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Fees

Choice One Community Federal Credit Union Fees Schedule as of June 18, 2008

Fees Associated With:

 
1. ACH
  a. $30.00 Non Sufficient Funds fees for ACH withdrawals
  b. $15.00 Stop Payment fee
 
2. Check Orders
  a. Retirees or *Direct Depositors receive free checks (Foundation Checks Only)
  b. Retirees or Direct Depositors may order maximum of 1 boxes per order
 
3. Delinquent Loans
  a. Delinquent loans turned over for collection will be assessed 20% of unpaid balances on interest and principal plus reasonable attorney fees.
  b. Any fees associated with in house collection efforts (attorney, magistrate, etc.) will be paid by debtor.
  c. Late charges: You will be assessed a $25.00 late fee on all payments 15 days late.
 
4. Home Equity Mortgage Loans
  a. Any fees associated with appraisals are to be paid by the applicant.
 
5. ATM/DEBIT Cards
  a. $1.50 Monthly service fee
  b. $0.75 for any transaction over six per month (POS no limit)
** With direct deposit of net pay or pension Monthly service fee waived, and 10 transactions are included.
With 2 Direct Deposits Service fees waived, and 15 transactions are included.
  c. $2.00 card fee for any additional cards ordered after three.
  d. $30.00 per occurrence for non-sufficient star transactions
  e. $5.00 overdraft transfer fee
 
6. Money Orders
  a. $1.00 per Money Order
  b. $15.00 Stop payment fee
  c. $3.50 Return fee
  d. $2.00 Photocopy request
  e. $3.00 Fax copy of photo request
 
7. Membership
  a. Open and maintain a $5.00 balance in savings account.
  b. $2.00 Close account fee on accounts opened within 6 months
  c. $2.00 Monthly dormancy fee applies to accounts with no activity for over 6 months.
 
8. Remote Funds
  a. $5.00 or $10.00 fee depends on correspondent Credit Unions.
 
9. Returns
  a. $10.00 per item fee for checks drawn on other financial institutions that were cashed or deposited at Choice One Community FCU.
 
 
10. Share/Draft Checking
  a. All fees shall be taken from member's share draft account.
    1. $30.00 Sure 2 Pay
    2. $30.00 Non-Sufficient fund fee
    3. $5.00 Overdraft (money transferred from savings to cover draft)
    4. $15.00 Stop payment fee
    5. $15.00 Stop payment for lost or stolen checkbooks
    6. $2.00 per check copy
    7. $4.00 per check copy faxed
 
11. Statement Copies
  a. Previous and current month history off the computer system - no charge
  b. $1.00 per page from microfiche
  c. $2.00 per page faxed copy from microfiche
 
13. VISA Credit Card
  a. $5.00 Application fee
  b. $10.00 Per item on return payment checks
  c. $25.00 Late payment fee
  d. $10.00 Over the credit limit fee
 
14. Wire Transfer
  a. $15.00 Outgoing wires / International wires $30.00
  b. $20.00 Western Union (within the United States)
  c. $25.00 Western Union International Transfers under $500
  d. $12.00 plus 2% of principal for International transfers over $500
  e. Wires charged to Choice One Community FCU at higher rates than above will be charged accordingly.
     
15. A $25.00 Per Hour fee may be charged for account research or account balancing requests.
     
16. Virtual Branch Account Access FREE / (Bill Payer - FREE **if used regularly)
     
17. Christmas Club early Withdrawal fee $5.00, (January 1st thru September 30th)
     
18. 3rd Party Checks
  a. Corporate Checks or Certified Checks - $3.00 fee each check over second check obtained per month
 
* Single Direct Depositors have choice of free checks (or) no Monthly fee for ATM/DEBIT
** Fees are subject to change without notice

 

Dividend Rates Loan Rates Fees Disclosures

 

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency