| COMMON FEATURES |
Bylaw requirements - You must complete payment of one share into your regular share savings account as a condition of admission to membership. The par value of a share is $5.00. If at any time your balance falls below the par value of one share and you don not increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.
National Credit Union Administration Insurance - This credit union is federally insured by the National Credit Union Administration (NCUA). |
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| FEE SCHEDULE |
The following fees may be assessed against your account:
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| Account Research |
$ 8.00 per hour |
| Account balancing assistance |
$8.00 per hour |
| Certified Corporate Draft |
$3.00 each |
| Check Cashing Fee |
$3.00 per check |
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The Check Cashing Fee will be charged if
- The regular share balance is below $100.00
- There are no other products or services (Not included are debit cards and safe deposit boxes)
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$3.00 per check |
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Check Printing
- Starter checks for Share Draft Accounts (in-house printing)
- Emergency or Additional Starter Order for Share Draft Accounts (in-house printing)
- Money Market - first page free - subsequent pages
- Vendor Order Share Draft or Money Market
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First 12 checks free
$1.00 per page (4 checks)
$1.00 per page (4 checks)
Varies by Style
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Close Account Fee - for regular share, share draft or club accounts closed within 90 days of opening
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$7.50 |
| Copy of a Draft |
$ 2.50 |
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Copy of Account History
Copy of Account Statement
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$ 1.00 per page
$1.00 per page
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Dormat Account Fee - An account is dormant if for one year
- There have been no deposits or withdrawals to the regular share account or
- There has been no other activity such as loans, VISA, certificates, etc.
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$ 3.00 per month |
| Membership Fee |
$ 1.00 |
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Money Market
- Overdraft Protection Transfers in excess of Federal Regulation D limitations
- Checks Presented for Payment in excess of Federal Regulation D limitations
- Note: Excessive violation of Reg D may result in account closing.
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$5.00 per transfer
$5.00 per check
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| Money Orders |
$1.00 each |
| Negative Balance Fees (Resulting from Debit/ATM Transactions) |
$ 26.00 each |
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NonSufficient Funds (NSF)
- Share Drafts
- ACH (Automated Clearing House) AUtomatic Drafts or Payment Items
- Deposit Items - checks from others deposited to your account
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$26.00 per item
$26.00 per item
$26.00 per item
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Overdraft Items
- Checks posted manually due to funds being unavailable at the time of presentment (e.g. deposits made after check presentment)
- Checks paid by overdraft protection transfers that exceed Federal Regulation D limitations of 6 transfers per month.
- Note: Excessive violation of this Regulation may result in account closing.
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$26.00per item
$5.00 (per transfer)
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Safe Deposit Box Annual Fees
- 3 x 5 $12.00
- 5 x 5 $16.00
- 3 x 10 $22.00
- 5 x 10 $33.00
- 10 x 10 $55.00
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| Stop Payment Fees (Share draft, ACH Drafts, Electronic Funds Transfer Items, Postdated Items) |
$18.00 per order |
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VISA Check Card (Debit/ATM)*
Monthly Service Fee
Replacement of VISA Check (Debit/ATM) Card
Change PIN # on ATM/Debit Card
VISA Gift Card
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$2.00 per month
$5.00 each
$1.00
$2.50
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| Wires - Incoming |
No charge |
| Wires - Outgoing |
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| Domestic |
$15.00 each |
| International |
$30.00 each |
| Travelers Cheques (No charge with balance on deposit of $200 or any loan proguct) |
$1.00 per $100.00 |
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| ***NOTICE REGARDING ATM FEES BY OTHERS*** If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network. |
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