Fees
Effective June 1, 2008
| ATM |
| Overdraft |
$30.00 |
| Withdrawal at non-USPS FCU ATM** |
$1.50 |
| Replacement/Lost Card |
$10.00 |
| ATM Deposit Adjustment |
$5.00 |
| ATM Balance Inquiry at non-USPS FCU ATM |
$1.00 |
| Check Fees |
| Certified Checks |
$15.00 |
| Check Copy * |
$5.00 |
| Returned for Insufficient Funds |
$30.00 |
| Courtesy Pay Fee |
$30.00 |
| Returned Deposited Item (third-party check) |
$20.00 |
| Stop Payment for Credit Union Checks within 14 days after issuance |
$20.00 |
| Stop Payment (personal) per check* |
$25.00 |
| Maximum fee for multiple checks due to lost or stolen books |
$50.00 |
| Cashier's Check (CA only) |
$10.00 |
| Third-party withdrawal checks |
$15.00 |
| Check withdrawals by phone via Personal Service Representative |
$5.00 |
| Check Cashing |
| Payroll or personal check without Direct Deposit or $250 combined savings
balance |
$10.00 |
| Other Fees |
| Loan Subordination - Charged for Home Equity Loans subordinated to another financial institution.
|
$125 |
| Duplicate Release - Lost or duplicate copies of Home Equity Release Forms. |
$50 |
| Statement Copy * |
$5.00 |
| Statement Research per hour (no charge if C.U. error) |
$20.00/hr. |
| Reopen Checking Account |
$20.00 |
| Domestic Bank Wires |
$25.00 |
| International Bank Wires |
$75.00 |
| Deposit Verification |
$5.00 |
| Dormant Account (no activity for more than 3 years) |
$25.00 |
| Loan Application Resubmission Fee |
$25.00 |
| Medallion Signature Guarantee Fee |
$30.00 |
| Automated Transfer from Shares (each) |
$2.00 |
| Call-in transfers via Personal Service Representative* |
$2.00 |
| Membership Fee |
$5.00 |
| Garnishment/Lien/Levy |
$50.00 |
| Bad Address/Return Mail |
$5.00 |
| Balance Inquiry Fee via Personal Service Representative* |
$5.00 |
| Minimum Balance Fee – Savings (6 mo. grace period for new accounts) |
$10.00 |
| Minimum Balance Fee – Interest Checking |
$5.00 |
| Minimum Balance Fee – Money Market Checking |
$10.00 |
| Replacement/Lost Debit Card |
$10.00 |
| Check Printing |
| Call Liberty Checks & Services, Inc. at (877) 585-8777
for current prices. |
| Check Hold Policy |
| See our Funds Availability Disclosure for details |
| VISA |
| VISA Late Fee |
$30.00 |
| VISA Overlimit Fee |
None |
| VISA Letter Check Return Fee |
$30.00 |
| VISA Card picked up by merchant |
$55.00 |
| Copies of VISA sales drafts |
$10.00 each |
| VISA Cash Advance Fee |
2% of each transaction,
$10 min., no max. |
| VISA Balance Transfer Fee |
2% of each transaction,
$10 min., no max. |
| ACH |
| ACH Stop Payment |
$25.00 |
| ACH Return for Insufficient Funds |
$30.00 |
* Fees can be avoided by utilizing electronic services on your account.
**This fee does not apply to Standard or Preferred Members. This fee does not apply to Standard or Preferred Members.
Standard Membership - Available with an Access or Interest Checking account, single monthly direct deposit of $500 or more, and a USPS FCU VISA Check Card. Direct deposit requirement waived for members under age 24. Members must have an aggregate direct deposit amount of $1,000 per month in order to qualify for the Free Access to Cash Program.
Preferred Membership - Available with a Money Market Checking account, single monthly direct deposit of $500 or more, and a USPS VISA Check Card. Direct deposit requirement waived for members under age 24. Members must have an aggregate direct deposit amount of $1,000 per month in order to qualify for the Free Access to Cash Program.