General and Business Membership Fee Schedule
Effective: January 1, 2024
General Membership |
Current Fee |
---|---|
Minimum Membership Share: | $5 |
Account Closure Fee: | $5 if closed within six (6) months |
Inactivity Fee: | $5 per month - After twelve (12) months of inactivity |
General Money Market & Share Excessive Withdrawals (>6 per month)1: | $15 per excessive withdrawal |
General Service | Current Fee |
Stop Payment (ACH and Check): | $32.50 per item |
Account Reconciliation or Research:
|
$30 per hour with 1 hour minimum |
Cashier's Checks: | $4 per check |
Returned Mail Processing:
|
$5 per month |
Statement Copy Fee:
|
$3 per statement |
Garnishment/Levy/Collection Item Fee:
|
$50 per item |
Check or Card Payment by Phone or Online:
|
$15 per payment up to $399.99. Anything above $400 is $25. |
Wire Transfer | Current Fee |
Domestic Wire, Outgoing: | $25 per item |
Domestic Wire, Incoming: | $10 per item |
International Wire, Outgoing: | $50 per item |
International Wire, Incoming : |
$10 per item
|
Non-Sufficient Funds (NSF)/Overdraft
|
Current Fee
|
Privilege Pay Clearing2:
|
$32.50 per item
|
Automated Clearing House (ACH) NSF:
|
$32.50 per presentment
|
NSF Returned Check:
|
$32.50 per presentment
|
Return Deposited Item:
|
$22.50 per item
|
Return Deposited Item Against Self:
|
$32.50 per item
|
Overdraft Transfer From Share:
|
$2.50 per transfer
|
Overdraft Transfer From Loan:
|
No fee
|
Personal Checking
|
Current Fee
|
Temporary Checks:
|
$2 per sheet of four (4)
|
Check Printing Fees:
|
Prices will vary
|
Check Copy Fee:
|
$10 per item
|
ATM and Card Access
|
Current Fee
|
ATM Fee:
|
None – machine fees may apply
|
ATM Deposit Adjustment:
|
$22.50 per item
|
ATM Return Check Fee:
|
$22.50 per item/$32.50 if drawn on self
|
ATM Return Check Fee If Drawn On Self:
|
$32.50 per item
|
Card Replacement Fee:
|
$10 per card
|
Expedited Card Replacement Fee:
|
At Cost
|
Debit Card Privilege Pay Fee2:
|
$32.50 per item
|
Foreign Transaction Fee:
|
1% of the purchase price in addition to the currency exchange rate fee
|
Effective: January 1, 2024
Business Membership
|
Current Fee |
---|---|
Minimum Membership Share: |
$5 |
Account Closure Fee: |
$5 if closed within 6 months |
Inactivity Fee:
|
$5 per month after 12 months of inactivity |
Paper Statement Fee:
|
$10 per statement
|
Excessive Withdrawals (>6 per month): |
$15 per excessive withdrawal
|
General Service | Current Fee |
Stop Payment (ACH and Check): | $32.50 per item |
ACH Origination Fee:
|
$10 per transaction |
Cashier's Checks:
|
$4 per check |
Returned Mail Processing:
|
$5 per month |
Statement Copy Fee:
|
$3 per statement
|
Account Reconciliation or Research:
|
$30 per hour with 1 hour minimum |
Garnish/Levy/Collection Item Fee:
|
$50 per item |
Deposit Item Correction Fee:
|
$10 per deposit |
Check or Card Payment by Phone or Online:
|
$15 per payment up to $399.99. Anything above $400 is $25. |
Wire Transfer | Current Fee |
Domestic Wire, Outgoing: | $25 per item |
Domestic Wire, Incoming: | $10 per item |
International Wire, Outgoing: | $50 per item |
International Wire, Incoming : |
$10 per item
|
Non-Sufficient Funds (NSF)/Overdraft
|
Current Fee
|
Privilege Pay Clearing2:
|
$32.50 per item
|
Automated Clearing House (ACH) NSF:
|
$32.50 per presentment
|
NSF Returned Check:
|
$32.50 per presentment
|
Return Deposited Item:
|
$22.50 per item
|
Return Deposited Item Against Self:
|
$32.50 per item
|
Overdraft Transfer From Share:
|
$2.50 per transfer
|
Overdraft Transfer From Loan:
|
No fee
|
ATM and Card Access
|
Current Fee
|
ATM Fee:
|
None – machine fees may apply
|
ATM Deposit Adjustment:
|
$22.50 per item
|
ATM Return Check Fee:
|
$22.50 per item/$32.50 if drawn on self
|
ATM Return Check Fee If Drawn On Self:
|
$32.50 per item
|
Card Replacement Fee:
|
$10 per card
|
Expedited Card Replacement Fee: | At cost |
Debit Card Privilege Pay Fee2:
|
$32.50 per item
|
Foreign Transaction Fee:
|
1% of the purchase price in addition to the currency exchange rate fee
|
Business Money Market
|
|
Minimum Opening Deposit:
|
$2,500
|
Minimum Balance Fee (if minimum balance is below $2,500):
|
$10
|
Excessive Withdrawals (> 6 per month):
|
$25
|
Business Checking |
Business Checking Plus |
|
---|---|---|
Minimum Opening Deposit: |
$100 |
$100 |
Minimum Balance Fee: |
$10 |
$15
|
Balance to Avoid Fee: |
$1,000 |
$7,500
|
Excessive Transaction Fee (Drafts Paid & Deposited Items): |
First 150 Free, then $0.25 per Item |
First 300 Free, then $0.25 per Item |
Cash Transactions: |
First $5,000 Free, then $0.10 per $100 |
First $6,000 Free, then $0.10 per $100 |
Temporary Checks: |
$2 per sheet of 4 |
$2 per sheet of 4 |
Check Copy Fee: |
$10 per item | $10 per item |
**Please see the Credit Card Disclosure for fees associated with credit card accounts.
1. For Share and You Name It Accounts, no more than six (6) preauthorized, automatic, telephone or Online Banking transfers may be made to another account of yours, or to a third party in any month. If you exceed these limitations, your account will be subject to a fee and may be closed.
2. A Privilege Pay Fee is imposed for paid overdrafts created by checks, in-person withdrawals, ATM withdrawals and ACH or other electronic means.
These fees are accurate as of the Effective Date indicated. If you have questions or require current fee information on your account(s), please call On Tap Credit Union® at 303-279-6414 or 1-800-770-6414.