Atlantic FCU NSF and monthly fees
Atlantic Federal Credit Union's consumer account fee schedule, effective 10 February 2025, prints $30.00 for a non-sufficient funds item, an overdraft protection item, or a card overdraft item, per occurrence, including repeat presentments. Member Checking prints no monthly maintenance fee. Balance Checking, the second chance checking account, prints $15.00. This is the US credit union, not a Canadian Atlantic credit union. The wider list is overdraft fees at US credit unions. Every overdraft guide is on overdraft fee guides. A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
Last updated: October 22, 2026
Last checked: Oct 2026
What the February 2025 schedule prints
Opened 22 October 2026. The dollars are on Atlantic Federal Credit Union's consumer account fee schedule, effective 10 February 2025. It covers estate, fiduciary, health savings, personal, and trust accounts. Non-sufficient funds, overdraft protection, or a card overdraft item is $30.00 per occurrence, and the row says that includes repeat presentments. A returned check is $30.00. The footnote says that if an item is returned for NSF, Atlantic will redeposit it a second time, and if it is returned again the fee is debited from the member share along with funds previously credited. If it is returned for a reason other than NSF, the fee applies on the initial return. An automatic share overdraw transfer is $5.00. A stop payment request is $30.00.
Member Checking and HSA Checking print no monthly maintenance fee. Kasasa Cash Checking, Kasasa Cash Back Checking, and money market checking also print no monthly maintenance fee. Balance Checking prints $15.00. Member Savings prints no monthly maintenance fee, and $25.00 if that account is closed within 90 days of opening. The $25.00 sits in the Member Savings block, not in the checking block. An inactive account is $5.00 a month after 365 days of no activity. A debit card replacement is $10.00. An initial outgoing domestic wire is $25.00. A recurring outgoing domestic wire is $6.00. A foreign outgoing wire is $50.00. An incoming wire is $10.00. The schedule does not print a daily count cap on the $30.00 fee.
A fee already charged is a request. Atlantic Federal can say no. The US list is US bank fee guides.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What the schedule prints |
|---|---|
| NSF, overdraft protection, or card overdraft | $30.00 per occurrence, including repeat presentments |
| Returned check | $30.00 |
| Member Checking monthly fee | No charge |
| Balance Checking monthly fee | $15.00 |
| Automatic share overdraw transfer | $5.00 |
| Daily count cap | Not printed on this schedule |
Questions
- How much is an Atlantic Federal NSF fee?
- The consumer schedule effective 10 February 2025 prints $30.00 per occurrence for NSF, overdraft protection, or a card overdraft item, and the row includes repeat presentments. A returned check on the same schedule is also $30.00.
- Does Atlantic Federal cap that fee in one day?
- This schedule does not print a daily count cap. It does say the $30.00 applies per occurrence, including a repeat presentment.
- What is the Balance Checking monthly fee?
- Balance Checking, labeled as a second chance checking account, prints $15.00 a month. Member Checking prints no monthly maintenance fee.
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