| Fees effective as of June 24, 2008 |
| Share Draft Checking |
|
| Non-Sufficient Funds (NSF) |
$25.00 each |
| Paid Overdraft Item (The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check or other electronic means.) |
$25.00 each |
| Overdraft Transfer (from Savings or Hi-Yield) |
$3.00 each |
| Check Stop Payment |
$25.00 each |
| Collection Item Fee |
$25.00 each |
| Check Printing |
Price varies based upon style |
| Check Copy |
$3.00 each |
| Benefits Plus Checking Fee |
$5.95/month |
| Benefits Plus Early Termination Fee (applied if member closes Benefits Plus Account within 6 months of enrollment in Benefits Plus) |
$25.00
|
| BillPay Plus - Paid 4 or more bills per month |
FREE |
| BillPay Plus - Paid less than 4 bills per month |
$3.00/month |
| Account Reconcilement and Research Fee |
$25.00 per hour (minimum $12.50) |
| |
|
| Automated Clearing House (ACH) Transactions |
|
| Non-Sufficient Funds (NSF) |
$25.00 each |
| ACH Stop Payment |
$25.00 each |
| Returned ACH Origination (Returned because of invalid account number, account closed, or NSF.) |
$25.00 each |
| |
|
| Other Fees |
|
| Check Cashing (Fee waived if member has $250 or more on deposit, or has an active loan or VISA, or has an active checking account, or the member is a minor.) |
$3.00 each |
| "Friendship" Check Cashing (Using your account to cash a check made payable to someone else.) |
$3.00 each |
| Money Orders* |
$2.00 each |
| Cashiers Checks* |
$2.00 each |
| *Founders Club members will be charged $1.00 each for Money Orders and Cashier's Checks. |
|
| Returned Deposit or Payment Item (Check or other item deposited or accepted as payment which has been returned by the issuing financial institution.) |
$25.00 each |
| Money Order / Cashiers Check Stop Payment (Restrictions apply.) |
$25.00 each |
| Processing Coin – Loose or rolled (Exempt for up to 5 rolls. Fee waived for the first $200.00 of coin deposits each calendar year.) |
5% of amount
|
| Statement Copy |
$3.00 each |
| Account History (Since last statement.) |
$3.00 each |
| Returned Statement (Statement returned due to invalid address.) |
$3.00 each |
| Dormant Account (Applies to accounts with less than $250 on deposit and no account activity in the previous 12 months. Fee waived for minor accounts.) |
$2.00 per month |
| Membership Termination Fee (If the account balance stays under par value [$5.00] for 45 days, the account will be closed and the fee will be equal to the remaining balance.) |
Balance of account |
| ATM Transactions and Inquiries (Only after 16 per month. Charged to the account of transaction/inquiry at the time of the transaction/inquiry. Purchases [POS transactions] excluded.) |
$1.25 each |
| Telephone Transfers (Only if accessible via ATM, Touch Tone Teller, or HFS.) |
$3.00 each (free to Founders Club members) |
| Replacement ATM, Debit, or Credit Card |
$5.00 each |
| ATM, Debit or Credit Card Foreign Transaction Fee |
|
| If transaction is outside U.S. in foreign currency |
1% of amount |
| If transaction is outside U.S. in U.S. currency |
0.8% of amount |
| Processing an Account Number Change (Member request that requires changing account numbers.) |
$25.00 |
| Reopen Charged-off, Negative-balance Account |
$25.00 |
| Closing an Account within 90 days of opening |
$5.00 |
| Safe Deposit Box Rental (10% off for Founders Club members.) |
|
| 3 x 5 |
$20.00 per year |
| 3 x 10 |
$30.00 per year |
| 5 x 10 |
$40.00 per year |
| 10 x 10 |
$70.00 per year |
| Safe Deposit Box - Replacement Key |
$10.00 each |
| Safe Deposit Box - Drill Fee |
$130.00 each |
| Wire Transfer - Domestic |
$15.00 each |
| Wire Transfer - International |
$30.00 each |
| Credit Union to Credit Union Transfer |
$3.00 each |
| Processing Western Union |
Fee charged by Western Union plus $3.00 |
| Notary Service (Exempt for items directly related to FPFCU transactions) |
$5.00 each |
| Signature Guarantee |
$10.00 each |
| Processing Garnishment, Levy or Court Order |
$40.00 each |
| Verification of Assets/Deposits |
$5.00 each |
| State Lien on Child Support (The lesser of 10% of the lien withholding with a minimum of $40.00 and maximum of $100.00.) |
varies |
| Credit Card Late Fee – if balance is $500 or less |
$15.00 |
| Credit Card Late Fee – if balance is more than $500 |
$29.00 |
| Credit Card Over-the-Limit Fee – if balance is $500 or less |
$15.00 |
| Credit Card Over-the-Limit Fee – if balance is more than $500 |
$29.00 |
| Documentation Fee to Refinance an Existing FPFCU (Exempt if an additional $500 or more is borrowed as part of the refinance.) |
$20.00 each |
| Loan Extension or Postponement |
$25.00 each |
| Lien Perfection |
actual cost |
| UCC-1 Filing |
actual cost |
| Discharge a Mortgage |
actual costs |
| Mortgage Refinance -- less than $10,000 additional money is financed |
$350.00 |
| Mortgage Refinance -- $10,000 or more additional money is financed |
$250.00 |
| Review of Existing Appraisal |
$100.00 |
| Mortgage Subordination Agreement |
$100.00 |
| Mortgage - Waive Escrow Requirement (Requires at least 40% equity.) |
$250.00 |
| Mortgage Closing |
$250.00 |
| |
|
|
Non-Member Fees (These fees do not apply to members.)
|
|
| "On Us" Check Cashing |
$3.00 each |
| "On Us" Check Converted into Cashier's Check ("On Us" Check is a check written on a member's FPFCU account payable to a non-member.) |
$5.00 each |
| Processing Coin (loose or rolled) |
10% of amount |
| Request for Mortgage Payoff Amount (third party request for mortgage payoff amount.) |
$20.00 each |
| ATM Key Error |
$5.00 each |
| ATM, Debit, Credit Card Return (Fee for sending captured ATM, Debit, or Credit Cards back to the originating financial institution.) |
$15.00 each |
| ATM Withdrawal Surcharge (Withdrawal surcharge for cards not issued by Financial Plus or a financial institution participating in the Co-op Network.) |
$1.00 each |
| Verification of Assets/Deposits |
$5.00 each |
| Attorney Work (subpoenas, etc.) |
$70.00 + cost |
