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.