| Fee Schedule - Effective February 1, 2007 |
| Below is the fee schedule which sets forth certain fees and charges applicable to your account. The fees appearing in the Schedule are effective as of the date indicated in the Dividend Rate Schedule above. This schedule is incorporated into your Universal Account Agreement with the Credit Union. |
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| Membership Fees |
| Membership Fee |
$5.00 |
| Membership Share |
$5.00 par value |
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| Share and Club Account Fees |
| Minimum Balance Fee |
$5.00 each month the balance goes below the minimum balance |
| Excessive Withdrawal Fee |
$3.00 per withdrawal if more than 3 withdrawals per month |
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| Share Draft & Advantage Member Account Fees |
| NSF Fee |
$30.00 per item |
| Stop Payment Fee |
$15.00 each request |
| ACH Overdraft Fee |
$30.00 per item |
| Share Draft (ckg) start up fee |
$ 5.00 |
| Minimum Balance Fee |
$ 5.00 each month |
| ACH Stop Payment |
$30.00 each request |
| Returned Item Fee |
$10.00 per item |
| Power Pay Fee |
$30.00 |
| Non Member Check Cashing Fee |
3% of the check amount |
| Share Overdraft Transfer Fee |
$ 1.00 (after 3) |
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| Fees Applicable to All Accounts |
| Account Reconciliation Fee |
$25.00 per hour |
| Account Research Fee |
$20.00 per hour |
| Statement Copy Fee |
$ 5.00 per copy |
| Deposited Item Return Fee |
$10.00 per item |
| Account History Fee |
$ 1.00 |
| Wire Transfer (incoming) Fee |
$10.00 per transfer |
| Wire Transfer (outgoing) Fee |
$20.00 per transfer- Domestic
$35.00 per transfer- International |
| Western Union Wire |
$25.00 per transfer- Domestic
(For international wires, the fee is based upon the country and amount) |
| Money Order Fee |
$ 2.00 per money order |
| Travelers Check Fee |
$1.00 per 100 |
| Bill Pay Inactivity Fee |
$5.00 (after 6 months) |
| Inactive Account Fee |
$ 5.00 per month after 1 year |
| Account Closure Fee |
$25.00 if closed within 90 days |
| Copy Check Fee |
$ 3.00 each copy / $10 rush |
| New ATM Card Fee |
$ 5.00 each |
| Replace ATM Card Fee |
$ 5.00 each |
| Certified Check |
$3.00 |
| Teller Check |
$ 5.00 each |
| Stop Payment on Teller Checks |
$25.00 each |
| Guaranteed Signature |
$15.00 |
| Notary Service |
$ 5.00 |
| Foreign Check Collection Fee |
$ 10.00 |
| Collection items (domestic) |
$ 10.00 |
| Locate/Incorrect Address Fee |
$ 5.00 |
| Lien Recording Fee |
$ 28.75 |
| Voucher Copy |
$ 5.00 |
| Teller Check Copy |
$ 10.00 |
| Levy & Writ Fee |
$ 20.00 |
| Garnishment Fee |
$ 5.00 |
| Verification of Deposit Fee |
$ 10.00 |
| Uncollected Funds |
$ 30.00 |
| Loan Late Payment Fee |
20% of payment. Minimum $1.00 not to exceed $ 25.00 |
| Loan Modification Fee |
$ 25.00 |
| Mortgage Modification Fee |
$250.00 |
| Loan Application Fee |
$ 5.00 |
| Home Mortgage Application Fee |
$ 20.00 |
| Over Limit of Credit Card |
$ 20.00 |
| Late Payment Credit Card Fee |
$ 20.00 |
| Credit Card Return Payment Fee |
$ 10.00 |
| Copy of Sales Receipt |
$ 5.00 |
| Copy of Credit Card Statement |
$ 3.00 |
| Credit Card Cash Advance Non-Member |
$ 5.00 |
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| Electronic Funds Transfer Fees |
| Non CU-24 ATM Transactions |
$ 1.50 per transaction |
| Balance Inquiry |
$ 1.50 per inquiry |
| ATM Overdraft Fee |
$30.00 per item |
| Bill Payer |
$ 5.95 per month |
| Reissue Restricted Card |
$ 10.00 |
| ATM Depository Adjustments |
$ 3.00 |
| ATM Returned Item |
$10.00 per item |
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| Safe Deposit Box Fees |
Annual Rent |
| 3 x5 |
$30.00 |
| 3 x 10 |
$45.00 |
| 5 x 10 |
$70.00 |
| 10 x 10 |
$90.00 |
| Key Deposit Fee |
$ 10.00 |
| Drilling of Box Fee |
Market Price |
| Key Replacement Fee |
$ 10.00 |
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| Debit Card Fees |
| Replacement Card |
$ 5.00 per card |
| Insufficient Funds Fee |
$30.00 each occurrence |
| Copy of Sales Draft |
$ 5.00 each copy |
| Reissue Restricted Card |
$10.00 |
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| Business Share Draft Account Fees |
| Business Account Service Fee |
$10.00 |
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| Money Market Account Fees |
| Minimum Balance Fee |
$ 5.00 |
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| Check Costs |
| The costs of the share drafts vary depending on the quantity and style chosen. For additional information on the costs and availability of share draft forms, please contact one of our account representatives. |
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| Advantage Member Account Benefits |
| Free Checking (no minimum balance, no monthly fee, no per check charges) |
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| Free Use of Publix and CU 24 ATM s |
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| Quarter of a Percent Discount on Your Next Approved Loan* |
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| Free Travelers Checks and Free Cashiers Checks |
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| * Loan Discounts apply to the first new loan approved on the Advantage Member Account. |
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