Fees

Untitled Document

Fee Schedule
SAVINGS ACCOUNT FEES
Holiday Club Account Early Withdrawal/Closure Fee	$15.00 each (prior to maturity)
Holiday Club Account Re-Opening Fee	$5.00 each time account is closed and re-opened prior to maturity
Vacation Club Account	$15.00 penalty each withdrawal after 4
Money Market Account Excessive Withdrawal Fee	$10.00 per withdrawal if more than 3 withdrawals per month
Share/Savings Re-Opening Fee	$10.00 each time
Share/Savings Excessive Withdrawal Fee	$1.00 per withdrawal if more than 4 withdrawals per month
Share Low Balance (Basic Savings and Youth Savings)	$5.00 per month if minimum average monthly balance of $100 not maintained (waived if under age 18 or over age 55. New members have 90 days to bring the balance up to $100)
Third Party Check Pay	$2.00 each check
Non-Sufficient Funds (NSF) Transfer From Savings Fee	$5.00 each time
CHECKING ACCOUNT FEES
Check Printing Fee (Harland Clarke)	Prices may vary depending on style (S.M.A.R.T. Club checks free - 1 box semi-annually)
Copy of Check Fee	$2.00 each time
Deposited Item Return Fee	$10.00 per item
Interest Checking Service Fee	$7.00 per month if $500 minimum checking balance is not maintained
Non-Sufficient Funds (NSF) Fee	$30.00 per returned item
Non-Sufficient Funds (NSF) Paid Item Fee	$30.00 per paid item
Courtesy Pay Fee	$30.00 per item
Stop Payment Fee ACH/Checking/ Bill Pay	$30.00 per request
ACH Non-Sufficient Funds (NSF) Fee	$30.00 per item
Account Re-Open	$10.00 each time
Temporary Checks Fee	$0.20 each (waived for new accounts and S.M.A.R.T. Club)
VISA CREDIT CARD FEES
5% Over Credit Limit	$15.00
Late Charge Fee (Past 10 days)	$25.00
Non-Sufficient Funds (NSF) Fee for Credit Card Payment	$25.00 each
OTHER SERVICE FEES (For all other accounts)
Account Reconciliation Fee	$30.00 per hour
Account Research Fee	$30.00 per hour
Check Cashing (Non-Member) Fee	$5.00 per check
Certified Check (Member) Fee	$5.00 per check (waived for S.M.A.R.T. Club)
Certified Check (Non-Member - on us) Fee	$10.00 per check
Deposited Item Return Fee	$10.00 per item
Dormant Account Fee	$5.00 per quarter after 2 years
Fax Service, Personal (Long Distance) Fee	$2.00 per page (waived for S.M.A.R.T. Club)
Items Sent for Collection Fee	$10.00 per item
Legal Process Fee	$50.00 each time
Money Order Fee	$5.00 each
Photocopy of CU-Issued Check Fee	$2.00 each
Returned Mail Fee	$5.00 each time
Signature Guarantee	$15.00 each
Statement Copy (Additional) Fee	$5.00 per copy
Shared Branching Fee	$1.00 per transaction after 6
Plastic Card Replacement Fee	$20.00 each time
PIN Replacement Fee	$5.00 each time
Wire Transfer (International) Fee	$40.00 per transfer
Wire Transfer (Outgoing) Fee	$20.00 per transfer
Wire Transfer (Western Union) Fee	$20.00 per transfer
Non-Sufficient Funds (NSF) Fee	$30.00 per item
VISA Gift Card Activation Fee	$3.00 per card
VISA Travel Card Purchase & Processing Fee	$9.95 per card (waived for S.M.A.R.T. Club)
VISA Travel Card Reload Fee	$5.00 each time
VISA Travel Card Balance Inquiries Fee	$1.50 at an ATM (online inquiries are FREE)
VISA Travel Card Cash Withdrawal Fee from Visa ATMs Domestic & International, respectively	$1.50 + ATM Surcharge of $2.00 + ATM Surcharge
ELECTRONIC FUNDS TRANSFER FEES
ATM Card Fee	$10.00 each year
Microfilm Development of VISA Sales Draft Fee	$2.00 each
Non-Proprietary ATM Withdrawal/ Transfer Fee	$1.00 each after 6 ATM withdrawals in a month at no charge
“Rush” Order on Plastic Fee	$25.00 per order
“Rush” Order on PIN Number Fee	$25.00 per order
Non-Sufficient Funds (NSF) Fee	$30.00 per item
ATM Deposit Correction Fee	$2.00 per item
ATM/Service Center Returned Item	$6.00 per item
ATM Empty Envelope Deposit Fee	$30.00 each
SAFE DEPOSIT BOX FEES (GRAND JUNCTION BRANCH ONLY)
Annual Rental	3”x5” 3”x10” 5”x10” 10”x10”	$29.00 per year $49.00 per year $49.00 per year $99.00 per year
Change of Lock/Keys	$10.00 per time
Drilling of Box Fee	Paid directly to drilling service
Late Fee	$20.00 at 30 days past due
LOAN PRODUCT FEES
Late Payment Fee	$25.00 at 15 days past due
Loan Re-Application Fee	$15.00 (expires after 3 months)
Subordination Fee	$150.00 per request
CREDIT UNION MEMBERSHIP - NO FEE!
*Fees in effect as of January 1, 2011. Subject to change at any time. S.M.A.R.T. Club is the special program for members age 55+ who keep at least $2,000 in loan or deposit account.