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An account is considered dormant if for six months no withdrawals or deposits, other than credited dividends, have been made to the account and we have received no communication from you about the account.
The fee for a dormant account is $15.00 every six months.
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
| Credit/Debit Card Fees | Amount |
|---|---|
| Replace ATM/Debit card | $5.00 first time (Each additional $10.00) |
| Replace lost PIN number | $5.00 |
| Change PIN (personal identification number) for ATM/Debit card | $5.00 |
| ATM cash withdrawal from all account(s) | $1.00 each in excess of six per month at ATM's we do not own or operate |
| Dollar limit | $205.00 per business day |
| Phone transfer by credit union employee | $5.00 per transfer |
| International ACH Transactions (IAT's) | $5.00 per transaction |
| Foreign collection item | $35.00 |
| Foreign item deposited (as collection item only) | 35.00 each |
| Wire transfer incoming | $10.00 |
| Wire transfer outgoing (within continental United States) | $30.00 |
| Wire transfer outgoing (outside continental United States) | $85.00 or Actual Cost if greater |
| Account Fees | Amount |
|---|---|
| Overdraft - each overdraft paid | $35.00 |
| Overdraft protection transfer | $5.00 per transfer |
| Non-sufficient funds - each | $35.00 |
| Non-sufficient funds ATM/Debit withdrawal | $35.00 |
| Account activity printout (per request) | $2.00 per month requested |
| Monthly statement copy (printed) | $3.00 per month requested |
| Account research | $30.00 per hour/$.50 per minute |
| Pre-Authorized draft special handling | $10.00 per item |
| Draft printing | (fee depends on style of draft ordered) |
| Account balancing assistance | $20.00 per hour |
| Account closing fee (Draft and Regular Shares) | $3.00 |
| Stop payments - each (Draft or ACH) | $30.00 |
| Deposited item returned | $10.00 per item |
| Service Fees | Amount |
|---|---|
| IRA withdrawal (except required minimum distribution) | $30.00 per withdrawal |
| IRA Required Minimum Distribution | Free |
| IRA Annual Maintenance Fee (Charged 12/31 Each Year) | $30.00 |
| IRA Termination Fee (Closing) | $30.00 |
| Certificate 12 months and less, early withdrawal penalty | 3 months dividends |
| Certificate over 12 months, early withdrawal penalty | 6 months dividends |
| Online Banking Access | Free |
| BillPay standard proof of payment delivered to merchant. (i.e. copy of cancelled check) | $20.00 each |
| BillPay inquiry/research | $20.00 per hour for each |
| BillPay cancellation of each request for payment before disbursement | $20.00 per cancellation |
| BillPay stop payment request | $30.00 per request |
| BillPay non-sufficient fund (Check/ACH) | $30.00 each |
| BillPay returned due to error of subscriber | $30.00 per payment |
| BillPay ACH return fee | $30.00 |
| BillPay letter mailed Express Mail | $30.00 per letter |
| BillPay letter sent to recipient of payment | $30.00 per letter |
| Additional Fees | Amount |
|---|---|
| Document copying (personal information) | $1.00 per page |
| Copy of share draft | $3.00 each |
| Archived copy of share draft | $5.00 each |
| Archived copy of deposited item | $2.00 each |
| Money Orders | $3.00 per item |
| Cashier's checks | $5.00 per item |
| Funds Manager (any withdrawal over three per month) | $10.00 per withdrawal |
| Escheat Fee for State Unclaimed Property | $45.00 |
| Mortgage Subordination | $100.00 |
| Loan late fee | $30.00 after 10 days late |
| Loan Skip-a-Payment fee (1 time per rolling 12 months/per loan) | $40.00 (Restrictions may apply. Call for details.) |
| Returned Mail | $5.00 per piece |
| Notary Service (Members Only) | Free |
| Garnishment (Legal attachment) set up charge | $20.00 |
| Faxing | $2.00 per page |