| Common Fees |
| Membership Fee |
FREE |
| Account Research and Reconciliation |
$20 per hour
(min. 1 hour) |
| On-line Statement Copy (E-Statements) |
FREE |
| Statement Copy (from teller) |
$2 per statement |
| On-line History Copy (Home Banking) |
FREE |
| History Copy (from teller) |
$2 per copy |
| Non-Member Auto Title Work |
$25 |
| Collection Item ($100 and more) |
$10 per item |
| Instant Check Payment Processor |
$10 per request |
| Account Closure within 90 days of opening |
$10 |
| Returned Statement |
FREE |
| Replacement of Lost Teller's Check |
FREE |
| Stop Payment of Teller's Check |
FREE |
| Balance Inquiries and Transfers from a
Teller |
FREE |
|
|
Regular Share Savings/Special Savings/IRA/JAMMS/JAMMS Jr./UTMA |
| Inactive Account |
FREE |
| Reopen Account |
FREE |
| IRA Opening |
FREE |
| IRA Annual Administration Fee |
FREE |
| IRA Closing Fee (unless withdrawing early) |
FREE |
| IRA Closure within 30 days |
$25 |
|
|
Club Accounts |
Christmas Club Withdrawal/Transfer
(January 1- October 31) |
$5 per transaction |
Vacation Club Withdrawal/Transfer
(September 1 - March 31) |
$5 per transaction |
| Inactive Account |
FREE |
| Reopen Account |
FREE |
|
|
Preferred Money Market |
| Balance $500 and up |
FREE |
| Inactive Account |
FREE |
| Reopen Account |
FREE |
| Balance below $500 |
$3 per month |
Withdrawal
(for more than 3 non-check withdrawals per month) |
$5 |
| Per Check (for more than 4 checks per
month) |
$7 |
|
|
Ultimate Checking Account/JAMMS Checking/Business Checking |
| Ultimate Checking |
FREE |
| JAMMS Checking |
FREE |
| Inactive Account |
FREE |
| Reopen Account |
FREE |
| Check Reorder (without reorder form) |
$2 per order |
| Non-Sufficient Funds (NSF) Fee* |
$29 per check |
Stop Payment Fee - ACH/Paper Draft
|
$20 per item or numerical order of checks
($25 after three stop pays in the past six months) |
| Stop Payment Fee-ACH only |
$10 per item |
Automatic Overdraft Transfer**
(limited by Regulation D) |
$2 per check |
| Courtesy Pay |
$29 |
Check Processing
(check from non-ACU vendor that cannot be processed) |
$5 per item |
| Returned Deposited Check |
$3 per check |
Check Copy (through Home Banking &
E-statements) |
FREE |
| Check Copy (from a teller)
|
$2 per check
(after
2 free per month) |
| Temporary Checks |
$2 per pack |
| Check Inquiry (after 1 free per week) |
$2 per inquiry |
| Business Checking |
$5 per month |
|
|
Visa® Check Card-Debit Card |
| Check Card-Debit Card |
FREE |
| Replacement |
FREE |
| PIN Reissue |
FREE |
| Purchases |
FREE |
| Point-Of-Sale |
FREE |
| ATM Cash Withdrawals from any SelectATM™ |
FREE |
| ATM Cash Withdrawals from any CO-OP Financial
Network ATM |
FREE |
| ATM Cash Withdrawals from any ACU ATM |
FREE |
ATM Cash Withdrawal Fee***
(outside the ACU, SelectATM and CO-OP networks) |
2 FREE per month (after
2, $1 per transaction) |
| Check Card NSF* |
$29 per transaction |
| Automatic Overdraft Transfer** |
$2 per transfer |
| Merchant Transaction Copy |
$3 per copy |
|
|
Wire Orders |
| Domestic Bank Wire Transfer |
$15 per wire |
| International Wire Transfer |
Market Rate |
| Western Union® Money Wire |
$15 per wire |
|
|
Money Orders/Cashier's Checks |
| Money Order |
$1.00 per money order
(effective 01/01/2009) |
| Cashier's Check |
$ 2 per check |
| American Express® Travelers Cheques |
$1 per $100 purchase |
| American Express® Gift Cheques |
$2.50 per check |
| Visa Gift Cards |
$3 per card |
|
|
Automated Drafts |
| ACH Overdraft Transfer |
$2 per transfer |
| Stop Payment - ACH/Paper Draft |
$20 - $25 per item |
| For ACH only |
$10 per item |
| ACH NSF* |
$29 per draft |
|
|
Overnight Mail |
| For ACU loans and account transactions |
| Overnight Mail |
Market Rate**** |
|
|
Loan Proceeds |
| Cashier's Check (Loan Proceeds Fee) |
$1 per check |
| Wire Transfer |
$5 per transfer |
|
|
Home Banking***** |
| Enrollment Fee |
FREE |
| Monthly Fee |
FREE |
| Check Images |
FREE |
|
|
Phone Banking |
| Enrollment Fee |
FREE |
| Monthly Fee |
FREE |
|
|
E-Statements |
| Enrollment Fee |
FREE |
| Monthly Fee |
FREE |
|
|
Bill Pay |
| Enrollment Fee |
FREE |
| Monthly Fee |
FREE |
| Transaction Fee |
FREE |
| NSF Fee* |
$29 per item |
|
|
Safe Deposit Boxes |
| Safe Deposit Box Rental (subject to availability) |
| 3 x 5 box |
$15 per year |
| 3 x 10 box |
$28 per year |
| 5 x 10 box |
$50 per year |
| 10 x 10 box |
$90 per year |
| Safe Deposit Box Lost Key |
Market Rate |
| Safe Deposit Box Drilling |
Market Rate |
Note: Cash
in Safe Deposit Box is not insured.
|
|
Fax Fees |
| Local Fax |
$2 per fax |
| Non-Local Fax |
$5 per fax |
|
|
Special "Senior" Services |
| For members age 60 and over |
| Money Orders |
FREE |
| American Express® Travelers Cheques |
FREE |
| Cashiers Checks |
FREE |
| Temporary Checks (8-count) |
FREE |
|
|
Foreign Purchases |
| Foreign currency conversions when using
a ACU Visa® credit or debit card |
FREE |
|
|
Other FREE Services |
- Internet Instant Loan Application
- Vehicle Purchasing Information
- Real Estate/Home Equity Loan Application
- Toll-free fax line
- Toll-free phone numbers
- Free Internet Links
- Googolplex (a money management guide for students)
- Home & Family Finance (a financial magazine for adults in
English and Spanish)
|
| *Includes returned ACH items,
returned NSF checks, paid NSF checks, held funds returned NSF checks,
and held funds paid NSF checks. |
| **Fee applies to overdrafts
created by check, in-person withdrawal, ATM withdrawal, Bill Pay,
or other electronic means. |
| ***America's Credit Union
has no control over fees that may be charged by other ATM proprietors,
operators or networks, including fees charged for balance inquiries
even if you do not complete a transaction. |
| ****Based on carrier |
| *****Any Internet Home Banking
user with an inactive status of more than 6 months will be deleted
and will need to enroll as a new user to re-activate this service. |
| Rev: March 2009 |
