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Security Warning: Unauthorized access or attempts to upload and/or change information on this website are strictly prohibited and subject to prosecution. It is our policy at First Choice Financial FCU to never request account and other confidential information via email. If you suspect an email message, or website to be of fraudulent activity, to be claiming to be affiliated with FCFFCU, and asking for confidential information, please contact us immediately at 518-725-3191.



NMLS# 800563 Routing Number 221376186
title

Policies and Disclosures


title Privacy Policies
title
Click Here for the FCFFCU Privacy Policy
title EFT Agreement and Disclosures
title

Click Here for EFT Disclosures

Click Here for Mobile App Privacy Notice

Click Here for 2026 Student Scholarship Application

title First Choice Financial Federal Credit Union
Fee Schedule Per Transaction (Effective February 2025)
title

ELECTRONIC BANKING / CREDIT CARD
Debit Card Replacement Fee – $5.00
Debit Card Replacement RUSH Fee – $40.00
ATM Withdrawal Transactions – $1.00 per transaction in excess of 5 per month (no surcharge/transaction fees at CU locations)
Credit Card Replacement RUSH Fee – $40.00
Debit Card Point of Sale Transactions – FREE (point, PIN & signature-based transactions are free)

WIRE TRANSFER
Domestic Outgoing – $25.00
International Outgoing – $40.00

CHECKS
Bank Checks – 1st free, $1.00 each
Copy of Bank Check – $2.00
Stop Payment Bank Check – $25.00
Money Orders – $1.00 each

ACCOUNT RELATED FEES
Courtesy Pay (CPAY) – $15.00 per item (payment of overdrafts, ACH items, Internet Bill Payer, debit card transactions, & ATM withdrawal items up to $500 including fees)
Deposited Checks (returned) – $15.00
Overdraft (returned debit/NSF) – $15.00
Stop Payment (all items) – $25.00
Protest Draft/Check Fee – $25.00
Restraining Notice/Legal Processing/Levies – $50.00
Inactive Account Fee – $5.00 per month (if inactive for 2 years & less than $250 in account)
Copy of Paid Draft – $2.00
Account Research – 1st free, $25.00 per hour (1-hour minimum)
Incorrect Address Fee – $2.00
Photocopy of Open or Closed Account – $2.00 per page
Closed Account Fee – $25.00 (if closed within 3 months of opening)
Escheat Processing Fee – $25.00
IRA Transfer/Closeout Fee – $25.00
Miscellaneous Overnight Fee – $40.00
Required Par Value per Account – $5.00

title
title

2026 Holiday & Office Closures

New Year’s Day
Thursday, January 1, 2026 — Closed

Martin Luther King Jr. Day
Monday, January 19, 2026 — Closed

President’s Day
Monday, February 16, 2026 — Closed

Memorial Day Weekend
Saturday, May 23, 2026 – Monday, May 25, 2026

  • Saturday, May 23, 2026

    • Walmart Office: 9:00 AM – 12:00 PM

    • Main Office & Broadalbin: Closed

  • Monday, May 25, 2026 — All Branches Closed

Juneteenth
Friday, June 19, 2026 — Closed

Independence Day Weekend
Friday, July 3, 2026 – Saturday, July 4, 2026 — Closed
(Federal Reserve Banks open; Board of Governors closed on 7/3/26)

Labor Day Weekend
Saturday, September 5, 2026 – Monday, September 7, 2026

  • Saturday, September 5, 2026

    • Walmart Office: 9:00 AM – 12:00 PM

    • Main Office & Broadalbin: Closed

  • Monday, September 7, 2026 — All Branches Closed

Columbus Day
Monday, October 12, 2026 — Closed

Veterans Day
Wednesday, November 11, 2026 — Closed

Thanksgiving
Thursday, November 26, 2026 — Closed

Christmas Eve
Thursday, December 24, 2026 — Closed

Christmas Day
Friday, December 25, 2026 — Closed

New Year’s Eve
Thursday, December 31, 2026 — All office locations open until 1:00 PM

New Year’s Day
Friday, January 1, 2027 — Closed

title

Policies and Disclosures


title Privacy Policies
title
Click Here for the FCFFCU Privacy Policy
title EFT Agreement and Disclosures
title

Click Here for EFT Disclosures

Click Here for Mobile App Privacy Notice

Click Here for 2026 Student Scholarship Application

title First Choice Financial Federal Credit Union
Fee Schedule Per Transaction (Effective February 2025)
title

ELECTRONIC BANKING / CREDIT CARD
Debit Card Replacement Fee – $5.00
Debit Card Replacement RUSH Fee – $40.00
ATM Withdrawal Transactions – $1.00 per transaction in excess of 5 per month (no surcharge/transaction fees at CU locations)
Credit Card Replacement RUSH Fee – $40.00
Debit Card Point of Sale Transactions – FREE (point, PIN & signature-based transactions are free)

WIRE TRANSFER
Domestic Outgoing – $25.00
International Outgoing – $40.00

CHECKS
Bank Checks – 1st free, $1.00 each
Copy of Bank Check – $2.00
Stop Payment Bank Check – $25.00
Money Orders – $1.00 each

ACCOUNT RELATED FEES
Courtesy Pay (CPAY) – $15.00 per item (payment of overdrafts, ACH items, Internet Bill Payer, debit card transactions, & ATM withdrawal items up to $500 including fees)
Deposited Checks (returned) – $15.00
Overdraft (returned debit/NSF) – $15.00
Stop Payment (all items) – $25.00
Protest Draft/Check Fee – $25.00
Restraining Notice/Legal Processing/Levies – $50.00
Inactive Account Fee – $5.00 per month (if inactive for 2 years & less than $250 in account)
Copy of Paid Draft – $2.00
Account Research – 1st free, $25.00 per hour (1-hour minimum)
Incorrect Address Fee – $2.00
Photocopy of Open or Closed Account – $2.00 per page
Closed Account Fee – $25.00 (if closed within 3 months of opening)
Escheat Processing Fee – $25.00
IRA Transfer/Closeout Fee – $25.00
Miscellaneous Overnight Fee – $40.00
Required Par Value per Account – $5.00

title
title

2026 Holiday & Office Closures

New Year’s Day
Thursday, January 1, 2026 — Closed

Martin Luther King Jr. Day
Monday, January 19, 2026 — Closed

President’s Day
Monday, February 16, 2026 — Closed

Memorial Day Weekend
Saturday, May 23, 2026 – Monday, May 25, 2026

  • Saturday, May 23, 2026

    • Walmart Office: 9:00 AM – 12:00 PM

    • Main Office & Broadalbin: Closed

  • Monday, May 25, 2026 — All Branches Closed

Juneteenth
Friday, June 19, 2026 — Closed

Independence Day Weekend
Friday, July 3, 2026 – Saturday, July 4, 2026 — Closed
(Federal Reserve Banks open; Board of Governors closed on 7/3/26)

Labor Day Weekend
Saturday, September 5, 2026 – Monday, September 7, 2026

  • Saturday, September 5, 2026

    • Walmart Office: 9:00 AM – 12:00 PM

    • Main Office & Broadalbin: Closed

  • Monday, September 7, 2026 — All Branches Closed

Columbus Day
Monday, October 12, 2026 — Closed

Veterans Day
Wednesday, November 11, 2026 — Closed

Thanksgiving
Thursday, November 26, 2026 — Closed

Christmas Eve
Thursday, December 24, 2026 — Closed

Christmas Day
Friday, December 25, 2026 — Closed

New Year’s Eve
Thursday, December 31, 2026 — All office locations open until 1:00 PM

New Year’s Day
Friday, January 1, 2027 — Closed

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