Fee Schedule

The rates and fees appearing in the Schedule are accurate and effective for accounts as of the Effective Date indicated below. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union or email service@gardenstatefcu.org.

Effective Date: February 1, 2014

Savings Accounts

Minimum Balance Fee Per Member Number: Primary Savings, Other Savings, Personal Savings, Primary Checking, Other Checking, Vacation Club, Christmas Club and Certificate of Deposit (Excluding IRA Certificate of Deposit)

combined balances less than $100 after being a member of the credit union for 4-months: $1.00 per month

Christmas Club

Early Withdrawal Fee/Early Closure $7.50

Vacation Club

Early Withdrawal Fee/Early Closure $7.50

Checking Account Fees

Overdraft

$45.00 per item.

Overdraft protection for ACHs and share drafts

$6.00 per notice.

NSF

$45.00 per item.

Returned Item

$45.00 per item.

Stop Payment

$20.00.

Check Printing

Prices may vary depending upon style ordered.

Copy of Check

$5.00 per copy.

Other Service Fees (applicable to all accounts)

Account Reconciliation

$50.00 per hour.

Account Research

$50.00 per hour.

Dormant Account Fee

$7.50 per month if all of the following apply:
• Member number has been dormant for at least twelve months
• Combined balances under the member number, including IRAs, is below $150.00
• There are no outstanding loans or credit cards under the member number.

Item Return

$20.00 per item.

Outgoing Wire Domestic (outgoing)

$25.00 per transfer.

Outgoing Wire International (outgoing)

$40.00 per transfer.

Legal Process

$100.00 per notice.

Stop Payment of Withdrawn Check

$20.00 per item.

Redeposit Item

$16.00 per item.

Copy of Withdrawn Check

$5.00.

Copy of Interim Statement/or regular statement

$5.00 per statement.

Account History

$1.00 per screen.

Money Order

$4.00.

Cashiers Check

$4.00.

Western Union Money Order

$20.00 item.

Remail of W-9 Form

$6.00 per item.

Lien or Levy

$100.00 per notice.

Copy of a Check Deposited Into Your Account

$6.00 per item.

IRS Backup Withholding

$100.00 per notice.

Locating Fee (for any correspondence returned for incorrect address)

$3.00

Return statement fee (when statement is returned to us that the post office cannot forward)

$3.00

Re-open closed account fee (if any closed share type is reopened within 6 months from date it was closed)

$5.00

Electronic Funds Transfer Fees

Audio Response

Six (6) free sessions per month, $0.50 thereafter.

Replacement of Lost ATM/Visa Check Card

$7.00 per card.

Remail VISA/ATM Pin Number

$2.00 per mailer.

ATM Excessive usage fee

Six (6) free, thereafter $1.00 per item.

Debit card overdraft protection

$4.00 per item if member has opted in the service; members that are opted out do not have overdraft protection for debit card transactions

PAM (Personal Account Manager) with          E-statements

E-statement free (if signed up for PAM)

PAM (Personal Account Manager) without     E-statements

$1.00 per paper statement

PAM (Personal Account Manager) & Bill Pay

FREE

Copy of Bill Pay Check/ACH

$8.00 per item.

Search Items

$50.00 per hour.

Returned Item

$45.00 per item.

Overdraft

$45.00 per item.

Overdraft protection for ACHs and share drafts

$4.00 per notice.

Return Item Fee

$45.00

ATM/VISA Check Card Annual Fee

$12.00

Credit Union Membership

Membership Share

$5.00 par value.

Sunrise Checking (50+) Account Fees

Overdraft

$45.00 per item.

Overdraft protection for ACHs and share drafts

$6.00 per notice.

NSF

$45.00 per item.

Returned Item

$45.00 per item.

Stop Payment

$20.00.

Check Printing

Standard checks are FREE

Copy of Check

$5.00 per copy.

Silver Money Market Savings Account Fees

Withdrawals, Transfers out and Electronic withdrawals

combined per month six (6), $1.00 per item thereafter.

Minimum Balance Fee

$10.00 if the balance falls below $2,500 during the month

Silver Money Market Checking Account Fees

Overdraft

$45.00 per item.

Overdraft protection for ACHs and share drafts

$6.00 per notice.

NSF

$45.00 per item.

Returned Item

$45.00 per item.

Stop Payment

$20.00 per check

Check Printing

1/2 price on standard checks

Copy of Check

$5.00 per copy.

Withdrawals, Transfers out and Electronic withdrawals and Checks

combined per month, six (6), $1.00 per item thereafter.

Minimum Balance Fee

$10.00 if the balance falls below $2,500 during the month

Gold Money Market Savings Account Fees

Withdrawals, Transfers out and Electronic withdrawals

combined per month, six (6), $1.00 per item thereafter.

Minimum Balance Fee

$15.00 if the balance falls below $10,000 during the month

Gold Money Market Checking Account Fees

Overdraft

$45.00 per item.

Overdraft protection for ACHs and share drafts

$6.00 per notice.

NSF

$45.00 per item.

Returned Item

$45.00 per item.

Stop Payment

$20.00 per check

Check Printing

Standard checks FREE

Copy of Check

$5.00 per copy.

Withdrawals, Transfers out and Electronic withdrawals and Checks

combined per month, six (6), $1.00 per item thereafter.

Minimum Balance Fee

$15.00 if the balance falls below $10,000 during the month

Platinum Money Market Savings Account Fees

Withdrawals, Transfers out and Electronic withdrawals

combined per month, six (6), $2.00 per item thereafter.

Minimum Balance Fee

$15.00 if the balance falls below $25,000 during the month

Platinum Money Market Checking Account Fees

Overdraft

$40.00 per item.

Overdraft protection for ACHs and share drafts

$6.00 per notice.

NSF

$40.00 per item.

Returned Item

$40.00 per item.

Stop Payment

$20.00 per check

Check Printing

Standard checks FREE

Copy of Check

$5.00 per copy.

Withdrawals, Transfers out and Electronic withdrawals and Checks

combined per month, six (6), $2.00 per item thereafter.

Minimum Balance Fee

$15.00 if the balance falls below $25,000 during the month

IRA savings / CD Fees

Pre-59 1/2 Withdraw fee (excluding rollover or direct transfer)

$25.00 per item.

Other Service Fees:

 

Account Closure fee:

$5.00 if closed within 6-month of opening account.

Checking Cashing/Non members

$2.50 if non-member wants to cash a member’s check.

 


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