| Dormant Share
Accounts
(over 2 years with balances less than $100) |
$5.00/month |
| Regular Share Account less
than
Par Value ($100) |
$2.00/month |
| Excessive Withdrawal of
Shares
(over 2 per month) |
$2.00/each |
| Deposited Checks Returned
|
$30.00/each |
| Check Copies (Duplicates) |
$1.00/each |
| Statement Reconciliation
(Assistance per hour) |
$10.00/hr. |
Undeliverable/Returned Mail |
$3.00 |
Member Privilege |
$30.00/item |
| Overdraft Charges |
$30.00/draft |
Transfer of Funds Request
Automatic (Regular Shares)
Manual |
$1.00
$2.00
|
Duplicate Title Release (Home Equity) |
$20.00 |
Subordination Agreement (Home Equity) |
$50.00 |
Garnishments, Levies, Liens
Processing |
$50.00/item |
Check Copies Returned (Share
Drafts) |
$.10 per check |
Copies of Credit Union Checks
|
$2.00 |
Copies of Share Drafts |
$1.00 |
Christmas Club Closing Balance
if
less than $100.00 at maturity |
$5.00 |
Christmas Club Withdrawals
prior to maturity |
$5.00 |
Excessive Withdrawals from
IRA Accounts
(more than 1 per year prior to age 591/2) |
$10.00 |
Cut off Statements
(Copies per month of coverage) |
$1.00 |
Check Holds |
See Reg. CC Schedule
for check hold policies |
Stop Payments/Member Checks
|
$15.00/each |
Stop Payment on Credit Union
Checks |
$20.00/each |
Checks Presented for Special
Collection |
$15.00 |
Withdrawal From Share Draft
Accounts
by Credit Union Check |
$2.00 |
Money Market Withdrawal (over 2 per month) |
$5.00 |
Online Banking Monthly Fee |
$6.00 |
Account Research Fee |
$10.00/hour |
ATM Replacement Card |
$5.00 |
ATM Card Replacement PIN
Number |
$3.00 |
ATMTransactions (Foreign) |
$1.00/transaction |
ATM Foreign Balance Inquires |
$.75/transaction |
Loan Late Fee |
$30.00 after 15 days |
ACH (Returns/Share Draft Returns) |
$30.00 |
Wire Transfers (Domestic)
Foreign |
$20.00
$50.00 |
Tax Return Electronically
Processed |
Call for fee |
It
is the intent of your Board of Directors to provide as many financial
services as possible fee-free or at minimal cost. Over the years
DCT FCU has done just that — providing many services free
to the entire membership when banks and other profit-oriented financial
institutions were assessing charges.
In order to use your Credit Union
to your best advantage, you should be aware of those services that
do require additional fees (listed above). As you will note, most
fees are for unusual use or misuse of accounts where maintenance
costs are excessive. Use your Credit Union for all your financial
needs and you’ll find it a money-saving and rewarding money-making
experience!
