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 four (4) withdrawals per month.
- Christmas Club Excessive Withdrawal Fee: $5.00 per withdrawal in excess of four (4) per month.
- Low Balance Fee: $2.50 monthly when share balance is less than $5.00.
Share Draft Regular:
- Monthly Maintenance Fee: $5.00
- This fee is waived for students 22 years of age and under with proper ID, members 62 years of age and over, and non-profit organizations within our field of membership.
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: $12.00
- PIN Replacement Fee: $5.00
- ATM Cash Withdrawal Fee: $1.00 per transaction, plus the ATM site charge (varies per site).
Member Share Draft: (VISA Check Card/ATM Card)
- Monthly Maintenance Fee: $12.00. No overdraft available.
- Same fees as the Share Draft Plus, with lower limits on ATM Debits and Cash withdrawals.
- Account must stay in good standing at all times.
- In the event of misuse of the account, the Credit Union reserves the right to close the account.
Share Draft Accounts:
- Stop Payment Fee: $20.00 per request
- NSF Check Return Fee: $30.00 per item
- NSF Check Clearing Fees $30.00 per item
- NSF Check Clearing by Transfer: $10.00 per item
- Check Copy Fee: $5.00 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):
Other Service Fees: (Applicable to All Accounts)
- Money Orders: $1.00 each
- Statement Print Out Fee: $5.00 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: $8.00 each
- Draft Collection (Deposit) Fee: $5.00
- Account Research Fee: $25.00 per hour
- ACH Return Item Fee: $30.00 per item
- ACH Clearing Fee: $30.00 per item
- ACH Clearing by Transfer: $10.00 per item
- Invalid Address Fee: $5.00 monthly per return
- Member Locator Research Fee: Actual Cost
- NSF Check Conversion - NON member: $5.00
- Real Estate Credit Report Fee: $35.00
- Whitney Stop Payment Fee: Actual Cost
- Garnishment/Levy Fee: $25.00
- Dormant Account Fee: $5.00 per month
Overdraft Loan Protection Fees:
- Overdraft loans are negotiated in increments of $100.00 each and with a fee of $10.00 for each activation.
- Annual Fee: None
- Initial Card: Actual Cost.
- Late Payment Fee: $15.00 per each occurrence
- Return Check / NSF Fee: $15.00
- Pay By Phone Fee: $10.00
- Document Copy Fee: (Copy of sales/purchase receipt) $12.00
- Statement Copy Fee: $20.00
- Emergency Card Replacement Fee: $150.00
Force Place Insurance:
- Reverse Force Place Insurance Fee: $25.00
The above fees are subject to change per the decision of St. Jules Credit Union’s Board of Directors.