Schedule of Fees
| SAVINGS ACCOUNT | |||||
|---|---|---|---|---|---|
| Membership Fees | No Charge | ||||
| Holiday Saver Account Early Withdraw Penalty | $30.00 | ||||
| Summer Saver Account Early Withdraw Penalty | $30.00 | ||||
| CHECKING ACCOUNT | |||||
|---|---|---|---|---|---|
| Regular Checking Account (Monthly Service Charge. Exceptions: Under 18 and over 62 or where the balance doesn't fall below $500 at any time during the cycle from the 15th to the 15th of each month.) |
$5.00 | ||||
| Loyalty Checking Account 1 (No Monthly Service Charge or minimum balance required with Direct Deposit.) |
No Charge | ||||
| Business Checking Account (Monthly Service Charge) |
$20.00 | ||||
| Opportunity Checking Account (Monthly Service Charge) |
$10.00 | ||||
| Non-Member Check Cashing (on-us/Official) |
$10.00 | ||||
| Counter Checks (Each. Exception: First 5 free with new checking account) |
$5.00 | ||||
| Nonsufficient Funds Check (NSF) or NSF Preauthorized Payment | $33.00 | ||||
| Overdraft Privilege | $33.00 | ||||
| EFT and ACH Non-Sufficient Funds | $33.00 | ||||
| Uncollected Funds Fee | $33.00 | ||||
| Stop Payment (Per Item) |
$25.00 | ||||
| Copies of paid items | $3.00 | ||||
| Overdraft Protection from Shares (Maximum of six transfers per month) |
$3.00 | ||||
| Printout of Activity on Account (Per Request) |
$2.00 | ||||
| Returned Deposit Check Fee (Per Check) |
$15.00 | ||||
| Research of Account Charged at the rate of $50.00 per hour with a minimum charge of $25.00 |
$50.00 per hour $25.00 minimum charge |
||||
| AUTOMATIC TELLER MACHINE (ATM) CARD / VISA DEBIT CARD | |||||
|---|---|---|---|---|---|
| Initial Card(s) Cost | No Charge | ||||
| Lost/Stolen/Damaged Card Replacement Fee | $5.00 | ||||
| Special Handling/Overnight Fee | $60.00 | ||||
| FICU ATM Machine | No Charge | ||||
| Empty Envelope Deposit | $25.00 | ||||
| International Service Assessment Fee | 1% of amount | ||||
| IRA ACCOUNT | |||||
|---|---|---|---|---|---|
| Annual Service Fee | No Charge | ||||
| Transfer Fee to Another Institution | No Charge | ||||
| MISCELLANEOUS FEES | |||||
|---|---|---|---|---|---|
| Notary | $10.00 per signature | ||||
| Coin Fee (Business Accounts Only) |
10% of amount | ||||
| Verification of Deposit | $5.00 | ||||
| Statement Copies (Each) |
$5.00 | ||||
| Net Teller / Online Banking (Unlimited Use) |
NO CHARGE | ||||
| Money Orders | $5.00 | ||||
| Outgoing Domestic Wire Transfers | $30.00 | ||||
| Incoming Domestic Wire Transfers | $30.00 | ||||
| International (Outgoing) |
$60.00 | ||||
| Legal Services on Accounts (Levy, attachment, garnishment, etc. Each) |
$50.00 | ||||
| Foreign Item Processing (Per item) |
$30.00 | ||||
| Photocopies of Checks for Deposit (Per check) |
$3.00 | ||||
| Cashier's Check | $8.00 | ||||
| Official Check | $8.00 | ||||
| Returned Mail | $5.00 | ||||
| Escheat Notice In accordance with California State Law, accounts inactive for 3 years will be escheated to the State of California |
$2.00 | ||||
| Non-Member Official Check Exchange | $20.00 | ||||
| LOAN FEES | |||||
|---|---|---|---|---|---|
| Loan Application (Only applies to applications that were denied within a six month period) |
$25.00 | ||||
| FICU Loan Refinance | $50.00 | ||||
| Reconveyance | $75.00 | ||||
| Returned Loan Payment | $25.00 | ||||
| Car Fax | $20.00 | ||||
| Mortgage Origination (Minimum $750.00) |
1% of amount | ||||
| LATE FEES | |||||
|---|---|---|---|---|---|
| Signature Loan | $20.00 | ||||
| Visa | $10.00 | ||||
| Mortgage | 6% of regular payment | ||||
| All other Loans | 5% of regular payment or $25, whichever is greater. | ||||
1Monthly service fee will be waived if there is a recurring direct deposit into the account as stated on the Fee Disclosure. If there is no direct deposit in the account for (60) days or more, the Loyalty Checking Account will convert to a Regular Checking Account.