| Effective as of 1 July 2010 |
| Account Service Charges |
| Check Printing |
|
| · Price of Standard Cheques |
No Fee |
|
| · Starter Cheques |
No Fee |
|
| · Additional Charges for Other Styles |
Varies by style |
|
| Direct Deposit |
No Fee |
|
| Photocopy of Cheque |
1st 6 free/ thereafter 3 USD per copy |
|
| Copy of Statement of Account (more than 6 months old) |
2 USD |
|
| Insufficient Funds (NSF) |
|
| · UNFCU Cheque |
25 USD |
|
| · Check/ Pre-Authorized Payment |
25 USD |
|
| Returned Deposit Items |
|
| · U.S. |
10 USD |
|
| · Non-U.S. |
As incurred by UNFCU |
|
| Stop Payment of a Cheque |
10 USD |
|
| Transmatic Overdraft Protection |
5 USD |
|
| Collection Items |
25 USD |
|
| Checkmate Debit Card Overdraft |
0 USD |
|
| Savings Account: Below 50 Minimum Balance |
5 USD/ month |
|
| Money Market Account: Below 2,500 Minimum Average Daily Balance |
7.50 USD/ month |
|
| ACH Return Fee |
20 USD |
|
| ACH Stop Payment |
15 USD |
| Additional Financial Services |
| American Express Travelers Check |
No Fee |
|
| American Express Gift Check |
2 USD |
|
| Counter Check |
1 USD |
|
| Money Order |
2 USD |
|
| Official (Bank) Check |
No Fee |
| Debit Card and (non-UNFCU) ATM Fees |
| ATM/Bancomat Card Replacement |
5 USD |
|
| ATM/Bancomat Card Instant Issue Replacement |
10 USD |
|
| Over 8 Withdrawals per month (Domestic) |
1 USD/ withdrawal |
|
| Over 8 Withdrawals per month (International) |
3 USD/ withdrawal |
|
| Over 3 Balance Inquiries per month (Domestic) |
0.50 USD/ inquiry |
|
| Over 3 Balance Inquiries per month (International) |
1 USD/ inquiry |
|
| MasterCard Currency Settlement (w/o currency conversion) |
0.8% |
|
| MasterCard Currency Settlement (with currency conversion) |
1.0% |
| Share Certificate Early Withdrawal Penalty |
| For a term of: |
|
| · Under 1 Year |
Up to 90-day dividend forfeiture |
|
| · 1 Year and Over |
Up to 180-day dividend forfeiture |
| Wire Transfer |
| Incoming Wire Transfer |
No Fee |
|
| Domestic (U.S.) Wire Fee (eWires and Standing Order) |
12 USD |
|
| Domestic (U.S.) Wire Fee (Branch and Fax) |
20 USD |
|
| Domestic (U.S.) Wire Fee Off Peak (eWires and Standing Order*) |
10 USD |
|
| Domestic (U.S.) Wire Fee Off Peak (Branch and Fax) |
18 USD |
|
| International Wire Fee (eWires and Standing Order*) |
22 USD |
|
| International Wire Fee (Branch and Fax) |
30 USD |
|
| International Wire Fee Off Peak (eWires and Standing Order*) |
20 USD |
|
| International Wire Fee Off Peak (Branch and Fax) |
28 USD |
|
| Foreign Exchange Wire Fee (eWires and Standing Order) |
27 USD |
|
| Foreign Exchange Wire Fee (Branch and Fax) |
35 USD |
|
* For a standing order scheduled for execution on the 5th, 10th, 20th, or 25th of the month.
A standing order is a recurring wire transfer sent to a pre-defined beneficiary for a pre-defined amount and pre-defined date. The frequency of this wire transfer may be weekly (by day of week), bi-monthly, monthly, quarterly, bi-annually or annually. A standing order is managed by UNFCU Wire Transfer Services on the member’s behalf and is administered solely through a Standing Order Request. Standing Order Request: Please contact a Member Service Representative at +1 347-686-6000, via our toll free number, or at email@unfcu.com. Standing orders that cannot be completed on the intended date due to insufficient funds are terminated after the first attempt. The standing order will be processed automatically on the next scheduled date. |
| Bill Pay Fees |
| With Direct Deposit |
No Fee |
|
| Without Direct Deposit per month |
4.95 USD |
|
| Overdraft Fee |
20 USD |
|
| Stop Payment |
15 USD |
| Legal Fees |
| Notary Public |
No Fee |
|
| Legal Document Processing Fees (i.e. levies, restraining notices, subpoenas, garnishments, et al.) |
25 USD |
|
| Consular/ Balance Letter |
5 USD |
| Research/Investigation Fees |
| Per hour |
25 USD |
|
| · (5 USD minimum charge) plus all additional pass-through expenses |
|
| Document Retrieval Fee |
50 USD |
| Delivery Charges |
| Overnight Mail – U.S. |
15 USD |
|
| Overnight Mail – Outside U.S. |
As incurred by UNFCU |
| Express Delivery of Visa Credit Card, ATM Card, & Chequemate Debit Card and PIN mailers |
| Express Courier – U.S. |
15 USD |
|
| Express Courier – Outside U.S. |
50 USD+ (or as incurred by UNFCU) |
|
| Fees and service changes are in US dollars. Rates, fees & charges are subject to change without prior notice. |