Fee Eligibility for VIP Refunds

Effective as of January 1, 2018.

Share Savings Account VIP Refund Eligible
Monthly fee (below $5 minimum) $2.50 No
Account closure within six months of opening $25.00 No
Money Market Savings Account
Below balance requirement fee (balance < $10,000) $15.00 Yes
Account closure within six months of opening $100.00 No
Additional withdrawals/transfers (3 free per month) $25.00 Yes
Holiday Club Account
Account closure/withdrawal before yearly distribution $15.00 No
Checking Accounts
Monthly fee if qualifications not met (The “ONE” Checking Account) $7.50 Yes
Overdraft Share Draft, ACH, ATM (returned) $30.00 Yes
Overdraft ATM or one-time Debit Card transaction (Opt-In required) $30.00 Yes
Overdraft Courtesy Pay $30.00 Yes
Transfer from deposit account to cover overdraft $1.00 Yes
Stop payment ACH or Share Draft (one or a series of checks) $30.00 Yes
Check copy $2.50 Yes
ATM/VISA Debit Card
Credit Union owned ATM or designated ATM, CO-OP/CU24 network No charge N/A
Foreign withdrawals $1.00 Yes
Foreign withdrawals (with The “ONE” Checking Account) No charge N/A
Foreign balance inquiries/transfers $0.75 Yes
Foreign balance inquiries/transfers (with The “ONE” Checking Account) No charge N/A
ATM deposit adjustment at foreign machine $10.00 Yes
ATM/VISA Debit Card replacement $10.00 Yes
ATM/VISA Debit Card PIN replacement $5.00 Yes
VISA Debit Card chargeback or disputed transaction that is found to be member authorized $25.00 No
VISA Debit Card or PIN 2nd day priority mailing $30.00 No
VISA Debit Card and PIN 2nd day priority mailing $60.00 No
Foreign currency conversion fee of transaction amount Up to 1% No
Bill Payment Service
With The “ONE” Checking Account No charge N/A
With Basic Checking Account (monthly) $5.00 Yes
Stop payment $30.00 Yes
Expedited payments: Expedited electronic $5.00 No
Expedited payments: Overnight check $25.00 No
Applicable to ALL Account Holders
Account reconciliation/research fee (per hour) $25.00 Yes
Deposited item returned $30.00 Yes
External Funds Transfers- Standard Outbound $5.00 No
External Funds Transfers- Premium $7.50 No
Inactive membership $10.00 (quarterly) No
Cashier’s Check (to 3rd party) $1.00 Yes
Overnight mail Courier cost (min. $15.00) Yes
Remittance to State Unclaimed Property $30.00 No
Return mail fee $10.00 No
Mailed Statement of Accounts
Fee is waived if you receive your statements electronically
$1.50
per statement
Yes
Statement copy fee (per statement month) $5.00 Yes
Stop payment on official check (only available for lost or stolen) $30.00 Yes
Wire Out: Domestic $20.00 Yes
Wire Out: International $40.00 Yes
Writ of Attachment/Levy (per writ or levy) $40.00 No
Loans
Consumer Loan late payment fee (15 day courtesy period) $30.00 No
Real Estate Loan late payment fee (15 day courtesy period) $30.00 No
Returned payment fee $30.00 No
Lien release letter or copy of title (for previously released titles/liens) $10.00 No
Application fee – ZipLINE Credit Builder $30.00 No
Skip-a-Loan Payment/Extension Agreement $30.00 No
Accounting Payoff Statement (No charge for 1 within 6 months) $25.00 thereafter No
Mortgage subordination fee: Within 10 business days $100.00 No
Mortgage subordination fee: Expedited $150.00 No
VISA Credit Cards
Late payment fee (15 day courtesy period) $25.00 No
Returned payment fee $25.00 No
VISA Credit Card chargeback or disputed transaction that is found to be member authorized $25.00 No
VISA Credit Card overnight delivery $45.00 No
Lost/stolen replacement $10.00 No
Foreign currency conversion fee of transaction amount Up to 1% No

*Refunds are not provided for loan fees, abusive behavior fees or pass through fees; members not in good standing; inactive members receiving dormancy fees.