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This Fee Schedule is for all accounts and sets forth conditions, fees, and charges applicable to your accounts with us.
| Checking Account Fees | |
|---|---|
| Relationship Checking | $10 per month if direct deposit is not maintained OR $25,000 average monthly aggregate deposit and loan balance is not maintained |
| Plu$ Checking | $10 per month if average monthly balance falls below $7,500 |
| Nonsufficient funds fee (NSF) | $0 per item |
| Courtesy pay fee | $25 per item; if the balance is negative $30.01 or more |
| Check copies - rush order | 2 free per month + FedEx costs, then $2 per copy + FedEx costs |
| Check orders | Varies depending on style |
| Foreign ATM/debit card transaction* *Includes point of sale, online and ATM transactions - including online or in person purchases made within the U.S. but where the merchant processes the transaction outside the U.S. |
Percentage of transaction amount: 0.8% (no currency conversion); 1% (currency conversion required) |
| Fees Applicable to All Accounts | |
|---|---|
| Foreign check deposit | $1 to $25 per item |
| Stop payments | $20 per stop |
| Notary - member with non-PSCU document | $15 per signature |
| Signature guarantee | $10 each |
| Bad address (returned mail) | $5 per occurrence |
| Verification of deposit | $10 each |
| Account research or check reconciliation | $20 per hour, 1 hour minimum |
| Express mail/rush/overnight request | $15 each or actual costs, if higher (e.g. Saturday delivery) |
| Copy of third-party cashier's checks | $2 per copy |
| Copy of credit / debit card receipt | $10 each |
| Low balance fee | $5 per month on savings accounts of less than $100; fee may be waived if you have another account in good standing |
| Outgoing wire fee | $20 per wire |
| Incoming wire fee | $10 per wire; fee waived with Relationship Checking account |
| IRA transferred to another institution | $25 per transfer |
| Levies, IRS levies, withholding, judgment or legal order | $20 per order or as permitted by law |
| Subpoenas | $20 per order or as permitted by law |
| Escheatment notification | $2 per notice |
| Consumer Lending Fees | |
|---|---|
| Refinance to reduce loan rate | $200 each refinance |
| Consumer loan late charge | 5% of the monthly loan payment amount |
| Visa late charge | Up to $10 each |
| Skip-a-Loan payment | $25 per request |
| Real Estate Fees | |
|---|---|
| First mortgage processing | $450 each |
| First mortgage underwriting | $650 each |
| Mortgage Funding | $100 |
| Deed of reconveyance/recording | $188 |
| Subordination | $125 per loan |
| Verification of mortgage | $10 each |
| Demand for payoff | $30 per demand |
| Redraw document fee | $50 each |
| Real estate additional fax | $10 each |
| Refinance to reduce home equity loan/LOC rate |
$300 for loans up to $250,000; $500 for loans over $250,000 |
| Refinance fee for home equity loan/line under $25,000 add-on or within two years of opening | $200 + actual third party costs |
| Early closure fee for home equity loan/line within two years of opening | $100 + actual third party costs |
| Home loan market rate reduction | 0.50% of the loan balance for the first mortgages, with a minimum of $750, and a maximum of $1,500 |
