| Valued Members Credit Union A.K.A. Vickers Employees Credit Union |
| New Fees & Rules Effective May 1, 2003 |
| |
| Minimum Balance on Regular Share Account |
$25.00 |
| Minimum Balance on Youth Accounts and ATM Accounts (must have $25.00 in Regular Share Account Also) |
$25.00 |
| Minimum Balance on Share Draft Accounts (that do not require a minimum balance above this amount) (must have $25.00 in Regular Share Account Also) |
$25.00 |
| Dividends on Club, Regular Share, and Dividend-Bearing Share Draft Account (must have $25.00 in Regular Share Account Also) |
Current Market |
| No Fee for any transfers made through Audio Response |
|
| Fee for transfers made by Credit Union (instead of through Home Banking or Audio Response) |
$2.00 Each |
| Member gets One Free Withdrawlal at the Credit Union from ATM or Checking Accounts Per Month |
|
| Fee for Withdrawal after One Free Used |
$10.00 |
| Withdrawals from Regular Savings |
Free |
| Inactive Accounts |
$10.00 |
| Check Order Prices Vary depending on the Item and will be billed to the Members |
|
| Replacement ATM Card Fee will Vary depending on the Account Type |
|
| ATM Withdrawals at Foreign ATM's (those not on CU24) |
$0.50 |
| Withdrawals at Credit Union ATM or at CU24 ATM Locations |
FREE |
| Fee for Foreign Cards Used at Our ATM |
$1.50 |
| Late Fee for Loan Payments |
4% or $5.00 (which ever is greater amount) |
| Loan Application Fee (includes free Loan payment book) This Fee cannot be waived and is for approved and unapproved applications |
$10.00 |
| NSF Fee on Checks Deposited to the Credit Union (Drawn on Other Financial Institutions) |
$35.00 |
| NSF Fee on Checks Drawn on Checking Account at the Credit Union |
$25.00 |
| NSF Fee from ACH Items Through Any Account the Member has with the Credit Union |
$25.00 |
| Stop Payment Fee on Share Draft Items of ACH Items |
$25.00 |
| Fee for Repost of Rejected Checks after ACH Deposit has Been Made |
$5.00 |
| Fee for Clearing a Rejected Check Against Uncollected Funds of Funds Deposited on the Same Day |
$12.50 |
| Fee for Transfer from Share Account to Cover Share Draft Items (if no form has been signed and/or not on the System) |
$5.00 |
| Fee for Copy of Checks or Statements (per check or statement) |
$5.00 |
| Fee for Printed Copy of History (history consists of transactions on account since last statement date) |
$2.00 Per Page |
