Fee’s & Charges

ACCOUNT FEES & CHARGES SCHEDULE
Effective January 1st. 2012
Membership Application Fee $1.00
Share draft fees:
Draft (Check) Cost
*Additional styles available that the member can purchase.		 Two Boxes FREE Per Year (6 styles to choose from)
Overdraft Charge $25.00 each
Returned Nonsufficient Fund Draft $20.00 each
“Courtesy pay”(non-return fee) $20.00 each
Overdraft Transfer – Line of Credit Advance $5.00 each
Overdraft Transfer from Shares $2.00 each
Copy of Paid Draft $3.00 each
Stop Payment of Draft $5.00 each
Share Draft (check book) Balancing $10.00 hour
Account History 1 free per month $1.00
Automated Teller Machine (ATM) & Point of Sale/Debit Card*
ATM Inquiries Free
ATM/EFT Withdrawals Free
Overdrawn Due to ATM or POS Transaction (OPT-In) Option (if amt is $15 or more) $20.00 each – New
No Off Line Limit, if no OPT-In on file $-0-
Non Credit Union member ATM Transaction fee $ 3.00
ATM Card (original cards) FREE
ATM Replacement cards $5.00 each
Re-Issue PIN Number $5.00
Foreign Transaction Fee
* Point of Sale Purchases with Debit Card (Must have checking/share draft account)** The government-mandated rate in effect for the applicable central processing date.  In each instance, plus 1.00%		 (**)

 
Miscellaneous Fees:
 
Deposit Items Returned $20.00 each
Money Orders $0.50 each
Land Contract Collection (per payment) $3.00
Collection of Utilities varies
Collection of Utilities – Non-members (per bill) $0.50
Microfilm Copy Print-Outs $ 1.00 per page
Faxes $ .50
Replacement Photo ID’s (1 free per year) $ 5.00 additional
Dormant Account fee (monthly) $2.00
Garnishment/levy processing fee $25.00
Bad Address return fee $5.00
Wire Transfers  
Incoming Free
Outgoing $10.00 each
Overseas/foreign incoming FREE
Overseas/foreign outgoing $25.00 each
Notary Service FREE
Guaranteed Signature Stamp FREE
Guaranteed Signature Stamp – Non-members $50.00
ACH/EFT Withdrawals (Member Authorized) resulting in Overdrafts (NSF) $20.00 each
ACH/EFT Stop Authorizations $5.00 each
ACH/EFT NSF Return $20.00 each

Processing Fee-close & reopen new acct due to ACH problems/neglect $20.00 each

 $20.00
Corporate (Cashiers) Checks Issued under $100 $2.00 each
Corporate (Cashiers) Checks Issued over $100 FREE
Non-Receipt of paid taxes (90 days past due) $25.00

Real Estate Mortgage/Home Equity

 Separate Fee Schedule Available Upon Request