Fee Schedule

Account & Service Fees

This schedule is incorporated as part of your account agreement with FECA.

Effective March 19, 2019

Savings Account Fees

Excessive Withdrawal $5.00 (per withdrawal in excess of 3 a month)
Club Account Early Withdrawal$5.00 per withdrawal

Checking Account Fees

Basic Checking$2.00 monthly
Extras Checking$6.00 monthly
New Direction Checking$10.00 monthly
(additional $3.00 if not enrolled ine-statements)
Money Market$10.00 monthly (if average daily balance falls below$2,500.00)
Business Checking$0.25 fee per debit over 50 debits per month & $15.00monthly
Direct Checkingno fee
(if no direct deposit or payroll deductions of a minimum of $200monthly,
account will revert to the basic checking account with applicable fee)

ATM/Debit/Visa Card Fees

ATM Balance Inquiry (at any ATM)$.50 per transaction
Non-FECA/Foreign ATM TransactionVariable (Surcharge fees vary by machine)

Miscellaneous Fees

Money Order$1.00 per money order
Visa Gift Card$2.50 per Visa Gift Card
Outgoing Domestic Wire$15.00 per wire
Outgoing International Wire$40.00 per wire
Account Research Assistance$15.00/hour
On Us Check Cashing$5.00 per check for non-members
Dormant Account$10.00 per month (waived with balance over $100)
Returned Statement$10.00 per statement
Stop Payment$30.00 per item
Courtesy Pay/NSF/Return Item$30.00 per item


This Fee Schedule sets forth the conditions, fees and charges applicable to your accounts with FedEx Employees Credit Association


New/Used Autos

1.99% APR & up

Home Equity

3.25% APR & up

Planes, Boats, RVs

7.29% APR & up

For the safety of our members, certain branch lobbies are temporarily closed or have limited access.
Currently the Collierville, Hacks Cross, and Pittsburgh Branches are CLOSED.

To schedule an appointment:


Due to closed branches, our call-center is experiencing a high call volume.
To avoid longer than usual wait times, we encourage members to access their accounts remotely by logging in online or by using our mobile app.


Call Center Information:
(800) 228-8513 or (901) 344-2500 within the Memphis areaMon-Fri, 7:30am-10:00pm central
Sat, 9:00am-5:00pm central
Sun, 9:00am-5:00pm central