At Fusion, it is our practice to review our fee for service guide annually.  We often implement increases that are a result of a changing competitive landscape, and/or to keep up with the fees that we are responsible for with our third-party providers.  We are confident that our service fees are comparable to other credit unions and banks – we conducted a review of different institutions and confirmed that Fusion is neither the lowest nor the highest, but well-aligned with a similar approach as our peers.