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Fee Schedule

Effective 10/1/07

See also: Consumer Loan Rates | Mortgage Loan Rates | Savings and Investment Rates | Truth in Savings

General Membership Service
  Statement Copy $3.00 per month  
  Returned Mail $5.00  
  Postal Address Change $5.00  
  Inactive Account Fee* $10.00 per month  
  Cashier's Check $5.00 (one free check daily)  
  Garnishments/ Tax Liens $25.00  
  Reconcile/Research Fee $25.00 per hour  
  American Express Travelers Cheques No Charge  
  American Express Cheques For Two 1% of total purchase  
  American Express Gift Cheques $2.00 each  
  Online Banking and Bill Pay FREE  
  E-Statements FREE  
 
*For accounts with no activity in 12 months and a balance less than $100. Waived if member is under age 19.
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Accounting Services
  Incoming Wire No Charge  
  Outgoing Wire Fee $10.00  
  International Wire Transfer $35.00  
  Holiday & Tax Early Withdrawal $10.00  
  Returned Check Fee $25.00  
  Check Returned - two party $5.00  
  Stop Payment CU Issued Check $20.00  
  International Items/Services Pass thru Costs  
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Checking Services
  Investor Checking $15.00 per month (waived if requirements listed in Truth in Savings disclosure are met)  
  Interest Plus / Senior Plus Checking $8.00 per month (waived if $1000 average daily balance or minimum $300 direct deposit)  
  E-Checking $3.00 per Teller transaction (that could have been handled electronically)  
  Guaranteed Money Market (25K) $10.00 per month (waived if requirements listed in Truth in Savings disclosure are met)  
  Photocopy of Check $1.00 per item  
  Stop Payment - ACH, Check or Bill Pay $25.00  
  Checking Closure - involuntary
$20.00 (refund $15 if unused checks returned)  
  Overdraft Transfer $5.00 per transfer  
  NSF Item Paid - Check, Visa Debit, ACH $25.00  
  NSF Item Returned - Check, Visa Debit, ACH $25.00  
  Item Paid - Funds Unavailable $25.00  
  Item Returned - Funds Unavailable $25.00  
  Check Printing Varies depending on style  
 
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VISA / ATM Fees
  Non-Rivermark ATM Transaction Fee
(Includes Withdrawals, Inquiries & Cash Advances)
FREE CHECKING, REWARDS CHECKING*, SENIOR CHECKING, shares only, VISA Credit Card - $1.50 each after 5 free per month. INTEREST PLUS / SENIOR PLUS CHECKING - $1.50 each after 8 free per month. *REWARDS CHECKING - ATM fees and surcharges refunded (up to $25 maximum per month) if all Rewards Checking requirements are met  
  VISA Draft Copy $5.00-$10.00 per item  
  VISA / ATM Card Replaced $5.00 per card  
  Blocked Card - Pickup Fee $15.00-$65.00  
  VISA Overlimit $25.00  
  Custom PIN Request $5.00  
  Foreign Currency Conversion (ISA) 1% of transaction amount  
  Foreign Transaction 1% of transaction amount  
 
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Loan Services
  Skip Payment Fee $20.00  
  Release of Collateral $10.00  
  Late Payment Fees: Consumer Loans 6% payment / $20.00 min  
  Late Payment Fees: CUDL Loan 5% payment  
  Late Payment Fees: Equity & 2nd Mortgage 5% payment / $5.00 min  
  Late Payment Fees: VISA Credit Card $25.00  
  Vehicle Loan Refinance Fee 1% of Balance / $250 max  
  Check by Phone Payment $10.00  
  PayDay Advance Loan Application Fee $15.00  
 
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Safe Deposit Box
  3 x 5 Box $25.00 per year  
  5 x 5 Box $35.00 per year  
  3 x 10 Box $40.00 per year  
  5 x 10 Box $55.00 per year  
  10 x 10 Box $90.00 per year  
  Key Deposit $15.00  
  Key Duplication $15.00  
  Drilling Box $20.00 plus Locksmith Charge  
       
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Par Value of Membership Share: $5.00

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