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Effective as of: 1/1/2017
Truth-In-Savings Fee Schedule
Checking Account Fees
Check Printing$ vary upon styleSenior Ck Only - 1 Free box per year
Courtesy Pay$30.00per item
Money Market Transaction Fee$10.00 per item over allowed number of transactions
Non-Sufficient Funds (NSF)$30.00per item
Overdraft-Transfer Fee$5.00per transfer
Returned Item (3rd party)$5.00per item
Returned Item (self)$30.00per item
Service Charge - Bonus Checking$10.00per month if balance is below minimum
Service Charge - Business Checking $10.00per month
Service Charge - Fresh Start Checking$10.00 per month$7.50 per month with direct deposit
Service Charge - Money Market$10.00 per month if balance is below minimum
Service Charge - Enhanced Checking$8.00per month if balance is below minimum
Other Service Fees
Account Closure$15.00if closed within the first year
Account History Print Out$1.00per account
Account Reconciliation$25.00per hour
Cash Advance 3%of cash advance amount
Cashier's Check$2.00per check
Cashier's Check FREEmade payable to self or other FI
Check Copy$3.00per copy
Collection Item$12.00per item
Foreign ATMFREEexcludes ATM owner fee
Gift Card - MasterCard$2.50initial purchase
Inactive (Dormant) Account$10.00per month after 24 months no activity
Levy $25.00per levy
Member Check Cashing1% or $7 minless than $500, savings account only
Non-Member Check Cashing1% or $7 min
Mobile Check Deposit$5.00per month (4U and Silver Members FREE)
Reloadable MasterCard$5.00 initial purchase - other fees may apply
Returned Mail$5.00not per piece
Savings Account Excess (Reg D)$2.00per transaction over allowed 6 limit per month
Skip-a-Pay $30.00per loan
Statement Copy$3.00per copy
Teller Check$2.00per check
Teller CheckFREEpayable to self or other FI
Travel MasterCard$5.00 initial purchase - other fees may apply
Wire Transfer - Outgoing (domestic)$15.00per wire
Wire Transfer - Outgoing (international)$30.00per wire
Youth MasterCard$5.00 initial purchase - other fees may apply
EFT Fees
ACH Overdraft$30.00per item
ATM/Debit Card Replacement$5.00per card / unless fraud related replacement
Debit Card Overdraft$30.00per item
Overdraft Transfer$5.00per transfer
Safe Deposit Box Fees
Available at Gainesville and Whitesboro Branches
Annual RentRent due on anniversary of rental date
3 X 5 Box$25.00per year
3 X 10 Box$45.00per year
5 X 10 Box$55.00per year
10 X 10 Box$100.00per year
Change of Locks$120.00per lock
Drilling of Boxes$120.00per lock
Share Value / Membership Fee
Par Value of One Share$25.00per share membership
Membership Fee$1.00one time
This credit union is federally insured by the National Credit Union Administration.
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