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