GENERAL FEES – ALL ACCOUNTS
| Paper Statement (Free ages <18 & 65+) $2.00 |
Account Closure Fee (0-90 days) $5.00 |
| Account Research/Reconciliation (Hourly) $40.00 |
History Printout $2.00 per month |
| ACH/EFT Insufficient Funds $26.95 |
ATM Only Card (Per Withdrawal) $1.50 |
| ACH/EFT Stop Payment (per submission) $26.95 |
Dormant Account $30.00 |
| Bad Address Fee First Item = $2.00 Additional Months (each) = $1.00 |
Non JCU / Non CO-OP ATM Fee First 4 each month = Free Each Additional = $2.00 |
| Deposit of Foreign Collection Item $25.00 |
Non-Member Check Cashing Fee $3.00 |
| Immediate Coin Processing (Unless Child) 10% of total |
Official Statement Copy $5.00 |
| Safe Deposit Box Rental (Annual) Contact Branch (Excludes Midvale) |
Credit Card Advance from other Financial Institution $15 per $500 |
| JCU Certified Check: (each) Member = $1..00 Non-Member = $3.00 |
Gift Cards Less than 20 = $3.00 (each) More than 20 = $2.00 (each) |
| Stop Payment on a Certified Check $26.95 |
Legal Processing Fee Up to $100.00 |
| Notary Service: Up to Three Notarizations = Free Each Additional Notarizations = $10.00 Non-Members = $10.00 |
ATM Empty Envelope Fee $30.00 |
| Wire Transfers Outgoing (Within USA) = $30.00 Outgoing (Foreign) = $45.00 Incoming = Free |
Return of Deposited Check or Draft: Personal = $26.95 Executive Business Checking = $5.00 All Others = $9.95 |
| Inactive Account Monthly = $2.50 No activity for 18+ months, balance $30 or less, member age 22+, no credit card |
CHECKING (SHARE DRAFT) ACCOUNTS
| Online Bill Pay Access Free |
Canceled Check Copy – Using Online Banking Free |
| Online Bill Pay Stop Payment $26.95 |
Canceled Check Copy – Using JCU Staff $4.95 |
| Courtesy Pay (per covered item) Deficit <$5 = $4.95 All Other = $19.95 |
Advantage Monthly Fee with Direct Deposit & eStatements = $10.00 with Direct Deposit = $15.00 w/o Direct Deposit = $20.00 |
| Insufficient Funds Check $26.95 |
VISA DEBIT & CREDIT CARDS
| Visa Debit & Credit Cards Annual Fee Free |
Card Replacement $5.95 |
| Visa Late Payment – 15 days and Greater (Per Missed Payment) $25 or 5% (whichever is greater), $35.00 maximum |
Card Replacement Rush (Mail) $40.00 |
CONSUMER LOANS
| Late Payment – 15 days and Greater (Per Missed Payment) $25.00 or 5% (whichever is greater), $50 maximum |
Collection Account Loan Payment Extension $15.00 |
| Express Loan Application Fee $20.00 |
Title Fee $20.00 |
| Payment Extension $30.00 |
Solar & Mortgage Reconveyance Fee $120.00 |
| Refinance of Existing JCU Loan Free |
REAL ESTATE LOANS – SEE MORTGAGE DEPARTMENT
CERTIFICATE account / MONEY MARKET / IRA
| Certificate Early Withdrawal Penalties: Terms of 6-11 months = 90 days’ dividends Terms of 12-47 months = 180 days’ dividends Terms of 48-60 months = 365 days’ dividends |
Elite MMDA Withdrawals: First 3 of each month = Free 4 or More = $15.00 |
| IRA Early Withdrawal Penalty 1% or $25.00 (whichever is greater) |
DEPOSIT REQUIREMENTS
| Elite Money Market Account $10,001.00 |
Regular Share Account $5.00 |
| Money Market Account $2,501.00 |
Certificate Account $500.00 |
BUSINESS ACCOUNTS
| Business Capture Monthly Fee $25.00 |
Regulated Business Annual Review $250.00 |
| Business Capture Monthly Equipment Lease $15.00 |
Regulated Business Late Documents (daily/per doc) 25.00 |