Account Maintenance |
|
| Additional Account Statement Printout | $3.00 |
| Account Research (per 1/2 hour, minimum – $35.00) | $35.00 |
| Invalid Address/Returned Mail (per month) | $6.00 |
| Account Reconcilement (per 1/2 hour, minimum – $15) | $15.00 |
| *Paper Statements (per statement mailed) | $2.00 |
| Exclusions: Members <18 years of age-no charge Members > or=65 years of age-no charge and Business, Organizational, Trust and Estate Accounts-no charge | |
Certificates of Deposit or IRA(Not Including Required Minimum Distributions) |
|
| Early withdrawals from CD’s / IRA CD’s (plus 180 days interest) | $25.00 |
Charge Backs |
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| Return of items drawn on member’s account at another financial institution | $30.00 |
Consumer Savings and Checking Accounts
|
|
| Overdraft Item (non-sufficient funds or overdraft item paid) | $36.00 |
| *Overdraft Transfer from Savings (Reg D may apply) | $5.00 per transfer |
| Check Orders | Varies on style ordered |
| Check copy (per item) (free via Online Banking) | $2.00 per item |
| Stop Payment-to place and release (free when processed through online banking) | |
| 1st Check, if funds are available | $25.00 |
| 2 or more checks in a series, single order | $25.00 |
| 1st Check, if funds are not available | $35.00 |
| Holiday/Vacation Club (withdrawals prior to annual payout) | $15.00 |
Credit Cards |
|
| Late Charge (payments received after the 28th of the month) | $25.00 |
| Replacement card | $15.00 |
| Rush Card* | $65.00* |
Gift Cards |
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| Per card | $3.95 |
Debit Cards |
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| Replacement card | $15.00 |
| Rush Card* | $65.00* |
Drive Up Teller |
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| Service call due to excess coin/other items in tube | $100.00 |
| Taking carrier from drive up tube (if carrier not returned to credit union within 24 hours) | $100.00 |
Foreign Checks |
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| Processing fee per item (fee may vary based on country of origin) | $10.00 |
Garnishment or Levy |
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| Each notification (includes child support notices) | $125.00 |
Inactive Accounts |
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| Monthly Charge (Dormant Fee) (assessed when the following conditions exist) | $5.00 |
| No activity in 12 months | |
| No loan balances | |
| Minor accounts excluded | |
| Unclaimed property processing fee | $25.00 |
Loans |
|
| Late charge after 15 days (excludes credit cards and home equity lines of credit) | 5% of the monthly principal & interest payment due |
| Late Charge Credit Cards and Home Equity Lines of Credit | $25.00 |
| Lien/Title Encumbrance | cost charged by state |
| *Mortgage Subordination Agreement | $250.00 |
| Skip-A-Payment (per loan/month skipped-certain rules do apply) | $35.00 |
Membership |
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| Par value share (minimum that must be maintained in share account) | $5.00 |
Wire Transfers |
|
| Incoming Wires | |
| Domestic/Foreign | $15.00 |
| Outgoing Wires | |
| Domestic | $25.00 |
| Foreign | $40.00 |
| Tracers | $35.00 |
Official Checks |
|
| Cashier’s Check (a check made payable to anyone other than the member, excludes tuition expenses) | $7.00 |
Money Orders |
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| Per item | $3.00 |
Photocopies |
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| Photocopy of any document already provided (i.e. loan documents, 1099’s, 1098’s) | $2.00 |
*Indicates a change in fee.