SCHEDULE OF FEES
(Effective date August 16, 2010) |
| Share/Savings Account Fees |
|
Membership Fee
Early Account Closing: Upon closing (Close member account within 3 months of opening)
Account Closing: Due to insufficient funds abuse
Dormant / Inactive account (no activity within 24 months)less than $100.00 no other services)
Dormant account monthly fee
Reg D - 6 automatic Transfer Limit met, per item(Federal Reg D permits a total of six
transfers from each savings account by telephone, home banking or pre-authorized
order each month). A charge will be assessed for each manual transaction after six.
Transfer from shares to cover overdraft
Reopening account - within 3 month period
|
$5.00
$10.00
$3.00
$5.00
$3.00
$3.00
$10.00
|
| Share Draft/Checking Account Fees |
|
Early Account Closing: Upon closing (Close member account within 3 months of opening)
Returned Item, (NSF), per item
Paid overdraft (NSF), per item
Reg D - 6 Automatic Transfer Limit Met, per item (Federal Reg D permits a total of six
transfers from each share draft account by telephone, home banking or pre-authorized
order each month). A charge will be assessed for each manual transaction after six.
Notification of overdraft protection transfer
Dishonored ACH (Automated Clearing House) Payments, per item (returned)
Dishonored ACH (Automated Clearing House)Payments, per item (paid)
NSF transactions which can not be covered by transfers from shares will be assessed
NSF fees at the time they clear.
ACH (Automated Clearing House) origination fee, per item: setup
ACH (Automated Clearing House) stop pay / return
Stop payment order: single check
: series of checks (book)
Counter checks, (4 to a sheet)
No cashing of counter checks
Manual processing of check, per item
Statement/Checkbook reconciliation, minimum $10.00
Check printing, depending on style
Photo copy of your "paid" check, per item (account research fee will apply)
Original of your "paid" check, per item (available for 30 days)
Research fee, minimum $10.00
Foreign check currency conversion
|
$10.00
$30.00
$30.00
$3.00
$3.00
$30.00
$30.00
$25.00
$20.00
$20.00
$25.00
$2.00
-
$2.00
$25.00/hr
varies
$2.00
$0.20
$25.00/hr
1%
|
|
Deposits
|
|
Member deposits NSF check:
written on themselves
received from Non-member
received from another member
|
$25.00
$10.00
10.00
|
|
Other Fees
|
|
Print out of Account History, per page
Statement Copy, per page
Check copies
Money Orders, each (Dakota Legends will receive 10 free per month)
Credit Union Check (No fee if payable to member)
Cashier's Check (No fee if payable to member)
Stop Payment on lost or stolen Credit Union Checks
(Corporate)Member to Member transfers
Wire Transfer Out: Domestic
: Foreign
Wire Transfer In: Domestic
: Foreign
Fax Fee -
Fax Fee - long distance
International Fax -
Check cashing, per item (to cash checks totaling $50 or more), $5.00 fee
(No fee if under 18 years of age, cashing check on Dakota Star FCU member's account,
member has a savings balance over $200.00 or member has multiple accounts)
Cashing non-member checks - not done
Cashing non-member gov't checks - not done
Address correction
Title Handling Fee, per title
Perfection of Title, depending on state
Subordination of Mortgage Fee (Charged when a subordination of a mortgage to another
lender is requested)
Loan Amortization
Loan Extension fee - no more than two extensions per life of loan
Loan Refinance fee (in house)
Loan Re-write fee
(Only when changing an item on an existing loan, such as reducing rate or changing
collateral)
Late Fees - 5% or $25.00, whichever is greater. Happen on the 11th day loan is past due
Grace Period - before late fee occurs. 10 days or less the loan is past due.
Redraw of Home Equity paperwork (missed appointment)
Collateral Protection administration fee
Repossession administative fee
Duplicate title handling fee
Multiple Currency Foreign Transaction Fee (VISA credit card)
Single Currency Foreigh Transaction FEE (VISA credit card)
VISA late fee
VISA NSF payment fee
Certified Letter fee
Coin cashing - member
Coin cashing - non-member
Pre-paid VISA reloadable card
Pre-paid VISA reloadable travel card
Pre-paid VISA reloadable youth card
Pre-paid VISA gift card
Pre-paid reload fee
|
$2.00
$2.00
$3.00
$1.50
$2.00
$2.00
$20.00
$2.00
$35.00
N/A
$0.00
N/A
$3.00
$5.00
N/A
$5.00
$5.00
$10.00
varies
$25.00
$5.00
$30.00
$30.00
$50.00
5% or $25.00
$25.00
$50.00
$50.00
$5.00
1%
1%
$20.00
$25.00
$6.00
FREE
1%
$6.00
$9.00
$6.00
$3.00
$4.95
|
|
ATM (Automated Teller Machine) Fees
|
|
Overdraft by ATM withdrawal, per item
NSF transactions which can not be covered by transfers from shares will be assessed
NSF fees at the time they clear.
Withdrawal at ATM (six free per calendar month) each withdrawal over six = $1.00 (Except at any on site Wells Fargo ATM )(no fee)
Reg D - 6 Automatic Transfer Limit Met, per item (Federal Reg D permits a total of six
transfers from each savings account by telephone, home banking or pre-authorized
order each month). A charge will be assessed for each manual transaction after six.
Replacement card (lost, stolen or damaged)
Replacement card (card has been statused due to insufficient funds abuse)
ATM pin number
International Transaction Fee
|
$30.00
More than 6
per month -$1.00
$3.00
$10.00
$25.00
$3.00
1%
|
|
Check (Debit) Card Fees
|
|
Overdraft by Check (Debit) card, per item
NSF transactions which can not be covered by transfers from shares will be assessed
NSF fees at the time they clear.
Withdrawal at ATM (six free per calendar month) each withdrawal over six = $1.00 (Except at any on site Wells Fargo ATM )(no fee)
Reg D - 6 Automatic Transfer Limit Met, per item (Federal Reg D permits a total of six
transfers from each savings account by telephone, home banking or pre-authorized
order each month). A charge will be assessed for each manual transaction after six.
Replacement card (lost, stolen or damaged)
Replacement card (card has been statuses due to insufficient funds abuse)
International Transaction Fee
|
$30.00
More than 6
per month -$1.00
$3.00
$10.00
$25.00
1%
|
|
Other Service Fees
|
|
Notary Service
members
non-members
|
$ 0.00
$ 0.00
|
