WIT Federal Credit Union


WIT Federal Credit Union

WIT Federal Credit Union
22 Fourth Street
Rochester, NY 14609

Phone: (585) 454-4580
Fax:  (585) 454-4610

Email: witfcu@witfcu.com



On October 26, 2001, President Bush signed into law the USA PATRIOT Act. The purpose of this law is to help protect you, your family and our country from terrorism by preventing terrorist financing. We want you to know that section 326 of the Act requires our credit union to verify the identity of all new credit union members. We must also verify the identity of members and non-members added as signatories to and who have access to new or existing deposit accounts and loans. We may need to retain copies of documents used to verify your identity.

If you are an existing member who joined the credit union before the USA PATRIOT Act rules became effective, we may also need to verify and retain copies of any documents used to verify your identity when you request a new deposit account, apply for a loan or are added as a signatory to a new or existing deposit or loan account.

We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country. Please speak with a credit union staff member if you have any questions or concerns about our identity verification procedures.


Third Party Disclaimer

Any web site you visit by a link from this site is solely the responsibility of the vendor, merchant, or other party providing the site. Links that may be accessed via this site are for the convenience of our members. The content of, including materials and information contained on any site to which you link from this site is solely the responsibility of the provider of that web site. Any transactions that you enter into with a vendor, merchant or other party listed in this site or linked from this site are solely between you and that vendor, merchant or other party. WIT Federal Credit Union is not responsible for any such third party content that may be accessed via those sites. WIT Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing those sites, and hereby disclaims any responsibility for such content.


WIT Federal Credit Union Fee Schedule

Fee Schedule

Stop payment of a Credit Union Treasurer’s check


Returned member check


Insuffient funds (NSF) in checking or savings or
NSF draft force post (negative account)


Stop payment on a check


Returned deposits


Overdraft transfer


Closing of checking account involuntarily


ATM fee for more than 8 transactions in a month

$1.00 per transaction after 8

Inactive account fee for accounts with no loans, deposits, or withdrawals in 36 months

$5.00 per month

Late payment for Home Equity Loans and
Home Equity Line of Credit

2% after 15 days

Late payment for an overdraft account

$5.00 after 7 days

Consumer Loans

$15 for 15 days or more late

Replacement Debit Cards




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