| Schedule of Fees and Charges |
| General Fees |
Effective 6/7/10 |
| Coin Machine- Member |
3% of coin total
|
| Coin Machine- Non-Member |
6% of coin total
|
| Coin Machine- Advantage and Golden Harbor Accounts |
FREE
|
| Credit Union Checks Issued- per check in excess of 1 per day |
$1.00
|
| Credit Union Checks Issued- for stop payment |
$10.00
|
| Credit Union Checks Issued- for copy of original check |
$5.00
|
| Return item (checks,ACH,debitcard,POS,NSF or uncollected funds) |
$23.00
|
| Return deposit item (deposited or cashed), per item |
$23.00
|
| Non Member Check Cashing- $0 - $1000.00 |
$10.00
|
| Non Member Check Cashing- $1000.01 and higher |
1%
|
| Money Order- each |
$3.00
|
| Cashier's Check- per check |
$5.00
|
| Foreign Transaction (out of country purchase) Fee |
1%
|
| Statement Balancing- within the first 2 months/$35.00 per hour thereafter |
$20.00
|
| Audio Response "Telly the Teller" |
No Charge
|
| Homebanking "Harbor Access" |
No Charge
|
| BillPay |
No Charge
|
| Bad Address Fee- 2nd statement, thereafter $1.00 per month |
$5.00
|
| Regular Shares Under $25.00- per quarter |
$5.00
|
| Inactive Fee- (1 year or more inactive),per month |
$5.00
|
| Fax- per page |
$3.00
|
| Copy of Statement- per monthly statement |
$5.00
|
| Signature Guarantee |
$5.00
|
| Notary- per signature for all non Credit Union business |
$10.00
|
| Federal Express Mail (Standard Overnight) |
$25.00
|
| Federal Express Mail (Saturday Delivery) |
$40.00
|
| Walk in Verification of Deposit |
$10.00
|
| Subpoena-Compliance with legal orders, garnishment, execution, levies, ect. |
$30.00
|
| Wire Transfer- Domestic |
$20.00
|
| Wire Transfer- International |
$30.00
|
| Share Accounts |
|
| Membership fee to re-open account within 6 months |
$25.00
|
| Accounts closed within 30 days of opening |
$15.00
|
| Daily cash withdrawal limit $2,000 |
|
| IRA |
|
| Yearly Maintenance |
$10.00
|
| Transfer, closing or withdrawal |
$25.00
|
| American Express Travelers Cheques |
|
| American Express Travelers Cheques |
No charge
|
| American Express Gift Cards- per card |
$3.95
|
| American Express Gift Checks- per check |
$2.00
|
| Checking Accounts (monthly fees) |
|
| Free Checking |
No Charge
|
| Advantage Checking- monthly fee or free with direct deposit or 1,500 min bal. |
$9.00
|
| Golden Harbor- 55+ direct deposit or $1,500 min bal |
No Charge
|
| Check Printing- 1st box of generic checks free for all new checking accounts |
at Cost
|
| Member Privilege- overdraft service (per item) |
$27.00
|
| Temporary Checks |
$4.00
|
| Stop payment thru office |
$20.00
|
| Stop payment thru "telly the teller" |
$15.00
|
| Pre-authorized Stop payment |
$20.00
|
| Copy of original check/ $4.50 for fax |
$3.50
|
| Overdraft transfer from shares in multiples of $50.00 (ACH&Checks) |
$10.00
|
| Overdraft transfer from loan in multiples of $50.00 |
No Charge
|
| Debit & ATM Card |
|
| Replacement ATM/Check Card or pin number |
$7.00
|
| Deposit error at another ATM machine |
$7.00
|
| Empty Deposit ATM Envelope |
$20.00
|
| per ATM denial up to 4th attempt and $5.00 on the 5th attempt and after at all machines |
$0.75
|
| Withdrawals, deposits, transfer (share to share) or balance inquiry at our ATMS |
| First 6 ATM withdrawals, transfers, or balance at foreign ATM machines are free per month |
| use of co-op machines for Advantage and Golden Harbor Accounts |
No Charge
|
| P.O.S. (point of sale) transactions |
$0.25 |
| Loans & Visa® |
|
| Loan-a late charge of 5% of the payment amount will be applied if the payment is made 15 days after due date. |
| Visa Accounts |
No Charge
|
| Late |
$15.00
|
| Retreival |
$4.00
|
| Cash Advance |
$2.00
|
| Visa statement copy |
$5.00
|
| Replacement card |
$7.00
|
