The rates, fees, and charges applicable to your account at the Credit Union are provided in this Fee Schedule. Savings Account Fees Below "par balance" ($15.00):   $5.00 per month Dormant Accounts:   $20.00 per month Early Withdrawal from Christmas Club:   $10.00 each Minimum Account Check Cashing:   $5.00 each Third Party Draft Cashing:   $5.00 each Checking Account Fees Non Sufficient Fund:   $35.00 per item Starter Checks, First 10 are free, After 10 each one costs:   $1.00 each Check Printing:   Price may vary depending upon style. Other Service Fees (Applicable To All Accounts) Account Reconciliation:   $20.00/hour Account Research:   $20.00/hour Statement Copy:   $3.00/copy Share Draft Copy:   $10.00/copy Deposited Item Return:   $35.00/item Wire Transfer (outgoing)   $20.00/transfer + incoming Wire Transfer (international):   $25.00/transfer Money Order:   $1.50/money order Stop Payment Request (Draft):   $25.00/request ATM/Debit or Visa Check Cards and Replacement:   $5.00 Travelers Checks:   $2.00 Certified/Cashier Checks:   $5.00 Transfer From Share to Cover Check, ACH or Card Transactions:   $2.00 Each Electronic Funds Transfer Fees ATM Transaction (Foreign):   $1.50 each ACH rejected item:   $35.00 per item Stop Payment Request (ACH):   $25.00/request Online Banking and Bill Paying:   $5.00 per month Inactive Accounts. If your account falls below the minimum applicable balance, and you have not made a withdrawal from, deposit to, or transfer involving your account for more than 24 months and the Credit Union has been unable to contact you by regular mail during that period, the Credit Union may classify your account as a dormant account. Unless prohibited by applicable law, the Credit Union may charge a service fee for continuing to process your dormant account as set forth on the Rate and Fee Schedule. The rates appearing in this Rate and Fee Schedule are accurate and effective for deposit accounts as of the date indicated on Dividend Rates page. If you have any questions or require current rate information on your account, please call the Credit Union. Real Estate Subordination Agreements:   $350.00 Legal Activity Fee (Share or loan): $200.00 Definitions: Minimum Account - A member has only a Share (savings) account with a small (less than $500) or minimum balance that appears to be kept for the purposes of check cashing only. Active Account - A member with the minimum balance or more in the primary Share account and either regular activity on the that share account or an active Draft (checking) account, a CD or club account, or a loan.. Active Share Draft/Club - A Share Draft (checking) Account with one transaction a month. A draft account that has been closed for whatever reason does not qualify as “active”. Third Party Draft Cashing - When a non-member presents a member’s Share Draft for immediate cash. Legal Activity - When an account is in default or in the negative, and collection/legal activity is initiated. This begins when a member is sent a Notice of Default and Right to Cure for any reason on any type of account with this credit union "Pass On" Cost - The cost of acquiring and assembling the documents necessary to document account transactions (i.e. Return Draft copies, etc) will be charged to the member.