Arizona Federal Credit Union fees compared to Ally Bank fees to compare the fee schedules

If you want to know more about why Ally Bank is a smarter choice than AZFCU.org, see this link:

https://arizonafederalcreditunionmembers.wordpress.com/2014/10/20/how-do-other-banks-and-credit-unions-compare-to-az-fcu-with-10000-in-your-share-savings-account-move-your-money

Fee schedule comparison of Ally Bank vs Arizona FCU Ally Bank Arizona FCU
Rates paid on your savings 0.90% is HIGH, GOOD 0.01% is LOW, BAD
24 hour customer service yes no
Free nationwide ATM withdrawals yes, reimburses if charged no
Minimum balance required to avoid fees $0 no – impossible to avoid $36 annual member fees
Free online billpay yes no – impossible to avoid $36 annual member fees
Free mobile banking yes no – impossible to avoid $36 annual member fees
Free remote deposits yes no – impossible to avoid $36 annual member fees
Free paper checks for checkwriting yes no – $23.35 for 120 paper checks
Postage-paid deposit envelopes, free yes no
Cross border / currency conversion transaction Up to 1% of the transaction Up to 3% of the transaction
Cashier’s check $0 $3
Returned deposit item $7.50 $10
Overdraft fee $9 $35
Stop payment item $15 $35
Expedited delivery $15 $19
ATM cash card fee $0 $3 monthly
Member/customer rejoining fee $0 $25
Monthly maintenance fee $0 $3
Annual maintenance fee $0 $36
Treats you with respect yes no
Has a “fee them up” strategy no yes
Surprise fees no yes
Accounts insured up to $250,000 $250,000
Incoming wire transfer $0 $9
Outgoing wire transfer – domestic $20 $18
Cash deposits available no yes, in branch, not by mail
Safe deposit boxes no yes
Local Arizona branches no yes
WINNER: ALLY BANK

Of the few areas in which AZFCU is the winner, other local credit unions can provide those services for less money than at AZFCU.
Arizona Federal Credit Union says they believe in financial education. We are certain they will be glad we are providing this educational and informative comparison table to their members and prospective members.

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About Arizona Federal Credit Union Members United

Arizona Federal Credit Union Members United is a group of over 100 members and former members who care about our credit union being run fairly. The leadership of the credit union has failed to represent us properly by enacting a new and unnecessary, unavoidable, unconscionable, $3 monthly membership fee that we did not want. The members did not ask for this. Before implementing such a counter-productive fee, the proposal should have been put up for a vote to all the members to decide, so the will of the people is followed. The member-owners of Arizona FCU should not be taxed $3 monthly, simply for being a member. We want all the $3 monthly member fees refunded to all current and past members, the elimination of the fee going forward, and the elimination of the $25 rejoining fee. We are against any financial institution charging an unavoidable ongoing membership fee, simply for being a member. This is the wrong approach. Members and customers should be valued, not punished. We want to see Arizona FCU succeed, not fail. Imposing unfair policies that are detrimental to the long-run success of the credit union and detrimental to society should be abolished.
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