Savings Account Fees

Savings Account Low Balance fee (Members 19 and over with balances below $50.00 and no other accounts - assessed monthly fee (2)

$1.00 (2)

Savings Account Abandoned Account fee

$30.00 one time unable to locate (Two (2) Years)

Checking, EFT, Bill Pay, Corporate Check Fees   and ATM Fees

ATM Transaction

$1.00 per transaction per month (6)

Non-Sufficent Funds (NSF) - per item

$25.00

Overdraft Privilege - per item

$25.00

Single Stop Payment fee

$10.00

Group Stop Payment fee

$15.00

Check Printing fee

Prices may vary depending upon style

Check Copy fee

$3.00

Truncation fee

$15.00 per month (5)
$5.00 per month for less than fifty (50)

Business Check Volume fee (3)

items; $15.00 per month for over fifty (50) items or more (5)

Remove single stop payment fee

$10.00

Remove group stop payment fee

$15.00

Zipper bags- non-locking (First bag free for business accounts)

$5.00

Zipper Bags - locking

$30.00

Foreign Draft fee

Current Exhange Rate plus $10.00 US/funds; $10.00 Non-US 

Foreign Currency

Current Exchange Rate

Foreign NSF

$45.00

Member Share Requirement

$5.00

Bill Pay Merchant Return

$10.00

$10 funding fee

Other Service Fees (applicable to all accounts)

Account Reconciliation

$15.00 per hour

Account Research fee

$15.00 per hour, first hour free

Dormant Account fee (Balance less than $175)

$3.00 monthly (7)

Money Order

$1.00 (1), (4)

Travelers Checks (per $100)

$5.00 (1)

Travelers Checks for two

$5.00 (1)

If you deposit a check into an account and that check is returned because the issuer's account has non-sufficient fund (asscessed daily):

2 items of less

$5.00

3 - 4 items

$10.00

5 or more items

$15.00

EFT Stop Payment

$10.00

Bank to Bank Wire

$15.00

If long distance phone calls are required

$20.00

Corporate Checks (each)

$1.00 (1), (4)

Corporate or Personal check copies

$3.00

Long distance phone call made on members behalf

$2.00

Fax:

First Page

$2.00

Each Additional Page

$1.00

Postal Service address change

$1.00

VISA Gift Card fee

$3.95

Gift currency/check envelopes (each)

$ .10

Western Union CMO Domestic

$24.00 Flat rate

International

Wire Amount

$1.00-$500.00

$32.00

$500.01 or more

$54.00

Mexico

Wire Amount

$1.00 - $500.00

$27.00

$500.01 - $1000.00

$54.00

$1000.01 - $2000.00

$45.00

$2000.01 - $5000.00

$60.00

Statement Copy fee

$5.00-$25.00 per copy depending on production costs

Levy/Garnishment

$25.00

Safe Deposit Box Fees

3 x 5 x 22

$25.00

5 x 5 x 22

$45.00

3 x 10 x 22

$50.00

5 x 10 x 22

$60.00

10 x 10 x 22

$90.00

Replacement Key (each)

$15.00

Safe Deposit Box Drilling Fee

$85.00

Rental costs automatically withdrawn out of members accounts in July. Boxes rented during the year are prorated on an individual basis.

Disclosures

(1)  Free for members age 50 or over  
(2)  Excluding Audio Repsonse Teller (ART)  
(3)  Does not include VISA Check or EFT items.  
(4)  Free for disabled members with direct deposit.  
(5)  A $15 maximum fee per account per month for Business Volume or Truncation fees.  
(6)  Members are allowed 5 free non-network ATM transactions per month.  
(7)  A dormant relationship is one where:

(i.) The total held in all accounts owned by the member as of the last day of the month is less that $175.00  
(ii.) Has had no transactions on any account for the past twelve month.  
(iii.) Has no active loan with the credit union

The fees appearing in the Schedule are accurate and effective for accounts as of the Effective Date indicated on this Truth-in-Savings Disclosure.  If you have any questions or require current rate and fee information on your accounts, please call the credit union at 218-625-8500 or 800-296-8871.

Fee Schedule Accurate as of 2-27-2009