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Rates & Fees

Fee structure and rates.

Rates & Fee Schedule

Fee Schedule
ServiceScheduleFee
Returned items (Uncollectible funds)
(Checks drawn on other institutions)
First party - per item
Second party - per item
$20.00
$20.00
Collection item
(Checks, etc. sent for collection)
National - per item
International - per item
$15.00
$20.00
Overdraw by draft or ACH/EFT Debit When transaction hits
Returned transaction
$25.00
$10.00
Stop payment on draft or ACH/EFT or
checks drawn on AB&W Credit Union
Activation - per item
Each time item is presented
$10.00
$10.00
Copy of share draft (Check) Per item $2.00
Premature withdrawals of Xmas Club Account Each withdrawal $20.00
Overdraft/ATM/ACH transfer from Savings Each transfer $1.00
Copy of statement Per page $2.00
Computer print-out of account history Per page $1.00
Checking Account Reinstatement Fee $30.00
Statement Paper(no charge age 18 and
under-age 65 or older
$5.00
Loan re-application fee (Refundable with loan approval) Each $15.00
Skip Pay Skip a Loan Payment $35.00
Telephone inquiry on account balances, etc.* Each $5.00
Credit Bureau Report for loan processing In file - each
Update - each
$15.00
$30.00
Certified checks and second party checks drawn on AB&W Credit Union Each $6.00
Money Orders Each $1.25
Attachments (Tax Levy, Garnishments, etc.) Each $30.00
Wire transfers Domestic - each
International - each
$15.00
$30.00
Account research going back more than 90 days Per hour $15.00
Notary service Members
Non-members - each document
Free
$5.00
Reconciling Share Draft register Per hour $15.00
Mail returned for bad address Per item $5.00
Dormant Account Aggregate balances below $250.00 with no activity for 1 year or more $5.00/month
Net Branch Online Home Banking Free
Bill Payer CheckFree Free
ATM "Fast Cash" Debit Card Fees**
Transactions/Inquiries Each $0.75
Point-of-sale Purchases Each Free
Duplicate or replace lost or stolen
Additional Card
Each
Each
$15.00
$25.00
Change PIN Each Free
Overdrawn account with ATM card Each $35.00

*To avoid fees, use "Fasttrack" or "NetBranch" for inquiries on your account and to transfer money in between your account.

**When you use an ATM not owned by us, you may be charged a fee by the ATM operator and any network used and you may be charged a fee for a balance inquiry even if you do not complete a transaction.

OTHER FEES AND CHARGES INFORMATION

  • One share of $50.00 must be maintained in member's Regular Share Account at all times to remain an active member of the Credit Union.
  • There will be a $1.00 charge for each time a transfer is made to a Share Draft (Checking) Account from any other account when the purpose is to cover an overdraft.
  • When an item is deposited to your account and is returned for any reason, there will be a $20.00 charge.
  • When mail is returned because you did not notify the credit union of a change in your address there will be a $5.00 charge.
  • If there are insufficient funds in the Share Draft(Checking) account and a draft(check) is attempting to clear the account there will be a $25.00 charge.  An additional $10.00 charge will be made when/if the draft (check) is returned resulting in a total charge of $35.00.
  • Christmas Club Accounts are available for the purpose of saving for the expense of Christmas and will automatically be transferred to your Share Account on November 1st of each calendar year. A $20.00 charge will be made for each withdrawal other than the automatic transfer on November 1st.
  • A substantial penalty is imposed if Share Certificate funds other than dividends are withdrawn before the maturity date.  The penalty is the amount of dividends since the date of issuance or renewal, or 90 days dividend, whichever is the lesser amount.
  • Share Certificates will automatically renew on the date of maturity unless you advise otherwise.  There is no grace period after your certificate has renewed to make withdrawals without penalty.
  • Negative Balance for 5 consecutive business days; you will receive additional one-time Extended Overdrawn Balance Charge on the sixth day. This fee is in addition to any applicable fees for overdraft items, insufficient funds and returned items.

Membership fees:

New membership____________________________$1.00
Second Time_______________________________$10.00
Third Time_________________________________$15.00
After Third Time each increases by_______________$5.00
Close new membership account prior to 90 days____$50.00

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