| General
Fees |
| Product/Service |
Fee |
| Collection Items (Depending on Processing
Method) |
$5 to $25/item
|
| Fax
Service (Outgoing—up to 3 pages) |
|
Local Number
|
$2 |
Long Distance
|
$5 |
| Legal Notices/Court Order fee |
$25/occurrence |
| Check Cashing—(member) |
$2/check1 |
| Check
Cashing—(non-member) |
$3/check |
| Check Returned
to Credit Union |
$25 |
| Statement Copy |
$3 |
| Interim
Statement of Account |
$3 |
Transfer
of Funds from Savings to Checking Account
(in excess of 6 per month) |
$3 |
| Wire Transfers |
|
Domestic (to a financial institution)
|
$10 |
International (to a financial institution)
|
$40 |
Western Union (Domestic)
|
$15 |
Western Union (International)
|
Fee Varies2 |
| Travelers
Checks |
1% of purchase
amount |
| Travelers
Checks for Two |
1.5% of purchase amount |
| Travelers Cheque Card (reloadable) |
$14.95 |
| American Express Gift Card |
$3.95 |
| American Express Gift Cheque |
$2.50 |
| VISA® Gift Card |
$2.50 |
| Teller
Checks (withdrawal from account in form of a check) |
|
First teller check for members
|
Free |
Each additional teller check for members
|
$2 |
Each teller check for non-members
|
$3 |
| Cashier’s
Checks |
|
Members
|
$2 |
Non-members
|
$3 |
| Photocopy of Paid Check/Deposit Reconstruction |
$3 |
| Personalized Checks |
Fee Varies3 |
| Account
Research (minimum 1 hour) |
$15/hour |
Statement
Reconciliation4 (minimum 1 hour)
|
$15/hour |
| Closing
an Account less than 6 Months Old |
$10 |
Insufficient
Funds5—Check/ACH Draft/ATM/Debit/MasterCard®/VISA®
(Statement Descriptions: Withdrawal Fee, Withdrawal Overdrawn) |
$25 |
| Stop
Payment Order (must be in writing) |
$25 |
Stop Payment
Renewal6,7
|
$25 |
| Debit
Card Replacement |
$5 |
| ATM
Card Replacement |
$5 |
| Debit/ATM Card
PIN Re-issuance |
$2 |
| ATM
Transaction Fee at a Firstmark C.U. Owned/Shared or Allpoint Network |
None |
| Non-Firstmark
C.U. Owned/Shared ATM or Allpoint Network Transactions8 (Inquires, Withdrawals & Transfers are considered transactions. |
$1 |
|
ATM Surcharge for Non-Firstmark C.U. Account Transactions |
$1.75 |
| Late Payment Charge |
5% of payment due or $5, whichever is greater. |
| Coin Counting 9 |
3% |
| Holiday Account Early Withdrawal |
$10 |
| Member PrivilegeSM Fee5- |
|
Overdraft Courtesy (Statement Description: MBR Privilege Fee, Fee Withdrawal)
|
$25/item |
| Checking
Account Fees |
| Product/Service |
Fee |
Overdraft
Protection Transfer from Loan Account
(in excess of 6 per month) |
$1 |
Enriched
Checking
|
$5/month10
|
Enriched
Checking Plus
|
$7/month11 |
| Premier
Club Checking |
$7/month |
| Premier
Plus Club Checking |
$9/month |
| Premier Elite Checking |
$7/month |
| Premier eChecking |
$7/month |
| eChecking and Premier eChecking Account Inquiry via C.U. rep. |
$1/inquiry |
| Temporary
Checks |
First 10 Free |
Each additional set of 10
|
$2 |
| Credit
Card Fees |
| Product/Service |
Fee |
| Credit Card Replacement |
$5 |
| Special
“Rush Order” (covers FedEx charges) |
$20 |
| Intl' Purchase, Credit Voucher and Cash Disbursement |
1% per transaction |
| Late Payment Fee |
5% of payment due or $5, whichever is greater |
| Over-the-limit Fee (See Credit Card disclosure for complete fee schedule.) |
$10 |
| Money
Market/Checking Account Fees |
| Product/Service |
Fee |
| Withdrawals/Transfers
(in excess of 6 per month) |
$2 |
| Checks (in
excess of 3 per month) |
$2 |
| Safe
Deposit Box Fee |
| Box
Size |
Annual
Rental Fee
with Checking |
Annual
Rental Fee
without Checking |
| 3” x 5” |
$15 |
$20 |
| 5” x 5” |
$25 |
$30 |
| 3” x 10” |
$30 |
$35 |
| 5” x 10” |
$45 |
$50 |
| 10” x 10” |
$60 |
$65 |
NCUA DOES NOT INSURE SAFE DEPOSIT CONTENTS |
|
| ePayment
Online Banking Fees |
|
Members trying ePayment for the first time, will receive the first three, consecutive months at no charge. Your three months introductory period begins when you sign on.
How to Keep ePayment Free
The ePayment monthly charge starts at $4.95 per
month. Members can reduce the monthly fee or even
pay no charge at all by using certain Firstmark
Credit Union products and services. Review the
chart below to see which
products allow you to save or waive the ePayment
fee. The fee is deducted on the 10th day of the
following month (or next business day in the event
of a holiday or weekend).
|
|
| Eligible
Products/Services |
Member Cost (Single Services) |
Member Savings |
| Direct Deposit to Savings or Checking Account |
NO CHARGE |
$4.95 |
| Home Equity |
NO CHARGE |
$4.95 |
| Elite, Premier
Club, Premier Elite, Premier eChecking Checking Accounts |
NO CHARGE |
$4.95 |
| MasterCard®/VISA®
(with balance) |
$2.95 |
$2.00 |
| Consumer Loan
(with balance) |
$2.95 |
$2.00 |
| MasterMoney®
Debit Card* |
$3.95 |
$1.00 |
|
NOTE: Rates and terms
are subject to change. $4.95 is the maximum eligible
discount that will be allowed in order to receive
ePayment services at No Charge. Only one Firstmark
Credit Union account per member number is eligible
to receive ePayment services for No Charge. You
must have a Firstmark Credit Union checking account
to qualify for the use of Bill Pay services. You
may not use a Savings, Money Market Checking,
Kid$Club, or Axess Teen account with Bill Payment.
Eligible discounts are subject to additional qualifications.
*Active in the last six months.
1. Fee charged if members account balance is less than $100. Fee does not apply to Kid$Club or Axess if check is payable to minor.
2. Fee depends on dollar amount requested.
3. Fee depends on the style of checks ordered.
4. Charges for
statement copies are additional.
5. The insufficient funds/Member PrivilegeSM fee is imposed for overdrafts created by checks, in-person withdrawals, or by other electronic means.
6. After six months and must be in writing.
7. After 30 days and must be in writing for ACH
items.
8. Some ATM owners may charge an additional fee known as a "surcharge."
9. Does not apply to Kid$Club, Axess or organization accounts
10. Only if the balance falls below $750 during
the month.
11. Only if the balance falls below $1,000 during
the month.
|
|
|
