Rate & Fee Addendum: Deposits
Credit Union Membership
Membership Share: $ 5.00 par value
Account Fees Applicable to All Accounts
Account Maintenance Fee: $ 3.00 per month**
Account Closing Fee (Accounts which have been opened 60 days or less): $ 15.00
Account Re-Opening Fee (Accounts which were closed within the last 60 days): $ 20.00
NSF/Overdraft Fee: $ 25.00
Return Deposit Item Fee: $ 20.00 per item
Stop Payment Fee (Check/ACH/E-PAY): $ 25.00 per request
Check Printing Fee: Prices vary depending upon style
Check Copy Fee: $ 5.00 per item up to $50, then $3 per item
Temporary Checks: $ 5.00 for eight checks (Free for new accounts)
Check Cashing Fee: $ 5.00 per item**
Overdraft Transfer Fee (applicable to overdraft transfers generated automatically from savings to checking): $ 5.00 per transfer if more than six per month
Card Fees
Regular Rush Card: $ 35.00
Replacement Card: $ 20.00
Joint Users Card (Ordered w/rush or replacement card): $ 10.00
Replacement Personal Identification Number (Ordered with rush): $ 35.00
Check/Credit Card Receipt Copies: $ 5.00 per item up to $50 then $3.00 per item
Other Service Fees (Applicable to All Accounts)
Account Reconciliation/Account Research Fee: $ 25.00 per hour
Paper Statement Fee: $ 1.00 per statement*
Statement Copy/History Fee: $ 5.00 per statement
Items Sent for Collection Fee: $ 20.00 per item
Wire Transfer (incoming domestic or foreign fee): $ 5.00 per transfer
Wire Transfer (outgoing fee): $ 15.00 per transfer
Payment by Phone/Web (Check, Credit Card, ACH): $ 10.00 per transfer
Visa Gift Cards: $ 2.50 per card
Visa TravelMoney Cards: $ 8.00 per card
Visa TravelMoney Card Reload Fee: $ 2.00 per reload
Cashier’s Check Fee: $ 3.00 per check**
Copy Fee: $ 1.00 per page
Foreign Currency Exchange Fee (Correspondent bank fee may also be assessed): $ 25.00
Dormant Account Fee: $ 5.00 per month after 18 months without activity
Returned Mail - Bad Address Fee: $ 5.00 per month
Escheat Account Fee: $ 25.00 per account
Written Verification of Deposit: $ 10.00 per request
Counting Coins: 10% of total if $25 or more
Levy Processing Fee: $ 50.00 per levy
Rebuild checking™ Fee: $ 10.00 one-time setup fee
Expedited Title Processing Fee: $ 35.00 per request
Electronic Funds Transfer Fees
Nonproprietary ATM Withdrawal/Transfer/Inquiry Fee: $ 1.00 per transaction/inquiry
Foreign Transaction Fee (Visa International Service Assessment Fee on card transactions): 1% of purchases, cash withdrawals, cash advances and credits to the account
Online Banking (Internet Account Access)
Popmoney (Person-to-Person Transfers)
Standard Delivery Fee: Free
Expedited Delivery Fee: $ 0.95 per transaction
Stop Payment Transaction: $ 25.00 per request
NSF/Overdraft Fee: $ 25.00
External Transfers
Standard Delivery Fee: $ 2.00 per transaction
Expedited Delivery Fee: $ 5.00 per transaction
NSF/Overdraft Fee: $ 25.00
ACH Inquiry: $ 45.00 each
Bill Pay
Monthly Service Fee: Free
Expedited Payment Fee (Check): $ 25.00 per request
Expedited Payment Fee (Electronic): $ 10.00 per request
Bill Pay Research/Return Fees: Applicable Fees Noted Previously
Bill Pay Stop Payment Fee: $ 25.00 per request
Bill Pay Cleared Check Copy Fee: $ 5.00 per item up to $50, then $3 per item
Bill Pay Max. Reimbursement for Late Charge/Penalty (see E-PAY Electronic Terms/Conditions for Complete Details): $ 25.00
The rates and fees appearing in this ADDENDUM are accurate and effective for deposit accounts as of the Effective Date indicated on this ADDENDUM. If you have any questions or require current rate and fee information on your accounts, please call Ascend at 1-800-342-3086 or contact us.
*Fee waived for members 65 years of age and older and 18 years of age and younger.
**Fee does not apply if you meet at least one of the following criteria: Maintain an average monthly balance of at least $100 in a savings or checking account; have a Preferred checking account; have a Share certificate; have an active***, no-delinquent loan (including credit cards); have a Money Market account with a balance of at least $2,500; or if you are 18 years of age or younger.
*** An active loan includes any loan with a non-delinquent balance at month-end or a line of credit or credit card that had activity during the most recent month.