Fee Schedule

(Effective 5/1/2009)

Share Savings Accounts:  

• Membership Share:  $5.00 par value.
• Membership Fee:  $5.00 (nonrefundable) is required to open a share (savings) account.
• Excessive Withdrawal Fee:  $5.00 per withdrawal in excess of twenty-four (24) withdrawals per year.
• Christmas Club Excessive Withdrawal Fee: $5.00 per withdrawal in excess of two (2) a year.
• Low Balance Fee:  $2.50 monthly when share balance is less than $5.00

Share Draft Plus: (VISA Check Card/ATM Card)  

• Monthly Maintenance Fee:  None
• Initial Card Fee: None
• Rush Order Card Fee: Actual Cost
• Card Replacement Fee: $10.00
• PIN Replacement Fee: $3.00
• ATM Cash Withdrawal Fee:  $1.00 per transaction, plus the ATM site charge (varies per site).

Share Draft Accounts:  

• Stop Payment Fee: $20.00 per request
• NSF Check Return Fee: $25.00 per item
• NSF Check Clearing Fees $25.00 per item
• NSF Check Clearing by Transfer: $10.00 per item
• Check Copy Fee: $3.00 per item
• Bill Paying Fee: $1.00 per check.
• Check Order Fee: According to provider charge
• Involuntary Closing: $15.00 if unused checks are not returned to the credit union

Individual Retirement Accounts (IRA):  

• IRA Opening Fee: $5.00 
• IRA Closing Fee: $5.00 

Other Service Fees: (Applicable to All Accounts)  

• Money Orders: $1.00 each
• Statement Print Out Fee: $2.00 per each monthly request
• Assistance in Balancing Fee: $10.00 per hour
• Incoming Wire Transfers - Actual Cost
• Outgoining Wire Transfers - $20.00 each
• Foreign Wire Transfers - Actual Cost
• Return Deposit Item Fee: $5.00 each
• Draft Collection (Deposit) Fee: $5.00
• Account Research Fee: $25.00 per hour
• ACH, Return Item Fee: $25.00 per item
• ACH, Clearing Fee: $25.00 per item
• ACH, Clearing by Transfer: $10.00 per item
• Invalid Address Fee $5.00 monthly following 3 returned statements
• Member Locator Research Fee Actual Cost

Overdraft Loan Protection Fees:

• Overdraft loans are negotiated in increments of $100.00 each and with a fee of $10.00 for each activation.

VISA Program:  

• Annual Fee:  None
• Initial Card:  Actual Cost.
•  Actual Cost
• Over the Limit Fee:  15.00 per each occurrence
• Late Payment Fee:  15.00 per each occurrence 

The above fees are subject to change per the decision of St. Jules Credit Union’s Board of Directors.