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Effective June 4, 2008
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Credit Union Membership
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Membership Share
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$25.00 par value
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18 and Under Membership Share
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$5.00 par value
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Closed Account Fee
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No Fee
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Share Savings and Money Market Account Fees
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Inactive Account Fee**^
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$2.00/month
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Share Account Minimum Balance (if after 6 months, the min. balance is not maintained)
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$5.00/month
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Teller Withdrawal*(Also see note #1)
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$2.00
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Non-Sufficient Funds Fee (NSF)
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$27.00/item
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Share Draft/Checking Account Fees
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Non-Sufficient Funds Fee (NSF)
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$27.00/item
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Stop Payment Fee
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$27.00/request
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Share Draft Print Fee
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Prices Vary dep. on style
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Copy of Share Draft Fee
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$2.00/item
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Small Business Checking Account Fees
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Minimum Balance Fee (if less than $1,000.00 balance not maintained)
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$10.00/month
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Bulk Coin Deposit Fee
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3% of Deposit
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Check Paid Fee (First 100 checks free each month)
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$0.15/check
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Deposit Fee (First 100 items per transaction free)
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$0.08/check
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Non-Sufficient Funds (NSF)
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$27.00/item
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Stop Payment Fee
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$27.00/request
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Share Draft Print Fee
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Prices Vary dep. on style
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Copy of Share Draft Fee
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$2.00/copy
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Loan Fees
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Returned Payment Fee
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$27.00/item
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Auditing Fee***
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25.00/request
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Consumer Loan Late Fee
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11 or more days late, 20% of the interest due, min of $1.00
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Home Loan Late Fee
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11 or more days late, 4% of the payment due, min $1.00, max $999.99
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Electronic Funds Transfers Fees
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Non-Proprietary ATM ++ (Approved/Declined) Withdrawal/Transfer/Inquiry Fee
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$1.25
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ATM Replacement Card
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$5.00/card
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ATM Replacement PIN
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$2.00/request
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ATM Lost Card Fee
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$5.00/card
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ATM Film Developer
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At cost
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ATM Negative Balance Fee
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$27.00/incident
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Non-Proprietary ATM Surcharge Fee
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Fee May be imposed , fee varies at each institution
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ACH Non-Sufficient Funds (NSF)
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$27.00/incident
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International Assessment Fee for ATM/VISA® Checkcard foreign transactions
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1% of transaction amount
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VISA
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VISA® Card Replacement
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$10.00
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VISA® Over Limit Fee
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$15.00
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VISA® Charge-backs
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$5.00
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VISA® Copy of Sales Receipt
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$5.00/each
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VISA® Late Payment Fee(after 10 days past due)
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$30.00 or 10% payment due
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VISA® Domestic Card Recovery
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$65.00
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VISA® International Card Recovery
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$125.00
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Other Service Fees (Applicable to all Accounts)
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Bad Address Fee
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$2.50/month
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Account Research Fee
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$25.00/hour
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1 Party Deposit/you wrote yourself a check from another account.
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$27.00/item
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2 Party Deposit/someone else wrote you a check
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$10.00/item
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Check Paid from Funds on Hold
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$27.00/item
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Wire Transfer Fee (Outgoing, Domestic)
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$10.00/each
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Wire Transfer Fee (Outgoing International)
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$30.00/each
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Cashier’s Check Fee*
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$5.00/each
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Credit Union Checks
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$1.00/each
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American Express Gift Card
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$3.75/each
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Gift Check Fee
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$2.00/each
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Legal Processes Fee: Garnishments/Levies
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$50.00
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Express Mail
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At Cost
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Western Union Quick Cash
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$21.00
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Western Union Quick Cash With Message
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$23.00
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Safe Deposit Box Rental
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v 3x5
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$40.00
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v 3x10
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$60.00
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v 5x10
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$80.00
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v 10x10
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$120.00
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*Fee waived for members of 50 On Up Club
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++Fee waived for full-time students under 25 years old.
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**For accounts with single relationship, balance below $500.00 and no activity for ninety (90) days.
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***After 1st request within a six (6) month period.
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#1 Per withdrawal after (4) withdrawals from Share Savings and Share Clubs per month, regardless of account balance.
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^Fee waived for members 18 years old and under.
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Free Services (Applicable to All Accounts)
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Audio Teller (BelTel)
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Home Banking (BOB)
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Bill Pay on Home Banking
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E-statements
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Check Copies on E-statements
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Travelers Checks (Single and Two Party)
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Money Orders (a maximum of 4 per day – no exceptions)
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Share Check Account (No monthly fees)
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VISA® Checkcard
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Starter Checks
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Account Reconciliation
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Free Change Machine
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E-mail Alerts about your account (B-Lerts)
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Access to Credit Union Service Centers across the US
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Direct Deposit/Payroll deduction
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Financial Counseling
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Financial Seminars
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Account Verifications
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Check Cashing
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Notary Services
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Signature Guaranties
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$1,000.00 Accident Death and Dismemberment Insurance
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