Fee Schedule
SAVING ACCOUNTS
Membership Fee (Regular/ Bonus)
Membership Fee (Youth Savers)
Account reopen fee (within 6 month of closure)
Counter cash withdrawal (that could be done at ATM)- exclude Money Market Account
Courtesy Pay- exclude Money Market Account
Early account closure (less than 6 month)
Withdrawal over 2 per month
Dormant savings account (no activity on any suffix 2+years)
Low Balance fee
(savings <$100, no other services)
MONEY MARKET ACCOUNT
Monthly fee (average balance under $2500)
Withdrawal (first 3 are free)
CHECKING ACCOUNTS
Courtesy Pay
Draft clearing inquiry (at counter or by phone)
Draft clearing inquiry (Tellerline/ PC Tellerline)
Paid Check Copy (first 2 free per month)
Stop payment (draft/ACH/ pre-authorized pymt)
Third party check withdrawal
ACCESS CHECKING
Counter cash withdrawal (that could be done at ATM)
VALUE ADVANTAGE CHECKING
Monthly fee (average balance under $750.00)
Overdraft share transfer
Counter cash withdrawal (that could be done at ATM)
Overdraft loan transfer
VIP CHECKING
Monthly fee (combined balances < $40,000)
Overdraft share transfer
Overdraft loan transfer
SENIOR CLASS CHECKING
Monthly fee (direct deposit < $250)
Counter cash withdrawal (that could be done at ATM)
AUTOMATED SERVICES
24 Hour Telephone Banking (Tellerline)
Online Access (PC Tellerline)
Bill Payment (Checking account only)
Copy of bill payment draft
INDIVIDUAL RETIREMENT ACCOUNT (IRA)
IRA closing (under age 59 1/2)
IRA Enrollment
MISCELLANEOUS SERVICES
Account Balancing
Account Research (incl. deposit verification)
ATM Surcharge (non- Co-Op card)
Cashier Check
Check cashing/ Deposit Less Cash-
exclude members with aggregate
account balances > $500
Duplicate member ID card
Duplicate statement/ account history
Fedex (Inside California)
Fedex (Outside California)
Image copy of CU check (first 2 free per month)
Legal document processing (tax lien, judgment, levy)
Locator fee (aggregate annual)
Missing/Bad Address 2 statement cycles
Vehicle Impound Processing
$10
$5
$10
$5
$28
$10
$3
$5
$10
$3
$28
$1
Free
$3
$18
$3
$3
$10
$7.50
$2
$10
$20
$7.50
$10
$7
$1
Free
Free
Free
$25
$25
$10
$20/hr
$25/hr
$3
$7
$5 or 2%,
whichever
is more
$1
$2.50
$30
$50
$3
$30
$10$3/month
$50
ATM/VISA CARDS (CREDIT/DEBIT)
There are 6 free ATM transactions provided on all checking accounts. The seventh or subsequent foreign transactions bear the following fees:
Foreign withdrawal
Foreign deposit
Visa Annual Fee (annual charges < $1000)
Visa Late Fee
Visa Over Limit Fee
Copy of credit sales slip
Merchant fee for card capture (plus recovery cost)
NSF Visa payment
On-station ATM withdrawal
Point of Sale
Reissue lost ATM card (fee increases by $5.00 for each subsequent replacement)
Reissue lost Visa/ Debit card (fee increases by $10.00 for each subsequent replacement)
Reissue PIN
Rush Order of Credit/ Debit card
Visa International fee
Visa Instant temporary limit increase
Balance transfers (by phone or via access checks)
Undeliverable mail (statement, card)
LOANS
Carfax report (consolidated)
Carfax report (detailed)
Consumer loan extension
Demand/Payoff Request
Demand Fee Update
Loan Cancellation (after loan document is drawn)
Phone/over the counter line of credit advance
Reconveyance Fee
Repeat Loan application (1 year period)
Subordination fee
TD Advance to pay taxes
Unsecured LOC annual non usage fee
Verification of deposit
Loan Modification Fee
STOP PAYMENT FEE
Stop payment (draft/ACH/ pre-authorized pymt)
Stop payment on CU corporate check
Stop payment (online billpay)
REJECTED/ RETURNED/ RESUBMITTED ITEMS
Deposit/Payment returned/ resubmitted-3rd party
Deposit/Payment returned/ resubmitted-member drawn
Empty ATM envelope deposit
Foreign ATM deposit returned
Foreign check deposit subject to collection
Foreign check deposit subject to conversion to US dollars
NSF/ uncollected funds overdraft (draft, ACH, ATM)
MISCELLANEOUS SERVICES (CONT.)
Money orders
Notary Fee
Phone withdrawal/ transfer request
Deposit, withdrawal, and balance inquiry at counter/by phone
Signature Guarantee
Temporary checks
Wire Transfer (Domestic)- 2 Free for VIP Checking per month
Wire Transfer (International)- 2 Free for VIP Checking per month
Coin deposit (more than 5 rolls) (VIP Checking members excluded)
Incoming Wire Transfer-2 Free for VIP Checking per month
Paper Statement Fee
$.80
$.75
$15
$28
$28
$15
$65
$28
Free
Free
$5
$5
$2
$20
1%
$25
1% or $7.50
$4
$10
$25
$25
$50
$15
$25
$10
$100
$40
$100
$50
$35
$25
1% of balance
$18
$25
$25
$10
$28
$28
$10
$28
$18
$28
$2
$10/sig
$3
$3
$10/sig
10 for $5
$25
$35
1% of amount
$10
$3/month
Effective August 1, 2010
A vision of people helping people meet financial needs!
