FEE SCHEDULE - Vantage Credit Union
Transcription
FEE SCHEDULE - Vantage Credit Union
FEE SCHEDULE Deferred Compensation Plan Account Fees DCP Processing Fee $50 for an unforeseen emergency, transfer of funds or accelerated distribution of small accounts. 2% retroactive reduction of earnings for the prior year Investment Option Fee For over 57 years, Vantage has provided members with a wide variety of quality financial services at little or no cost. There are instances where Vantage must charge a nominal fee to offset expenses; however, in order to provide members with the best possible value, we strive to keep any account-related costs low for members. In fact, we have a number of services available to members free of charge: • FREE online banking including mobile access, bill pay and MyE-Deposit • FREE ATM or Debit Card • FREE direct deposit/payroll deduction • FREE money-management advice • FREE access to nearly 30,000 ATMs nationwide GENERAL INFORMATION Administration Offices 4020 Fee Fee Road Bridgeton, MO 63044-2734 Mailing Address P.O. Box 4433 Bridgeton, MO 63044- 0433 Phone Numbers 314.298.0055 • 800.522.6009 Website vcu.com Federally insured by NCUA REV 5/1/15 10M Many of the fees included in this Fee Schedule can be avoided rather easily. If you have any questions on how to avoid a particular fee(s), simply speak with a Vantage Financial Services Representative. We’re here to help with all your financial needs. Deposit Account Fees Loan Fees ACH NSF Fee (per item) $30.00 ACH Uncollected Funds Fee (per item) $30.00 Card Replacement Fee (ATM or Debit Card Plastic) $5.00 Cashiers Check Fee (per item) $2.00 (two free per day with $250 aggregate balance or checking) Check Cashing Fee (per check) $3.00 (waived with checking or aggregate of $250 in savings) Check Copy Fee (per copy) $2.00 Check Printing varies per order Collection Item Processing Fee (per item) $30.00 Credit Union Check Fee (per item) $2.00 (two free per day payable to the account holder with $250 aggregate balance or checking) Debit Card Foreign Transaction Fee 1% of settlement amount Foreign ATM Fee (per transaction or inquiry) $1.00 $15.00 Foreign Currency Exchange Fee (per shipment) Foreign Currency Exchange Price Protection Fee (per exchange) $10.00 Fresh Start Monthly Fee (for members with Fresh Start checking) $12.00 (reduced by $1.00 with Direct Deposit or ACH Debit or a Monthly Auto Transfer to Savings of at least $25.00) (reduced by $2.00 with Direct Deposit or ACH Debit and a Monthly Auto Transfer to Savings of at least $25.00) Garnishment/Levy Fee (per order) $50.00 Holiday Club Savings Withdrawal Fee (per withdrawal) $10.00 Inactive Member Fee (per month) $7.00 International Draft Issue Fee $20.00 International Draft Photo Copy Fee $30.00 International Draft Stop Payment Fee $30.00 International Draft Tracing Fee $30.00 $2.00 Money Order Fee (per item) $30.00 NSF Fee (per item) $1.00 Paper Statement Fee (posted the first business day following Credit Card Foreign Transaction Fee 1% of settlement amount Credit Card Late Fee up to $25.00 Credit Card Receipt Copy $10.00 (free if dispute is in cardholder’s favor) Credit Card Replacement Fee (per plastic) $5.00 Credit Card Returned Payment Fee up to $25.00 Credit Card Statement Copy $10.00 Home Equity Fee varies per loan Late Charges varies per loan Loan Modification Fee (per month) $25.00 Real Estate Fee varies per loan Title Fee per applicable state charges the generation of each periodic paper statement) Re-establish Membership Fee (within 6 months) $5.00 $30.00 Reg D Return Item Fee (per item) $30.00 Research Fee (per hour) Return of Deposited Item Fee $30.00 $2.00 Savings Overdraft Fee (per automated transfer) $5.00 Service Charge (per month) (Premier Money Market Account if balance falls below minimum) Statement Copy Fee $10.00 Stop Payment Fee $30.00 $1.00 Telephone Inquiry Fee (per each inquiry) $3.00 Telephone Money Transfer Fee (per phone request) $2.50 Temporary Checks Fee (quantity 12) Travelers Cheques Fee 1% (free with $250 aggregate balance or checking) Travelers Cheques Fee (Dual Signatures) 1% Uncollected Funds Fee $30.00 $20.00 Wire Transfer Fee (Within United States) $60.00 Wire Transfer Fee (Foreign Country) Loan Payment Processing Fees Online Card Payment Processing Fees FREE ACH 3% of payment amount Credit/Debit Card (fee waived if using a Vantage Credit/Debit Card) Phone Payment Processing Fees $10.00 ACH Any Credit/Debit Card: $.01–$99.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$13.00 $100–$199.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$16.00 $200–$299.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$19.00 $300–$399.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$22.00 $400–$499.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25.00 $500–$749.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$32.50 $750–$999.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$40.00 $1,000–$1,249.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . $47.50 $1,250–$1,499.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . .$55.00 $1,500–$1,749.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . .$62.50 $1,7 50–$1,999.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . .$7 0.00 $2,000–$2,249.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . .$7 7 .50 $2,250–$2,499.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . .$85.00 $2,500–$2,749.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . . .$92.50 $2,7 50–$2,999.99 payment . . . . . . . . . . . . . . . . . . . . . . . . . .$100.00 Miscellaneous Fees CARFAX Fee (per report) $25.00 Coin Exchange Fee non-members—20% of amount Document Copy Fee (per document copy) $10.00 Notary Fee—Non-member (per document) $2.00 Non-member Check Cashing Fee (per check) $5.00 Fees associated with specific Accounts are disclosed on applicable Account Disclosures or loan documents. FEE SCHEDULE Deferred Compensation Plan Account Fees DCP Processing Fee $50 for an unforeseen emergency, transfer of funds or accelerated distribution of small accounts. 2% retroactive reduction of earnings for the prior year Investment Option Fee For over 57 years, Vantage has provided members with a wide variety of quality financial services at little or no cost. There are instances where Vantage must charge a nominal fee to offset expenses; however, in order to provide members with the best possible value, we strive to keep any account-related costs low for members. In fact, we have a number of services available to members free of charge: • FREE online banking including mobile access, bill pay and MyE-Deposit • FREE ATM or Debit Card • FREE direct deposit/payroll deduction • FREE money-management advice • FREE access to nearly 30,000 ATMs nationwide GENERAL INFORMATION Administration Offices 4020 Fee Fee Road Bridgeton, MO 63044-2734 Mailing Address P.O. Box 4433 Bridgeton, MO 63044- 0433 Phone Numbers 314.298.0055 • 800.522.6009 Website vcu.com Federally insured by NCUA WEB 5/1/15 Many of the fees included in this Fee Schedule can be avoided rather easily. If you have any questions on how to avoid a particular fee(s), simply speak with a Vantage Financial Services Representative. We’re here to help with all your financial needs.