Fee Schedule
Effective February 1, 2024
SAVINGS ACCOUNT SERVICE DESCRIPTIONS | FEES |
Account Reconcilement / Research (Per Hour)* | $25 |
Dishonored Deposit* | $35 |
Excess ATM Withdrawal (>10 Per Month) | $2 |
Excess Transfer from Share Account (Per Item) | $2 |
Excessive (3+) Withdrawal from Money Market (Per Item) | $10 |
Inactive Account - No Activity After 5 Months (Per Month) | $5 |
IRA Annual Maintenance Fee | $20 |
Money Market Fee for Balances Under $5000 (Per Month) | $9 |
NSF Item, Returned* | $35 |
Statement Copies* | $2 |
CHECKING ACCOUNT SERVICE DESCRIPTIONS | FEES |
Account Reconcilement / Research (Per Hour)* | $25 |
Cashing Member Check by Non-Member (Per Item) | $5 |
Check Copies | $5 |
Courtesy Pay (Item up to $10) | No Charge |
Courtesy Pay (Item >$10 but <$25) | $10 |
Courtesy Pay (Item >$25) | $35 |
Debit Card or PIN Replacement | $25 |
Debit Card or PIN Replacement (Rush) | $50 |
Dishonored Deposit* | $35 |
Excess ATM Withdrawal (>10 Per Month) | $2 |
NSF Item -- Returned or Paid (Per Item) | $35 |
Statement Copies (Per Page)* | $2 |
Stop Payment, Check or ACH | $35 |
LOAN ACCOUNT SERVICE DESCRIPTIONS | FEES |
Beneficiary Demand Statement (Mortgage Payoff) (Per Item) | $50 |
Cash Advance: Our Card / Our Member / Our Office | 1% of Advance; $5 minimum |
Cash Advance: Our Card / Our Member / Other Location | 3% of Advance; $5 minimum |
Cash Advance: Non-Member or Non-VFCU Card | 3% of Advance; $5 minimum |
Forced Placed Insurance (Collateral Protection Insurance) | $100 |
GAP Insurance | $499 |
Late Charges | Assessed per Term of Loan Agreement |
Loan Processing Fee | $35 |
Mechanical Breakdown Insurance | Varies by Year, Make, Model |
Returned / Dishonored Payment | $35 |
Subordination Agreement | $50 |
Visa Late Charges | $20 |
Visa Lost Card or PIN (Per Item) | $25 |
Visa Lost Card or PIN (Per Item / Rush) | $50 |
ATM ACCOUNT SERVICE DESCRIPTIONS | FEES |
ATM Card Replacement | $25 |
ATM Card Replacement (Rush) | $50 |
CO-OP or VFCU ATM Withdrawal | No Charge |
Deposit Error Adjustment | $2 |
Non-CO-OP or Non-VFCU at VFCU ATM | $5 |
NSF from ATM Transaction / Empty Envelope | $35 |
Point of Sale Transaction | No Charge |
Return Item Adjustment | $35 |
GENERAL ACCOUNT SERVICE DESCRIPTIONS | FEES |
Bill Pay Services - Expedited Payment | $34.95 |
Bill Pay Services - Overnight Payment | $29.95 |
Bill Pay Services - Payment Cancellation by CU Staff | $35 |
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 up to $100; $9.95 over $100 |
Document Research, General (Per Hour, Minimum 1 Hour) | $25 |
IAT (International ACH Transaction) | $10 |
Levy / Legal Processing (Per Occurrence) | $50 |
Money Orders | $1 |
Money Orders - Non-Member | $3 |
Non-Member Check Cashing (Payroll Only) | $5 |
Notary Fee, Member (2 Free; Then >2 Signatures) | $10 |
Notary Fee, Non-Member (Per Signature) | $10 |
Overnight Delivery | $30 |
Paper Statement Fee ** | $2 |
Returned Mail Fee | $5 |
Special Courier Service | At VFCU Cost |
Subpoena of Records (Per Occurrence) | $25 |
Teller Check Payable to 3rd Party | $3 |
Wire Transfer - Incoming/Outgoing Domestic | $25 |
Wire Transfer - Incoming/Outgoing Foreign | $50 |
* Fee Shown in Multiple Categories | |
** Monthly/Quarterly Paper Statement Fees not charged to members 18 and under, or 65 and over |