Fee Schedule

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: March 1, 2021

Savings Accounts
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 $8.00 per notice
NSF $45.00 per item
Returned Item $45.00 per item
Stop Payment $25.00 per item
Check Printing Prices may vary depending upon style ordered
Copy of Check $5.00 per copy
Temporary Checks $2.00 per sheet
Other Service Fees (applicable to all 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)
• Must maintain $5.00.
• If you don’t you will be charged $7.00 per month
• The account is exempt if the member number has a loan
Account Reconciliation $50.00 per hour
Account Research $50.00 per hour
Dormant Account Fee $9.00 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
Escheat Fee $15.00 if an account is sent to the State of New Jersey if dormant for 3 years
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Stop Payment of Withdrawn Check $25.00 per item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Copy of Withdrawn Check $5.00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 $5.00 each
Cashiers Check $5.00 each
Western Union Money Order $20.00 item
Remail of W-9 Form $6.00 per item
Lien or Levy $150.00 per notice
Copy of a Check Deposited Into Your Account $6.00 per item
IRS Backup Withholding $150.00 per notice
Locating Fee (for any correspondence returned for incorrect address) $3.00
Return statement fee (when the 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 the 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 Transaction Six (6) free, thereafter $2.00 per item, 13-20 the fee is $3.00 per item, 20 or more the fee is $4.00 per item, if combined balances in the primary savings & checking balances fall below $2,500.00 during the month
Debit card overdraft protection $4.00 per item if a member has opted in the service; members that are opted out do not have overdraft protection for debit card transactions
PAM (Personal Account Manager)

 

If you are signed up for PAM, with or without Bill Pay, and PAM is inactive for 6 months the fee is $2.00 per month
PAM (Personal Account Manager) without

E-statements

$2.00 per paper statement
PAM (Personal Account Manager) & Bill Pay FREE
Bill Pay Overnight Check $14.95 per item
Bill Pay Same day $9.95 per item
Popmoney send: Free 3-day
Popmoney receive: Free 3-day
Popmoney send next day: $2.00 per item
Popmoney stop payment $25.00 per item
Popmoney E-greeting $.50 per item
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 No charge
ATM/VISA Check Card Inactive Fee $12.00 per year if a card is inactive for 12 months
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 $25.00 per item
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), $5.00 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 $8.00 per notice
NSF $45.00 per item
Returned Item $45.00 per item
Stop Payment $25.00 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), $5.00 per item thereafter
Minimum Balance Fee $15.00 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), $5.00 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 $8.00 per notice
NSF $45.00 per item
Returned Item $45.00 per item
Stop Payment $25.00 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), $5.00 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 $8.00 per notice
NSF $40.00 per item
Returned Item $40.00 per item
Stop Payment $25.00 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), $5.00 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
Account Verification Fee: $10.00 per verification
Checking Cashing/Non-members $2.50 if a non-member wants to cash a member’s check

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