Membership Fees
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| New Membership |
One-time fee: Not applicable to Youth Accounts |
$5/membership |
$5/membership |
Checking Account Fees
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| Checking Account |
Monthly Fee |
$5 |
FREE |
| Non-Sufficient Funds |
NSF per item returned |
$34 |
$34 |
| Courtesy Pay |
Per item paid |
$34 |
$34 |
| Overdraft Transfer |
Per transfer made |
$5 |
FREE |
| Stop Payment |
Per stop placed |
$28 |
$25 |
| Stop Payment Cancellation |
Per stop payment canceled |
$10 |
$5 |
| Checks |
Variable depending on the style |
Variable |
Variable |
| Photocopy of Check |
Per copy |
$7 |
$5 |
| Original Check |
Per original item |
$15 |
$10 |
| Temporary Checks |
12 checks |
$5 |
FREE |
Other Service Fees
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Applicable to all accounts |
|
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| Account Reconciliation |
Per hour |
$25 |
$20 |
| Account Research |
Per hour |
$25 |
$20 |
| Account Close & Reopen |
Not applicable when due to fraud or lost/stolen checks |
$30 |
$30 |
| Account Closed within First 90 Days |
Per membership |
$5 |
$5 |
| Deposited Item Returned |
Per item |
$25 |
$20 |
| Deposited Item Returned on Self |
Per item |
$35 |
$35 |
| NSF on Automatic Loan Payment |
Per item |
$15 |
$10 |
| Paper Statements |
Per month |
$3 |
FREE |
| Statement Copies |
Per copy |
$3 |
1st 3 FREE per month |
| Interim Statement or Account Printout |
Per item |
$3 |
FREE |
| Incorrect Address |
Per month |
$5 |
$5 |
| Returned Mail |
Per item – excluding paper statements and marketing materials |
$1 |
$1 |
| Inactive Account |
Per month – applied after 12 months of inactivity on accounts less than $500. Accounts owned by minors are excluded. |
$10 |
$10 |
| Escheat Processing |
Up to: |
$25 |
$25 |
| Items Sent for Collection |
Per item |
Variable |
Variable |
| Foreign Item Cash Letter/Collection |
Per item up to: |
$40 |
$40 |
| Wire Transfer – Incoming |
Per transfer |
FREE |
FREE |
| Wire Transfer – Outgoing |
Per transfer |
$20 |
$15 |
| Wire Transfer – International |
Outgoing – per transfer |
$50 |
$40 |
| Certified Check |
Per item certified |
$2 |
FREE |
| Velocity CCU Bank Check Withdrawal |
Per single day |
1 FREE – $2 each additional check |
FREE – unlimited |
| Stop Payment on VCCU Bank Check |
Per stop placed |
$28 |
$25 |
| Photocopy of VCCU Bank Check |
Per item |
$7 |
$5 |
| Unpresented VCCU Bank Check |
Per item |
$25 |
$20 |
| Exchange of Personal Check for VCCU Bank Check |
Non-Members: $5.00 per item |
FREE |
FREE |
| Coin Machine |
Non-Members: 7% of total |
FREE |
FREE |
| Pay-by-Phone |
Call for a free quote |
Variable |
Variable |
| Notary or Signature Guarantee |
Members only |
FREE |
FREE |
| Express Mail |
Per item |
$25 |
$25 |
| Paper Title Processing |
Per title plus State fee (variable) |
$5 |
$5 |
Electronic Funds Transfer Fees
|
Applicable to all accounts |
|
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| VISA Debit Card |
|
FREE |
FREE |
| Replacement Card |
Per card |
$10 |
$5 |
| Stop Payment on a Recurring, Pre-authorized, VISA Debit Transaction |
Per item |
$28 |
$25 |
| Overdrawn Debit Card |
Per item |
$34 |
$34 |
| Proprietary ATM |
|
FREE |
FREE |
| Non-Proprietary ATMs**Withdrawal |
Per transaction |
$2 |
$2 |
| Non-Proprietary ATMs** Balance Inquiry |
Per inquiry |
$1 |
$1 |
| Institution-to-Institution (I2I) – Incoming |
Per transfer |
FREE |
FREE |
| Institution-to-Institution (I2I) – Outgoing |
Per transfer |
$5 |
$5 |
| Institution-to-Institution (I2I) Next Day – Incoming |
Per transfer |
$3 |
$3 |
| Institution-to-Institution (I2I) Next Day – Outgoing |
Per transfer |
$8 |
$8 |
| Loan Payment paid using Debit Card |
Per payment |
$7.95 |
$7.95 |
Bill Pay Fees
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| Online Bill Pay |
Per month |
FREE |
FREE |
| Photocopies |
Per item |
$7 |
$5 |
| Bill Pay Stop Payment |
Per item |
$25 |
$20 |
| Inactive Bill Pay |
Per month |
$5 |
$5 |
Shared Branching Fees
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|
|
| Deposited Item Returned |
Per item |
$25 |
$20 |
| Deposited Item Returned on Self |
Per item |
$35 |
$35 |
| Cash Withdrawal |
Per transaction |
$2 |
$2 |
| Balance Inquiry |
Per inquiry |
$1 |
$1 |
Collection Fees
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| Tax Levy/Garnishment |
Per item |
$50 |
$50 |
