Loan Rates Savings Rates Certificate Rates Fees Fee Schedule

Effective as of: November 1, 2014
Fee Schedule Effective 11/01/14
Share Account Fees
Membership Fee$5.00
Account Closure Fee (if within 90 days of opening)$25.00
Excess Withdrawal Fee (after 3 per month)$5.00
Withdrawal Below Minimum Share Balance$5.00 per occurrence
Inactive Account (after 2 years of inactivity)$5.00 per quarter
Youth Account Fees
Membership Fee$1.00
Account Closure Fee (if within 90 days of opening)$25.00
Excess Withdrawal Fee (after 3 per month)$5.00
Christmas Club Fees
Christmas Club Early Withdrawal Fee$5.00 per occurrence
Checking Account Fees
Overdraft Protection (from Shares/Loan)$3.00 per transfer
Non-sufficient funds item - Returned (each)$25.00
(Applies to Share Drafts and ACH).
Non-sufficient funds item - Courtesy Paid (each)$35.00
(Applies to Share Drafts, ACH and Check Card)
Stop Payment draft/ACH Item (each)$20.00
Stop Payment draft (range)$25.00
Paid Check Copy each (after 2 per month)$3.00
Regular Checking Monthly Service ChargeNone
Fresh Start Checking Monthly Service Charge$20.00
Check OrdersVaries
VISA ATM / Debit Card Fees
Annual Fee with Direct DepositFree
Annual Fee without Direct Deposit$25.00
1st Time Issued CardFree
Replacement Card$10.00
Replacement Card (after first 3 cards)$50.00
Replacement PIN$10.00
Replacement Card/PIN Rush OrderAt Cost
Receipt Retrieval$20.00
Point of Sale TransactionsFree
Usage at Befit Financial FCU ATMsFree
Usage at other ATMs (after 4 free uses per month)$2.00 per transaction
ATM Deposit Adjustment Fee$7.50
Empty Envelope$25.00
International Transaction Fee1.00% of transaction amount
General Fees
Teller Checks Payable to Third Party$7.50
Teller Checks Payable to memberFree
Copy of Teller Check (each)$5.00
Stop Payment on Teller Check$25.00
Money Order$2.00
Copy of Statement beyond current month (each)$4.00
Other Document Copies (each)$4.00
Garnishments / Levies / Legal Orders / Collections$35.00
Verification of Deposit letters/forms$10.00
3rd Party Letter$15.00
Returned Mail / Address Verification$5.00
Account Research / Reconciliation (per hour)$25.00 minimum
Returned Deposit Item$15.00
Returned Deposit Item Drawn from Your Account Elsewhere$25.00
Foreign Check Collections$25.00
Merchant Collection10% of Check Amount
Member Check Cashing (waived w/ active checking, loan, or direct deposit)$5.00
Non-member Check Cashing - $0-250$5.00
Non-member Check Cashing - $251-500$10.00
Non-member Check Cashing - $501$20.00
Incoming Wire TransferFree
Outgoing Domestic Wire Transfer$25.00
Outgoing International Wire Transfer$50.00
Online BankingFree
Bill Payer (requires Share Draft account)Free
Audio ResponseFree
Text BankingFree
Mobile BankingFree
Access Card Replacement Fee$5.00
Lien Satisfied / Duplicate Title Fee$20.00
Demand for Payoff$50.00
Reconveyance Fee$50.00
Subordination Fee$75.00
Refinance Consumer Loan Application Fee$150.00
Loan Payment Deferment$25.00
Special Services / 3rd Party FeesAt Cost
Notary Fee (per signature)$10.00
Telephone Concierge$2.00
Prepaid Items
Visa Gift Card (each)$4.50
Visa Reloadable Debit Card$5.50