| REGULAR SHARE ACCOUNTS |
| Minimum balance required |
$25.00 |
| Enrollment fee |
$10.00 |
| Cashiers Checks |
$3.00 |
| Checks accepted for deposit and are returned by Bank |
$25.00 |
| ACH overdraft or returned item |
$25.00 |
| Stop payment on ACH debit |
$15.00 |
| Statement copies-per page |
$2.00 |
| Early closing of accounts within 180 days of opening |
$20.00 |
| Reinstatement to Credit Union upon approval |
$15.00 |
| Below Minimum Balance of $25.00 |
$3.00 |
| Escheated Account Fee |
$2.00 |
| Dormant Account Fee per Month |
$1.00 |
| Levies |
$20.00 |
| Foreign Items for deposit |
$10.00 |
| Returned Foreign Items |
$25.00 |
| Notary Fee (non MWFCU document) |
$10.00 |
| Verification of Deposit |
$5.00 |
| |
| CHRISTMAS CLUB ACCOUNTS |
| Early withdrawal/closing of accounts Not eligible to reopen |
$10.00 |
| |
| MOORE MONEY MARKET ACCOUNT |
| Excessive withdrawals/transfer 3 per month free-more than 3, each s/w |
$10.00 |
| |
| CHECKING ACCOUNT SERVICES |
| Minimum balance required |
No minimum |
| Personalized checks |
At cost |
| Returned checks-NSF-Uncollected funds-Checks accepted for deposit and returned by Bank |
$25.00 |
| Stop payment on check/ACH debit |
$15.00 |
| Copy of paid check |
$3.00 |
| Printout/Statement copies-per page |
$2.00 |
| Transfer from Shares to Checking-with written or verbal request |
No charge |
| Transfer from Share to Checking-initiated by the Credit Union to cover Draft |
$2.00 each |
| Cashier's Check |
$3.00 each
|
| Account reconciliation and research |
$27.00/hour |
| |
| HOME BANKING |
| Month Service Charge (waived with an active checking account) |
$5.95 |
| |
| ATM SERVICES |
| ATM/Debit cards |
One free per person on account |
| Replacement ATM/Debit card |
$6.00 |
| Pin Reminder |
$1.00 |
| ATM transactions up to 8 per month |
No Charge |
| ATM transaction over 8 per month |
$1.00 each |
| ATM Deposit Error Adjustment |
$5.00 |
| ATM Deposit Adjustment - Overdraft/NSF fee |
$25.00 |
| |
| LOANS |
| Late fees on loans |
Per contract |
| Cancellation fee |
$25.00 |
| Refinance existing loan, processing fee |
$25.00 |
| Skip-A-Payment, Loan modification, processing fee |
$25.00 |
| Disability insurance cancelled |
$5.00 |
| Letters (vehicle out of country, etc.) |
$15.00 |
| |
| VISA SERVICE |
| VISA annual fee |
No charge |
| Replacement cards |
$6.00 |
| Cash advance |
Per contract |
| Statement copies etc. |
Per contract |
| Late charge |
$20.00 |
| NSF payment |
$20.00 |
| Visa loan modification, processing fee |
$25.00 |
|
|
| IRAs (INDIVIDUAL RETIREMENT ACCOUNTS) |
| Enrollment fee - one time |
$25.00 |
| Annual fee |
$12.00 |
| |
| LEGAL FEES |
| Legal process - per hour |
$50.00 |
| Witness fees - per day (plus $0.40 per mile) |
$200.00 |
| |
| WIRING FEE |
| Domestic wires |
$20.00 |
| International wires |
$30.00
|
| Incoming Domestic Wires (waive if active checking or current loan/visa) |
$5.00
|
| Incoming International Wires (waive if active checking or current loan/visa) |
$10.00
|
| |
| NON-MEMBER FEE |
| Check cashing fee (per check) |
$5.00 |
| MEMBER'S ACCOUNTS ARE INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION UP TO $250,000 |
