| Effective February 1, 2011 |
| General Account Fees: |
|
| New Membership Fee (one time) |
$ 5.00 |
| General Statement Copy |
$5.00 |
| Single Service Fee* (per month) |
$ 10.00 |
| Money Orders (per item) |
$ 1.50 |
| Gift Checks (per check) |
$2.50 |
| Traveler's Checks - 1 Signature (per hundred) |
$ 1.00 |
| Traveler's Checks - 2 Signatures (per hundred) |
$ 1.50 |
| American Express Gift Cards (per card) |
$3.95 |
| Wire Transfers (Incoming) Fee |
$5.00 |
| Wire Transfers (Outgoing) Fee |
$ 20.00 |
| Returned Mail/Bad Address (per occurrence) |
$ 2.00 |
| Official Checks (payable to a third party) (per check) |
$ 2.00 |
| Negative Balance Fee (per day, if more than $5.00 Negative) |
$ 1.50 |
| IRS Levy/Garnishment (per notice) |
$ 30.00 |
| Account Activity Printout (per request) |
$ 2.00 |
| Notary Fee - free for members (for non-members) |
$ 10.00 |
| On-us Check Cashing - non-members (per check) |
$ 2.00 |
| Account Research (per hour/1 hour minimum) |
$ 15.00 |
| Account Balancing Assistance (per hour/1 hour minimum) |
$ 15.00 |
| Inactive Account Fee** (per month) |
$ 5.00 |
| Account Closed within 180 Days of Opening |
$ 25.00 |
| Returned Item (1st Party) |
$ 25.00 |
| Returned Item (2nd Party) |
$ 15.00 |
| Loan Late Payment Fee*** |
$ 20.00 |
| Federal Express Overnight Fee |
$35.00 |
| Incoming Collection |
COST OF COLLECTION |
| Outgoing Collection |
COST OF COLLECTION |
| Reopen a closed share account |
$25.00 |
| Outgoing Western Union |
$20.00 |
| Mortgage Satisfaction |
$10.00 |
| Mortgage Payoff (per request) |
$5.00 |
| Mortgage Subordination |
$25.00
|
| Electronic Title |
$4.50
|
| Fees Applicable to Checking Accounts |
|
| Copy of a Paid Check (per check) FREE ONLINE |
$ 5.00 |
| ONLINE BILL PAYMENT**** |
No Charge |
| Insufficient Funds Fee (ACH, Check, ATM, Debit card, Bill Pay |
$ 29.00 |
| Stop Payment Fee (includes range) (per item) (includes stops on bill payment) |
$ 25.00 |
| ACH Stop Payment (pre-authorization withdrawal) (per item) |
$ 25.00 |
| Check Printing.........Price varies with style selection |
Varies |
| Overdraft Protection Transfer (Check, ACH, ATM, Debit, Bill Pay)- does not include an overdraft transfer from a line of credit or a visa credit card |
$ 2.00 |
| Paid NSF (ACH, Check, Bill Pay, Debit Card) per item |
$29.00 |
| Online Copy of Paid Check |
No Charge |
| Merchant Return (Bill Pay) |
$5.00 |
| Bill Payment Inactive Fee (monthly)***** |
$5.95 |
| Temporary Checks (other than new account) (per check) |
$ 0.25 |
| VISA Check Card Fees |
|
| ATM Transaction at ATM's we do not own other than PRESTO (per transaction) |
$ 1.00 |
| Debit NSF Transaction (POS, ATM) (per occurrence) |
$ 29.00 |
| Overdraft Protection Transfer (POS, ATM) |
$ 2.00 |
| Card Replacement Fee (each) |
$10.00 |
| Pin Change at ATM |
No Charge |
| Pin Replacement Fee (each occurrence) |
$ 2.00 |
| POS transaction with a PIN |
$ 1.00 |
| VISA Credit Card Fees |
|
| VISA Cash Advances - non-members (per advances) |
$ 5.00 |
| VISA Late Payment Fee*** |
$ 20.00 |
| Insufficient Funds |
$ 29.00 |
| Card Replacement Fee (per occurrence) |
$ 10.00 |
| Statement Copy Fee |
$ 5.00 |
|
* Single service fee is waived under the following circumstances; member is under age 18, member is over age 60;
account has been open less than 6 months; account has balance over $200.00 or member has another service
with FWCCU (ex. Checking, loan, credit card, etc.)
** Account has had no activity in any suffixes for 12 months or greater and aggregate balance is less than $1,000.00
*** If payment is 10 or more days past due
****Online Bill Pay is free to all members that have full direct deposit and a checking account or loan and/or deposit balances of $15000.00 or more. If you do not meet these requirements bill pay is $5.95 per month and all payments over 6 will be $.50 per payment.
*****Must pay at least one bill per month to receive the service free of charge.
|
