FEES
| FAMILY SECURITY CREDIT UNION FEE SCHEDULE EFFECTIVE FEBRUARY 2016 | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Account Closing Fee (Within 90 days of opening) | $15.00 | ||||||||
| Account History Mini Statement (Up to 45 days; Excludes members 50 & older) | $2.00 | ||||||||
| Account Research | $15.00 per hour | ||||||||
| CARFAX | $15.00 | ||||||||
| Cashier’s Checks (Excludes members age 50 & older) | $3.00 | ||||||||
| Checking Accounts | |||||||||
| Checking | No Charge | ||||||||
| Give Me A Break | $10.00 per month | ||||||||
| Non-Profit | No Charge | ||||||||
| Business Checking Account | $10.00 per month | ||||||||
| Check Cashing Fee (Without compensating balance) | 1% of check amount | ||||||||
| Check Copies thru myfscu.com | No Charge | ||||||||
| Check Copies thru FSCU employee | $3.00 each | ||||||||
| Collection Items (Replacing NSF Checks) | $5.00 | ||||||||
| Deposited Item Returned | $5.00 | ||||||||
| Dormant Account Fee (Mail undeliverable & 1 year without financial activity) | $10.00 per month | ||||||||
| Express Mail Delivery Fee | $25.00 | ||||||||
| Inactive Member (after 1 year without financial activity & less than $100 on deposit & no other active services (excludes members younger than age 19.) | $10.00 per month | ||||||||
| Late Fee on Delinquent Loans | Greater of $10.00 or 5% of the amount of the scheduled payment up to $100.00 | ||||||||
| Late Fee on VISA Credit Card Accounts | $25.00 | ||||||||
| Levy Fee (Court, Garnishment, IRS, Government or Tax) | $25.00 | ||||||||
| Loan Application Fee (Excludes fully share secured loans, Indirect Loans, Online Internet Loan Applications, and VISA applications. Application fee’s for Real Estate loans are subject to Real Estate Department Guidelines) | $10.00 | ||||||||
| Money Orders | $2.00 each | ||||||||
| Money Servicing Business Accounts | $90.00 per month | ||||||||
| Negative Balance Collection Fee | $15.00 | ||||||||
| NSF/Overdraft (ACH, Checks, Deposited Returned Item, etc.) | $27.00 per item* | ||||||||
| Overdraft Advantage Transfer Fee | $2.00 per transfer | ||||||||
| Overdraft Standard/Extended Privilege Fee | $27.00 per item** | ||||||||
| Overdraft Transfer Fee | $5.00 | ||||||||
| Return Statement Fee | $5.00 | ||||||||
| Safe Deposit Boxes (Annual Rental) |
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| Safe Deposit Box Late Fee | $5.00 per month | ||||||||
| Safe Deposit Box Drill Fee (All Keys Lost) | $150.00 | ||||||||
| Safe Deposit Box Key Replacement (Single Key Lost) | $25.00 | ||||||||
| Statement Copies | $4.00 per statement | ||||||||
| Stop Payments | $27.00 per item | ||||||||
| Telephone Transfers (Excludes members age 50 & older) | $1.00 | ||||||||
| Transfer Fee | $5.00 | ||||||||
| VISA Foreign Transaction Fee | The currency conversion rate which is either (i) the wholesale market rate or (ii) the government mandated rate, whichever is applicable, in effect one day prior to the processing date, increased one-percent or one-percent if the transaction was denominated in US Dollars. | ||||||||
| Wire Transfer Fee - Domestic (Outgoing) | $15.00 | ||||||||
| Wire Transfer Fee - International (Outgoing) | $35.00 | ||||||||
*NSF/Overdraft (ACH, Checks, Bill Pay, etc.) Fee: A fee will be assessed on the initial presentment and any subsequent representment of a transaction.
** Overdraft Standard/Extended Privilege Fee created by checks, in-person withdrawals, ATM withdrawals, Debit Card (recurring debit card payments and everyday debit card purchases), online Bill Pay transactions, ACH (auto debits), and Internet/Telephone/Mobile banking transactions. A fee will be assessed on the initial presentment and any subsequent representment of a transaction. See Overdraft Coverage Disclosure for differences between Standard and Extended Coverage.
Please review our Truth in Savings Disclosure for more information.