First Choice Credit Union
Schedule of Fees |
| Share (Savings) |
|
| Open new share account |
$1.00 |
| Phone Transfers |
$2.00/ea. |
| Mailed Checks (share withdrawals) |
$2.00/ea. |
| Close share account within 90 days of opening |
$25.00 |
| Close account to remove joint owner (involving any other related accounts) |
$25.00 |
| Statement photocopies |
$1.00 per page |
| Interim statement printouts |
$1.00 per page |
| Writs of Garnishment |
$25.00/ea. |
| Reopen account within 6 months |
$15.00 |
| Reopen account within 6 months involving other related accounts. |
$25.00 |
|
Single Service Fee (Charged to Share accounts below $100.00 with no other deposit account or loan/MasterCard account. Children accounts under 18 years of age will not be charged) |
$3.00/mo |
| Checking Accounts |
|
|
Below minimum balance fee
Value Plus ($500)
Premiere ($1,500)
High Yield ($10,000) |
$5.00/mo.
$10.00/mo.
$10.00/mo. |
| Stop Payment |
$20.00/ea. |
| Cancel Stop Payment |
$5.00/ea. |
| NSF (non-sufficient funds) |
$29.00/ea. |
| Paid NSF |
$29.00/ea. |
| Negative Balance fee |
$29.00/ea. |
| Deposited item returned |
$10.00/ea. |
| Check Overdraft Fee - Value and Value Plus Checking |
$2.00/ea. |
| Statement printouts/Photocopies |
$1.00 per page |
| Draft photocopies |
$2.00/ea. |
| Writs of Garnishment |
$25.00/ea. |
| Reconciling account ($5.00 minimum) |
$10.00 per hour |
| Collection fee |
$10.00/item |
| Check printing |
Varies with each style |
| Inactive Bill Pay fee |
$5.00 /mo. |
| Money Market |
|
Below minimum balance
Money Market
Super Money Market |
$5.00/mo.
$15.00/mo |
| Individual Retirement Accounts |
|
| Close, transfer or rollover |
$25.00 |
Certificate Accounts
Early withdrawal penalties |
|
| 3 and 6 month certificates |
90 days interest |
| Over 6 month certificates |
180 days interest |
| Dormant Accounts |
|
| Balances below $100 with no other deposit/loan or Mastercard account and no member activity for 12 months. |
$5.00/mo. |
Wires
Please click here for our wire instructions. |
|
Incoming
|
$7.50/ea. - $40.00/ea |
| Outgoing Wire transfers |
$20.00/ea. |
| International wire |
$40.00/ea. |
| Automated Teller Machines (ATM) |
|
| Replacement or additional cards |
$5.00/ea. |
| PIN replacement |
$2.00/ea. |
Transfers,Inquiries
(Can be done at no charge using CU@HOME online banking or with CALL 24) |
$1.00/ea. |
Cash Withdrawals
|
Value Plus Checking 4 free/month
Premiere Checking 7 free/month
$1.00 ea. Thereafter |
| Withdrawals (Members with a Share Account and no Checking) |
$1.00/ea. |
| Withdrawals at First Choice Credit Union Owned ATM's and select locations |
No Charge |
| MASTERCARD |
|
Cash Advance
(Mastercard/VISA Credit/Debit) |
$1.00 minimum or 3% not to exceed $10.00 |
| Foreign transaction fee |
1.00% of transaction |
| VISA |
|
| Currency Conversion fee |
1.00% of transaction |
| Other Fees |
|
| Money Orders |
$2.00/ea. |
| Official Checks |
$2.00/ea. |
| Travelers Cheques |
$1.00 per $100 |
| Gift Cheques |
$2.50/ea. |
| Returned Mail |
$5.00/mo. |
| ACH NSF |
$29.00/ea. |
| Stop payment/Official check |
$20.00/ea. |
| Photocopy of Official checks |
$10.00/ea. |
| Account Research ($5.00 minimum) |
$10.00/hr. |
| Photocopies |
$1.00 per page |
| Foreign Collection fee |
$10.00-$25.00 |
| Phone Collection fee |
$10.00 per payment |
| Unfunded Account Fee |
$51.00 |
| Return Deposit Fee |
$30.00 |
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| All fees are subject to change. |
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| Effective May 14, 2007 |
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