| Greater Minnesota Credit Union Fee Schedule |
| All fees are effective 05/19/08 |
| Membership Fee |
|
| One-time Payment |
$1.00 |
| |
|
| ATM Card |
|
| Replacement Card or PIN |
$5.00 |
| Transaction Fee |
No Charge |
| ATM Overdraft Fee |
$20.00 |
| |
|
| Checking Accounts |
|
| All of the following fees are common for all three accounts: |
|
| Check Printing |
Prices vary with quantity, style & design |
| Check Copies |
$3.00 |
| Stop Payment |
$20.00 |
| Reverse Stop Payment |
$15.00 |
| Check Balancing |
$20.00 per hour |
| Overdraft Fee |
$22.00 per draft |
| Overdraft Transfer Fee |
$2.00 |
| Member Privilege |
$22.00 per draft |
| |
|
| The following fees are unique to each account: |
|
| Freedom: |
No check service charges. |
| Member Preferred: |
Check service charge of $.10 for each check over 30 cleared each month. No fee for maintaining $1,000 balance. |
| Member Advantage: |
Below minimum balance charge of $25.00 when balance of account falls below $2,500. |
| |
|
| Savings Account |
|
| Below Minimum Balance |
$1.00 per month until balance is brought up to $25.00, continuting until account is depleted. |
| Overdraft Fee |
$22.00 |
| Early Closure Fee (within first 30 days) |
$10.00 |
| Re-open Share Account |
$5.00 |
| |
|
| Visa Card |
|
| Annual Fee |
No Charge |
| Cash Advancement |
No Charge |
| Card or PIN Replacement |
$5.00 each occurence |
| Late Fee |
$20.00 after 10 days |
| Return Check to Visa |
$20.00 |
| Document Copy Charge |
$12.50 |
| Statement Copies |
$5.25 per month |
| Payment Calculation |
4% of balance or $25.00, whichever is greater |
| Overlimit Fee |
$20.00 per month |
| Rush Order (Card and PIN) |
$40.00 + replacement fee |
| |
|
| IRA |
|
| Annual Maintenance Fee |
No Charge |
| Withdrawal Fee |
The following activities are subject to a $25.00 fee: Direct Transfers: Any age under 59 1/2; any withdrawal (including rollover and direct transfers). Over 59 1/2; rollovers & direct transfers. Over 59 1/2; payable to member-no charge. |
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|
| HSA |
Free - no monthly chargess
|
|
|
No minimum balance
|
| |
|
| IDSafeChoice |
|
| Level 1 |
Free to primary member with Checking
|
| Level 2 |
$5.95 per month - Individual
|
|
|
$9.95 per month - Family
|
| |
|
| Miscellaneous Fees |
|
| Account Research |
$20.00 per hour |
| Statement Copies |
$5.00 per month |
| History Printout |
$1.00 per page |
| Photo Copies |
$.25 per copy |
| Cashier's Check |
$5.00 (Payable to another party, free if payable to self) |
| Money Order |
$1.00 |
| Notary Service |
No Charge |
| Wire Transfer (U.S. & Int'l) Incoming |
$5.00 |
| Wire Transfer (U.S.) Outgoing |
$20.00 |
| Wire Transfer (International) |
$50.00 |
| Western Union Incoming |
$5.00 |
| Western Union Outgoing |
$25.00 (Unless over $500) |
| Foreign Item Check Fee |
Below $200.00--$10.00 checkhold plus additional fees incurred. $200.00 & greater--$20.00 checkhold plus additional fees incurred |
| Fax-Incoming |
No Charge |
| Fax-Outgoing |
$5.00 |
| Fax-Outgoing (International) |
$10.00 |
| Returned Mail/Bad Address |
$2.50 per month per account |
| Deposit Item Returned |
$7.00 |
| Loan Rate Modification |
$50.00 |
| Tax Levy/Garnishment |
$25.00 |
| |
|
| Travelers Cheques |
$1.00 per $100.00 (Free to members having a $2,000 balance, or to members of the Golden Years and Money Makers Club). |
| Travelers Cheques for Two |
$1.50 per $100 (Discounted to $0.50 per hundred for members having $2,000 balance, or to members of the Golden Years and Money Makers Club). |
| |
|
| Safe Deposit Boxes |
|
| 2 x 5 |
$10.00 |
| 3 x 5 |
$20.00 |
| 5 x 5 |
$25.00 |
| 3 x 10 |
$30.00 |
| 5 x 10 |
$40.00 |
| 10 x 10 |
$45.00 |
| Replacement Key |
$25.00 |
| Box Drilling |
Actual Cost |
| |
|
| GMCU Visa CheckCard |
|
| Negative Balance |
$22.00 each occurrence |
| Automatic Overdraft Transfer |
$2.00 each occurrence |
| Card or PIN Replacement |
$5.00 each occurrence |
| Sales Draft Copy |
$20.00 each occurrence |
| Rush Order (Card or PIN) |
$45.00 plus replacement fee |
| |
|
| Visa Gift Card |
$3.50 per card |
| Inactive fee (per month) |
$2.50 after six months |
| |
|
| ACH (Automated Clearing House) |
|
| Overdraft Fee |
$22.00 per item |
| Stop Payment |
$20.00 when permissible |
| Research |
$20.00 per hour |
| |
|
| GMCU Online Services |
|
| Bill Pay |
No Charge (Inactive accounts will be charged $5.65 per month)
|
| Bill Pay NSF |
$22.00 each occurence |
| Bill Pay Automatic Overdraft Transfer |
$2.00 each occurence |
| Bill Pay Research |
$20.00 per hour |
| eStatements |
Free |
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