IMPOSTER TEXT ALERTS FROM SFCU! Do not click links, do not reply, do not call their phone number, do not give out your login ID, password or access code. Always call us directly at 888.723.7328 to confirm.

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BEWARE OF IMPOSTER TEXT ALERTS FROM SFCU! Do not click links, do not reply, do not call their phone number, do not give out your login ID, password or access code. Always call us directly at 888.723.7328 to confirm.

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 16,000 16,000
NSF Fee $0 $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 1.31% 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(on the amount withdrawn)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 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 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 10.24% - 18.00% APR 14.74% - 24.74% APR 15.74% - 24.49% APR
Cash advance rate 10.24% - 18.00% APR 17.74% - 24.74% APR 25.74% APR
Balance transfer & cash advance fee 0% $10 or 3% - 5%, whichever is greater $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 6/14/22. 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