Effective: May 15, 2023
| ATM and Visa Check Card | Fee |
|---|---|
| ACFCU ATM and Participating Allpoint ATM Surcharge Fee | Free |
| NON-ACFCU or NON-Participating Allpoint ATM Surcharge Fee (Above Includes Withdrawals, Inquiries, Transfers) | $1.00 per Transaction |
| Point-Of-Sale (DEBIT or POS Transaction) Fee | $0.25 per Transaction |
| Card Replacement Fee | $5.00 |
| PIN Reminder Fee | $3.00 |
| Overnight Delivery Visa Card per card (Pass-Through Cost) | $60.00 or current rate in effect |
| Overnight Delivery Visa Card PIN per PIN (Pass-Through Cost) | $60.00 or current rate in effect |
| Research Fee | $20.00 per Hour (1 Hour Minimum) |
| Research Fee | $20.00 per Hour (1 Hour Minimum) |
| Visa Gift Card | $3.50 per card |
| All Shares and Share Draft Checking Accounts | Fee |
|---|---|
| Automatic Overdraft Transfer From Savings* | $5.00 per Presentment |
| Automatic Overdraft Transfer From Money Market or Club Accounts | NOT ALLOWED |
| Advances From Overdraft Line of Credit Fee* | $5.00 per Advance |
| Non Sufficient Funds Fee (NSF Fee)* | $25.00 per Presentment |
| Courtesy Pay Fee* | $25.00 per Presentment |
| Uncollected Funds Fee* | $25.00 per Presentment |
| Deposited Item Returned (Return Check Fee)* | $15.00 per Presentment |
| *Includes ACH, Share Draft, ATM, or Debit Card transactions. Opt-In required for Courtesy Pay on ATM or Debit Card transactions. | |
| Stop Payment Fee | $15.00 Per Item |
| Stop Payment Fee - Block of Checks | $35.00 per Block |
| Tax Club Withdrawal Fee (Withdrawal Fee only assessed for Withdrawals other than for Taxes or Homeowners Insurance) |
$25.00 |
| Account Closure Fee (Account Closure Fee only assessed if account is closed within 90 days of when it was opened) |
$5.00 |
| Online Bill Pay Inactivity Fee | $5.00 per month (if inactive 90 days or more) |
| Individual Retirement Accounts (IRA) | Fee |
|---|---|
| IRA Closure / IRA Transfer Fee | $25.00 per closure or transfer |
| Research Requests | Fee |
|---|---|
| Statement Copies | $2.00 per Statement |
| Check Copies | $2.00 per Check / $5.00 per check if older than one year |
| Account Reconciliation | $20.00 per Hour (1 Hour Minimum) |
| Account History Copy (Computer Printout) | $2.00 per Occurrence |
| Miscellaneous | Fee |
|---|---|
| Non-Member Check Cashing (Charged to Non-Member Cashing ACFCU Check) | $5.00 per Check |
| Money Orders | $2.00 Each |
| Credit Union Checks Payable to a Third Party |
$1.00 Each Fee waived for Tax Club withdrawals by check to pay taxes. |
| Wire Transfers - Outgoing |
$15.00 |
| Notary Service | No Fee |
| Dormant/Inactive Account Fee (Regular Share Balances below $500.00) (Dormant/Inactive Account Fee Waived for Members Under Age 18 and Over Age 65) |
$15.00 per Month (After 1 Year of Account Inactivity) |
| Dormant Account / Escheat Processing Fee | $5.00 |
| Mail Handling / Return Mail Fee | $5.00 |
| Legal Services / Orders | $50.00 |
| Check Protest Fee | $15.00 |
| Loan Modification Fee (May Request After One Year's Worth of Payments) |
$250.00 |
| Loan Subordination Fee | $250.00 |
| Mortgage Discharge Fee | $50.50 or current municipal rate in effect |
| Mortgage Discharge Replacement Fee | $25.00 |
| Loan Coupon Book (Per Book) | $25.00 |
| Lien Release Copy | $10.00 |
| Non-Member Check Cashing Fee | $5.00 per item to cash checks drawn off the credit union or member share drafts drawn of of member share draft accounts. |
