Service Charge Schedule
At AHCU, we keep our fees low to cover only the costs required to provide these services. Compare our fees with those of other financial institutions to see the difference.
| Share Account Charges | |
|---|---|
| Account Activation Fee | $15.00 (Will be charged to reactivate account within 6 months of account closing date) |
| Early Account Closure (6 months or less after opening) |
$10.00 |
| Monthly Inactivity | $10/Month if Share account has no activity in a 1-year period with a balance under $300.00 and no other Credit Union services (excluding minor accounts under the age of 18) |
| Money Market Minimum Balance | $10/Month if minimum balance not maintained |
| Money Market Withdrawals |
$5.00 for every money market withdrawal after 6 per month
|
| Checking Account Charges | |
|---|---|
| Overdraft | $35.00/Item Fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. |
| Return Item | $35.00/Item (Maximum $175.00 per day) |
| Stop Payment | $35.00/Item (over the counter or by phone) $25.00/check (self-initiated online – drafts only) |
| Overdraft Transfer (courtesy transfer from savings to checking) | FREE |
| E-Z Checking Fee | $4.95 if standard features are not chosen. Standard Features: Debit Card, Access*Online, E Statements |
| Check Printing | Prices may vary depending upon style. |
| Debit Card Inactivity Fee | After 12 months of non-use; $1 per month, for every 30 days of inactivity |
| Copy of Check | $5.00/Check |
| Check Cashing | 2% or $10/check whichever is greater. Applies to all Non-members as well as members with no additional services and no matching funds. |
| Electronic Funds Transfer Fees | |
|---|---|
| Nonproprietary ATM Withdrawal/Transfer | $5.00/After the first 4 free 4 Nonproprietary ATM Withdrawals per Month Without a Charge |
| Return Item | $35.00/ATM or ACH Item |
| Foreign Transaction Fee-ISA | 2% |
| Express Card Delivery Fee | $50.00 |
| Replacement Card | $15.00/Card |
| Wire Transfer - Incoming | $15.00/Transfer |
| Wire Transfer - Outgoing | $35.00/Transfer |
| Wire Transfer - Foreign Outgoing | $70.00/Transfer |
| Account Fees | |
|---|---|
| Account Reconciliation | $30.00/Hour, 1 hour minimum |
| Account Research | $30.00/Hour plus retrieval fees, 1 hour minimum |
| Statement Copy | $5.00/Copy |
| Deposited Item Return | $8.00/Item |
| History Printout | $2.00/Page |
| Verification of Deposit | $10.00/Verification |
| Telephone Transfer | $2.00/Transfer |
| Canadian Check Deposit | $25.00 |
| $6.00/Check | |
| Stop Pay Cashier's Checks | $35.00/Check |
| Trust Account Set Up | $20.00 |
| Loan Related Fees | |
|---|---|
| Propay Online Loan Pmt | $5.95 be eCheck or Debit Card |
| Propay Online Ret. Pmt. Fee | $35.00 |
| Replacement: Lien Release | $25.00/Release |
| Mortgage Satisfaction | $50.00/Satisfaction |
| Mortgage Subordination | $200.00 |
| Loan Late Fee | $25.00 or 5% (whichever is greater) |
| Loan Rewrite/Loan Extension | $100.00 per extension |
| Loan Rate Step Down Fee | $100.00 per loan (once per term of loan) |
| Loan Coupon Book | $20.00 |
| Skip a Payment | $60 each |
| Unperfected Title Fee | $35.00/Month |
| Return Loan Payment Fee | $35.00 |
| Visa Related Fees | |
|---|---|
| Visa Gift CArds | $4.50/Card |
| Visa Re-loadable Card | $4.50/Card |
| $5.50/Personalized Card | |
| Visa Cash Advance | 2% or $10.00/Advancement (whichever is greater) |
| Miscellaneous Fees | |
|---|---|
| Coin Currency Order Fee | $0.25/Coin Roll |
| $0.50/Currency Strap | |
| Fax/Photocopy Service | $2.00/Page |
| Incorrect Address/Return Mail | $15.00/Returned Statement |
| Levy/Garnishments | $75.00 |
| 1098/1099 Copies | $10.00 |
| CPI Processing Fee | $35.00 |
| Mail Receipt Fee | $2.00 |
| Escheatment Processing Fee | $100.00 |
| Collection Processing Fee | $35.00 |
