SCHEDULE OF FEES AND CHARGES
Effective Date: 08/1/2023
Accounts
|
|
Non-Sufficient Funds
(NSF - Item Returned).
|
$10.00/Presentment
Checks, electronic debits, or bill pay checks
|
| Overdraft (Overdrawn Account). |
$10.00/Presentment
Checks, electronic debits, or bill pay checks
|
| Stop Payment. |
$25.00/Request
Placed on checks, electronic debits or bill pay checks
|
| Check Copies. |
$2.00/Check |
| Copy of Visa Debit Card Purchase |
| Sales Draft. |
$10.00/Check |
| Interest Checking |
| Service Fee. |
$7.00/Month
If minimum average daily balance of $1,000.00 is not met
|
| Platinum Interest Checking |
| Service Fee. |
$10.00/Month
If minimum average daily balance of $2,500.00 is not met
|
Health Savings Accounts
|
| HSA Service Fee. |
$2.00/month |
| HSA Plan Closure. |
$25.00 |
IRAs
|
| Plan Closure. |
$25.00 |
Other Service Fees
|
| Items Sent For Collection. |
Varies/Item |
| Domestic Wire Transfer. |
$18.00/Transfer |
| Teller Check. |
$3.00/Check
After 1 free per day |
| Account Reconciliation. |
$25.00/Hour -
$12.50 minimum charge |
| Research. |
$25.00/Hour -
$12.50 minimum charge |
| Statement Copy. |
$3.00/Statement |
| Deposit/Payment Item Return*. |
$10.00/Presentment
(Check or ACH) If written by member
|
| Legal Process |
$25.00 |
| Inactive Account |
$5.00/Month - After 12 months when combined account balance is less than $500.00 (Does not apply to members 18 or younger.) |
|
|
Other Service Fees (cont'd)
|
|
Account Closure.
|
$5.00
If account closed within first 90 days
|
| Photocopies. |
$0.25/Page |
| Fax (outgoing) Local call. |
$1.00/Page |
| Fax (outgoing) Long Distance. |
$1.50/Page |
| Return Mail. |
$4.00/Month |
| Dormant Account. |
|
| Locator Service. |
$50.00/Year |
|
Check Cashing.
|
1% of Check Amount/Check
For member with less than $100.00 in regular savings and no other accounts
|
| In House Bill Pay. |
$3.00/Check |
|
Stop Payment on Cashier or Teller Check (when allowed).
|
$20.00/Check |
| Copy of Cashier or Teller Check. |
$5.00/Check |
VISA Credit Cards
|
|
Payment Item Returned.
|
$10.00/Item (Check or ACH) |
|
Copy of Visa Credit Card Purchase Sales Draft.
|
$10.00/Item |
| Replacement Card. |
$8.00/Card |
| Replacement PIN. |
$5.00/PIN |
| Late Payment Fee. |
up to $35.00 |
| Foreign Currency Conversion Fee. |
1% of transaction amt. |
| ISA Fee. |
0.80% of transaction amt. |
EFTs
|
| ATM Withdrawals per Month at no Charge. |
Five (5) |
| Charge for Withdrawals in Excess of Free Withdrawal. |
$1.00/Transaction - ATMs not part of the CO-OP Network |
| Card Replacement. |
$8.00/Card |
| PIN Reissue. |
$5.00/PIN |
| Overdraft (ACH, Debit Card, ATM). |
$10.00/Presentment |
| ACH Stop Payment. |
$25.00/Presentment |
| Foreign Currency Conversion. |
1% of transaction amt. |
| ISA Fee. |
0.80% of transaction amt. |
| Deposit/Payment Item Return*. |
$10.00/Presentment |
|
The rates and fees appearing in this Schedule are accurate as of the Effective Date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.
The terms of the Membership and Account Agreement are incorporated herein, and both this document and the Membership and Account Agreement are meant to be interpreted together.
*We charge this fee each time a check or other item that we either cashed for you, or accepted for deposit or payment is returned to us unpaid.
Failure to Maintain the $5 Membership Share:
Membership will lapse and a service fee equal to the balance remaining may be assessed unless membership share restored within 60 days.
