| Membership Fee - One Time |
. . . . . . . . . |
$5.00 |
| Bad Address/Locator Fee |
. . . . . . . . . |
$5.00 |
| Notary Service - WCFCU Documents |
. . . . . . . . . |
FREE |
| Notary Service - All Others |
. . . . . . . . . |
$10.00 per signature |
| Notice of Escheatment - 1st Notice |
. . . . . . . . . |
FREE |
| Notice of Escheatment - 2nd/Final Notice |
. . . . . . . . . |
$2.00 |
| All Returned Items |
. . . . . . . . . |
$25.00 |
| WCFCU Draft Cash Fee - Non Member |
. . . . . . . . . |
$5.00 each |
| Excessive Withdrawl Fee (over 2 in one month) |
. . . . . . . . . |
$3.00 per transaction |
| Credit Union Check to a third party |
. . . . . . . . . |
$5.00 |
| WCFCU cross account transfer |
. . . . . . . . . |
$5.00 |
| Early share account closure (within 12 mos) |
. . . . . . . . . |
$15.00 |
| Early Christmas Club account closure |
. . . . . . . . . |
$15.00 |
| Early Certificate closure |
. . . . . . . . . |
$15.00 |
| Tax Levy |
. . . . . . . . . |
$25.00 per incident |
| Account verification (per request) |
. . . . . . . . . |
$10.00 |
| Copy of statement |
. . . . . . . . . |
$3.00 per month |
| Stop payment on CU check (before 10 days) |
. . . . . . . . . |
$6.00 |
| Printout of transactions/account history |
. . . . . . . . . |
$3.00 |
| Copy of credit union check |
. . . . . . . . . |
$5.00 |
| Account research/reconciliation |
. . . . . . . . . |
$35.00 per hour |
| Compliance with legal order |
. . . . . . . . . |
$35.00 minimum billing |
| Compliance with legal order - Records research/labor |
. . . . . . . . . |
$35.00 per hour |
| Compliance with legal order - Reproduction |
. . . . . . . . . |
$0.25 per page |
| Failure to furnish correct TIN |
. . . . . . . . . |
$50.00 |
| Overdraft protection transfer (loan or shares) |
. . . . . . . . . |
$5.00 per incident |
| Letter/declaration generation |
. . . . . . . . . |
$5.00 each |
| Photocopy request (not CU related) |
. . . . . . . . . |
$0.50 per page |
| Fax request (not CU related) - first page |
. . . . . . . . . |
$3.00 |
| Fax request (not CU related) - subsequent pages |
. . . . . . . . . |
$1.00 per page |
| Overnight delivery - using mbr vendor |
. . . . . . . . . |
$10.00 |
| Rolled coin fee |
. . . . . . . . . |
5% of deposit amount |
| Wire transfer (domestic) |
. . . . . . . . . |
$20.00 each |
| NSF debit items (ATM/POS/ACH) |
. . . . . . . . . |
$25.00 each |
| ACH stop payment |
. . . . . . . . . |
$6.00 each |
| Direct debit from another institution - first one |
. . . . . . . . . |
Free |
| Direct debit from another institution - subsequent debits |
. . . . . . . . . |
$20.00 each |
| HFS password reset - first time |
. . . . . . . . . |
Free |
| HFS password reset - subsequent ones |
. . . . . . . . . |
$2.00 each |
| Loan processing fee |
. . . . . . . . . |
$20.00 per application |
| GAP protection |
. . . . . . . . . |
$299.00 per policy |
| Mechanical Breakdwon Insurance |
. . . . . . . . . |
Varies |
| Auto Equity Loan processing fee |
. . . . . . . . . |
$150.00 |
| Reconveyance fee (auto/home) |
. . . . . . . . . |
$45.00 |
| Late charges (payment more than 10 days late) |
. . . . . . . . . |
20% of finance charges due - max $25.00 |
| Refinance Loan for interest rate reduction |
. . . . . . . . . |
$50.00 |
| Cancellation of loan by applicant (once loan has been prepared and funded) |
. . . . . . . . . |
$25.00 |
| Failure to provide collateral insurance |
. . . . . . . . . |
$25.00 |
| Lien satisfied for lost title |
. . . . . . . . . |
$10.00 |
| Name change on title initiated by the member |
. . . . . . . . . |
DMV fee + $10.00 |
| VISA Annual Fee - Program A |
. . . . . . . . . |
$15.00 |
| VISA Annual Fee - Program B |
. . . . . . . . . |
Free |
| VISA Cash advance - ATM |
. . . . . . . . . |
$1.00 |
| VISA Cash advance - OTC |
. . . . . . . . . |
$5.00 |
| VISA Cash advance - WCFCU |
. . . . . . . . . |
Free |
| Replacement card and/or PIN |
. . . . . . . . . |
$15.00 |
| Copy of VISA statement |
. . . . . . . . . |
$10.00 |
| VISA returned check/electronic payment |
. . . . . . . . . |
$25.00 |
| VISA sales draft copy |
. . . . . . . . . |
$5.00 |
| VISA item retrieval through merchant |
. . . . . . . . . |
$65.00 |
| Additional VISA card on the same account |
. . . . . . . . . |
Free |
| VISA late fee |
. . . . . . . . . |
$25.00 |
| VISA over limit fee |
. . . . . . . . . |
$25.00 |
| ATM transaction fee - first 10 |
. . . . . . . . . |
Free |
| ATM transaction fee - over 10 |
. . . . . . . . . |
$1.50 each |
| Initial ATM card fee |
. . . . . . . . . |
$5.00 |
| Replacement ATM card and/or PIN |
. . . . . . . . . |
$15.00 |
| Incorrect ATM deposit/adjustment |
. . . . . . . . . |
$10.00 |
| Point of Sale transaction |
. . . . . . . . . |
Free by WCFCU; merchant fee may apply |
| Reactiviation of ATM PIN - first |
. . . . . . . . . |
Free |
| Reactiviation of ATM PIN - subsequent |
. . . . . . . . . |
$2.00 each |
| Monthly Share Draft service charge if on payroll deduction, direct deposit, or minimum balance of $1,000, 55 y/o or a 20 year member |
. . . . . . . . . |
Free |
| Monthly Share Draft service charge |
. . . . . . . . . |
$5.00 |
| Overdraft protection transfer (loan or shares) |
. . . . . . . . . |
$5.00 per incident |
| Closure of checking account (within 12 mos) |
. . . . . . . . . |
$15.00 |
| Returned item (draft, deposit, pre-auth, or payment) |
. . . . . . . . . |
$25.00 |
| Stop payment (single or range) |
. . . . . . . . . |
$6.00 each |
| Photocopy of paid item - first two items |
. . . . . . . . . |
Free |
| Photocopy of paid item - over two items |
. . . . . . . . . |
$3.00 each |
| Share draft printing |
. . . . . . . . . |
Printer charge |
