CONSUMER FEE SCHEDULE
Effective March 1, 2016

A
ACH Non-Recurring Origination
$15.00 per occurrence
ACH Return
$32.00 per occurrence
C
CHECK CASHING Single Service accounts with less than $1,000 on deposit and non members*
$5.00 per item
Copy of Check
$1.00 per check
D
 
Dormant Account
Fee charged after one year of no account activity.
$7.50 per month
/per account
E
Early Account Closure
Within first 90 days of account opening.
 
$5.00 per account
F
FOREIGN ATM (AN ATM NOT OWNED BY FREEDOM FIRST)
ATM Transfer
$1.00 per transaction
ATM Transaction Denied
$.50 per transaction
ATM Withdrawal
CU HERE network ATMs are free.
 
$1.00 per transaction
H
High-Yield Savings
If average daily balance is less than required minimum.
 
$10.00 per month
I
 
Index Checking
If average daily balance is less than required minimum.
 
$10.00 per account
IRA Transfer
If average daily balance is less than required minimum.
 
$30.00 per account
 
L
Legal Process
If a garnishment, levy, restraining order, writ of attachment, subpoena or other
legal process related to your account is served.
 
$50.00 per occurrence
 
M
 
Modification of 2nd Mortgage
$150.00 per transaction
Money Market Accounts
If average daily balance is less than required minimum
 
$10.00 per month
If over 6 pre-authorized withdrawals per month
$5.00 per transaction
Money Order
$1.00 per item
Mortgage Verification
$10.00 each
N
Non-sufficient Funds Paid via Check, ACH, or Bill Pay
$32.00 per item
 
 
 
 
NON-SUFFICIENT FUNDS
PAID VIA DEBIT CARD
 
Item/Transaction Amount  
 
 
 
 
$0.01 - $4.99 - No Fee
$5.00 - $9.99 -
$5.00 per item
$10.00 - $19.99 -
$12.00 per item
$20.00 - $29.99 -
$22.00 per item
$30.00 or greater -
$32 per item
O
 
Official Checks
$5.00 per check
Optimum Checking
If average daily balance is less than required minimum.
 
$10.00 per month
Overdraft Transfer from Savings
$2.00 per occurrence
P
Plastic Card Replacement
$5.00 per occurrence
Q
Quick Pay
$12.00 per transaction
R
Re-opening of Closed Account
$5.00 per account
Research/Reconciliation
$25.00 per hour
Return Address
$3.00 per occurrence
Return Check*
$32.00 per return
Returned Deposit Item*
$5.00 per return
S
Safety Deposit Box 3 X 5
$25.00 per year
Safety Deposit Box 5 X 5
$35.00 per year
Safety Deposit Box 3 X 10
$40.00 per year
Safety Deposit Box 5 X 10
$60.00 per year
Safety Deposit Box 10 X 10
$100.00 per year
Statement Copy/History
$1.00 per transaction
Stop Payment
$30.00 per transaction
Subordination Mortgage
$150.00 per transaction
T
TELEPHONE SERVICE (ATTENDANT-ASSISTED) 1-5 inquiries/transactions per month
no fee
6 or more inquiries/transactions per month
$2.00 per service
Telephone Service (automated)
no fee
Temporary Checks
$.50 per check
W
WIRE TRANSFERS Incoming Domestic
$15.00 per transaction
Incoming International
$20.00 per transaction
International Bank Account Number
(IBAN) Research Fee
 
$15.00 per transaction
Outgoing Domestic
$20.00 per transaction
Outgoing International
$40.00 per transaction

The fees and charges listed above may be assessed against your account(s) at the Credit Union. Fees may reduce earnings. Please refer to the Agreements and Disclosures for further information.

*Changed from previous Consumer Fee Schedule