Formerly known as Kaiperm North Bay FCU. Now you know us as Befit Financial FCU! We have always been proud to serve the healthcare community since 1957. Be Happy, Be Healthy, Be Fit Financial!
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Loan Rates Savings Rates Certificate Rates Fees

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
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