Fee Schedule
Effective September 14, 2023
| Description | Fee |
|---|---|
| Checking Account Service Fees | |
| Account Reconcilement / Research (Per Hour) | $25 |
| Check Copies | $5 |
| Courtesy Pay (Item up to $10) | No Charge |
| Courtesy Pay (Item Over $10 but Less Than $25) | $10 |
| Courtesy Pay (Item Over $25) | $35 |
| Dishonored Deposit | $35 |
| Debit Card Replacement | $25 |
| Debit Card / Rush Replacement | $50 |
| Cashing Member Draft by Non-Member (Per Item) | $5 |
| NSF Item -- Returned or Paid (Per Item) | $35 |
| Statement Copies (Per Page) | $2 |
| Stop Payment, Check or ACH | $35 |
| Savings Account Service Fees | |
| Account Reconcilement / Research (Per Hour) | $25 |
| Excess ATM Withdrawal (After 10 Per Month) | $1 |
| Dishonored Deposit | $35 |
| Inactive Account - No Activity After 5 Months (Per Month) | $5 |
| IRA Annual Maintenance Fee | $20 |
| NSF Item, Returned | $35 |
| Statement Copies | $2 |
| ATM Account Service Fees | |
| Deposit Error Adjustment | $2 |
| CO-OP or VFCU ATM Withdrawal | No Charge |
| ATM Card Replacement | $25 |
| ATM Card Replacement / Rush | $50 |
| Non-CO-OP or Non-VFCU Card at VFCU ATM | $3 |
| NSF from ATM Transaction / Empty Envelope | $35 |
| Point of Sale Transaction | No Charge |
| Return Item Adjustment | $35 |
| General Account Service Fees | |
| Cashier's Checks | $5 |
| Christmas Club Early Withdrawal (Waived Oct - Dec) | $10 |
| Closed Account Fee (If Closed Within 90 days of Opening ) | $25 |
| Collection Item | $15 |
| Convenience Fee - (Pay by Phone with Debit Card) | $5 |
| Teller Check Payable to 3rd Party | $3 |
| Document Research, General | $25 |
| Overnight Delivery | $30 |
| IAT (International ACH Transaction) | $10 |
| Levy / Legal Processing (Per Occurrence) | $50 |
| Money Orders | $1 |
| Money Orders - Non-Member | $3 |
| Notary Fee, Member (2 Free Signatures; More Than 2) | $10 |
| Notary Fee, Non-Member (Per Signature) | $10 |
| Paper Statement Fee ** | $2 |
| Returned Mail Fee | $5 |
| Special Courier Service | At Cost |
| Subpoena of Records (Per Occurrence) | $25 |
| Teller Check Payable to 3rd Party | $3 |
| Wire Transfer | |
| Incoming/Outgoing Domestic | $25 |
| Incoming/Outgoing Foreign | $50 |
| Loan Account Service Fees | |
| Beneficiary Demand Statement (Mortgage Payoff) (Per Item) | $50 |
| Cash Advance | |
| Our Card / Our Member / Our Office | 1% of Advance |
| Our Card / Our Member / Other Location | 3% of Advance |
| Non-Member / Non-VFCU Card | 3% of Advance |
| Forced Placed Insurance Collateral | $100 |
| GAP Insurance | $499 |
| Late Charges | Assessed per Term of Loan Agreement |
| Loan Processing Fee | $35 |
| Visa Card Replacement | $25 |
| Visa Card / Rush Replacement | $50 |
| Mechanical Breakdown Insurance | Varies by Year, Make, Model |
| Returned / Dishonored Payment | $35 |
| Subordination Agreement | $50 |
| Visa Late Charges | $20 |
| Other Services | |
| Non-Member Check Cashing (Payroll Only) | $5 |
| Bill Pay Services | |
| Expedited Payment | $14.95 |
| Overnight Payment | $19.95 |
| Payment Cancellation (by CU Staff) | $35 |
| ** Paper statement fee not charged to members 18 and under or 65 and over | |