| |
| 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 |
