| Fees & Charges | |
| Effective Date: 02/1/2014 | |
| Additional SERVICE CHARGES & FEES may be assessed dependent upon the service(s). All fees/service charges are subject to change without notice. | |
| Service | Fee |
CLOSING ACCOUNTS |
|
| Closing account within 90 days of opening account | $20.00 |
| Reopening Fee allowed after 6 months suspension | $20.00 |
| No Fee after 12 months | |
RETURNED DEPOSITS (CHECK OR ACH) |
|
| Returned deposit(s) or cashed item(s) | $35.00 |
CHRISTMAS SAVINGS |
|
| Christmas Savings withdrawals before November 1st | $15.00 |
SHARE DRAFT/TRANSACTION/ACH |
|
(Share Draft accounts require overdraft protection loan) |
|
| Amount required in savings to open a share draft account | $100.00 |
| Amount required in savings to open a business Checking Transaction account | $100.00 |
| Quantity of coins are not accepted except from vendors by arrangement. | |
Stop payment orders (per item) |
$35.00 |
Stop payment on Corporate checks (per item) |
$35.00 |
| NSF return fee | $35.00 |
| Check Copy | $3.00 |
| Corporate Check Copy | $7.00 |
Account Reconciliation - Hourly minimum rate of |
$35.00 |
MONTHLY FEES |
|
| Monthly fee on personal draft accounts * | $5.00 |
(Waived with $1000 in savings) |
|
| Monthly fee on business accounts | $15.00 |
CHECK CASHING |
|
Cashing of a verified check when the amount is greater than funds available in account. |
$5.00 |
MONEY ORDERS/CU MONEY/VISA (Non FCUCU Visa) |
|
| Money orders up to $499.00 | $2.00 |
CU Money Card $10.00 (purchase) |
$5.00 Reload |
Visa Cash advance 10% |
$5 - $50.00 (min - max) |
UTILITY BILLS (IPP) AUTOMATIC 1-3 DAYS |
|
| Electric, Gas, Cable, Water, Sewer, and any other | $1.50-$5.00 |
| Other: Credit cards, Auto & Mortgage Loans, etc. | $2.00-$5.00 |
CASH DISBURSEMENT POLICY |
|
| A maximum of $1000.00 in cash will be disbursed at any one time to any member. | |
| Fee for over 2 withdrawals from savings per month, per withdrawal | $5.00 |
LOAN FEES (NON REFUNDABLE) |
|
| 5% of the installment payment if ten(10) days past due. | |
Grace (Payday) Loan application fee. |
$20.00 |
Monthly fee Amazing Grace Line of Credit |
$15.00 |
| Loan Application Fee on Regular Loans | $35.00 |
| Real Estate Appl Fee minimum (non-refundable) | $250.00 |
| Business Loan Application fee | $500.00 and up |
| Small Business Administration (SBA) | 500.00 and up |
Loan Processing Fee (approved loans) |
$45.00 |
OTHER |
|
Check by Phone |
$3.00 |
| Reprinting of individual statements per month | $3.00 |
| Reprinting of business statements per month | $5.00 |
| Letter of verification | $3.00 |
Returned Mail (non-notification of address change per returned item) |
$5.00 |
| Photocopying per page | $3.00 |
| Faxes for 1st Page | $5.00 |
| $1.00 each add'l page | |
Account Research (per hour) |
$30.00 |
DORMANT savings accounts |
$5.00 |
| Levy/Garnishment/Attachment (per occurrence) | $50.00 |
Official Check (2 free) |
$5.00 |
ATM/STAR FEES |
|
Deposits |
$2.00 |
Card Replacement (ATM or DEBIT) |
$15.00 |
| Withdrawals | $1.50 |
| Inquiries | $1.00 |
Incomplete transactions (per time) |
$1.00 |
WIRE FEES |
|
| Domestic wires | $20.00 |
| Incoming wires | $5.00 |
| INFO-LINE (641-2828) | |
No fee access 24 hour information (TELLER 24) | |
Personal Assistance where info available on Info Line |
$3.00 |
| |
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