Member Fee Schedule Fees Effective 01.02.18 Checking Services Check Photocopies Within Online Banking No Charge Within 90 Days $1.00 per check Greater than 90 days $2.00 per check Insufficient Funds Paid or Returned Including share drafts/pre-authorized withdrawals, POS (Debit Card merchant transactions), ATM withdrawals, and online banking bill payments $26.00 per item (max. 5 items per day) Overdraft Protection Share draft/debit card/billpay/pre-authorized withdrawal from membership shares $5.00 per transfer Overdraft transfer from VISA® credit card $5.00 per transfer plus $5.00 cash advance fee Inactive Checking Fee No activity in 6 months, members ages 25 and up $5.00 per month ReserveCheck Monthly Service Fee No Charge ConnectCheck With eStatements AND 1 direct deposit/ACH AND at least 12 debit card transactions each month No Charge Without meeting all of the above requirements $2.95 per month SimpleCheck With 1 direct deposit/ACH OR minimum combined deposits of $1,000+ OR minimum combined loan balances of $5,000+ No Charge Without meeting all of the above requirements $5.95 per month Stop Payment Fee $26.00 per check/ACH Savings Account Services Holiday Club Account No withdrawals prior to Oct. 1. Closing fee for early withdrawals (Account not to be reopened until October 1) $5.00 Individual Retirement Accounts (IRA) IRA accounts closed within 90 days of open $25.00 IRA withdrawals within first 90 days of open $10.00 Money Market Accounts Performance Plus Average daily balance below $25,000.00 $5.00 per month Performance Plus Month-end balance less than $1,000 and no activity in over 6 months $5.00 per month Balance Boost Month-end balance less than $100.00 and no activity in over 6 months $5.00 per month Electronic /Card Services ATM Services for debit card (card access to both checking & savings) CUA-Owned ATMs/CO-OP ATMs All checking account transactions No Charge Other Foreign ATMs Withdrawals and/or balance inquiries in excess of four (4) per month $1.00 per item Foreign Transaction Fee 2% of each transaction in U.S. Dollars Miscellaneous Electronic/Card Services Replacement ATM or Debit Card $10.00 each Expedited Mail Fee Up to $26.00 eStatements No Charge Electronic Bill Payment Service All checking accounts No Charge Online/Mobile Banking No Charge Account to Account Transfers No Charge Person to Person Payments No Charge Payments by Phone ACH (direct debit from account) $10.00 Debit card $10.00 Visa credit card $10.00 VISA® Credit Card Services Cash Advance Fee (including overdraft transfer) $5.00 each item Late Fee Up to $25.00 Return Check Fee Up to $26.00 Replacement Card $10.00 each Foreign Transaction Fee 3% of each transaction in U.S. Dollars Balance Transfer Fee $10.00 per transfer Statement or Sales Draft Copies $2.00 each Safe Deposit Boxes Charged annually in January, pro-rated by month if opened later, no refund on partial year use D” x W” x L” 2 x 5 x 21 $15.00 3 x 5 x 21 $25.00 5 x 5 x 21 $30.00 3 x 10 x 21 $35.00 5 x 10 x 21 $50.00 10 x 10 x 21 $75.00 Key replacement when closing box $10.00 per key Drill lock & replace key $120.00 Miscellaneous Services Account Balance & Research (1 hour minimum) $25.00 per hour Certified Check $3.00 each Inactive Membership Account (age <= 23 Youth accounts excluded) No activity in 12 months, balance is less than $100.00, and no other services on this membership (ages 25 and up) $5.00 per quarter Invalid Address $5.00 per quarter Mid-month or Printed Statement Copies $1.00 per stmt. Notary Service (members only) No Charge Temporary Check Fee $1.00 per request (up to 8 checks) Returned Deposit Items $10.00 per item Returned Loan Payments $26.00 per item Signature Guarantees (members only) No Charge Check Cashing Fee If share balance is below $100.00 & no other checking or loan account $5.00 each With any CUA checking/loan in good standing No Charge Close Account Within 90 days of opening $25.00 Collections Foreign item collection $10.00 per item Garnishments Up to $35.00 each Collection Items $20.00 each Corporate checks $3.00 each Wire Transfers Domestic Wire $20.00 All fees are subject to change with proper notification.