Fee Schedule

Effective January 1, 2023

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 WithdrawalNo 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 TransactionNo 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 ServiceAt 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 Office1% of Advance
Our Card / Our Member / Other Location3% of Advance
Non-Member / Non-VFCU Card3% of Advance
Forced Placed Insurance Collateral$100
GAP Insurance$499
Late ChargesAssessed per Term of Loan Agreement
Loan Processing Fee$35
Visa Card Replacement$25
Visa Card / Rush Replacement$50
Mechanical Breakdown InsuranceVaries 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