| Account Fees |
Savings
01,02,03,05,08 |
Checking74,
75, 76 |
Checking 77 |
| Membership Fee (to join) |
$10 Non-Refundable |
| Inactive
Checking Account Fee |
N/A |
$10 per month² |
$10
per month² |
Inactive
Account Fee |
$15
Per Quarter¹ |
N/A |
| Maintenance/Returned Mail |
$5
per month³ |
$5
per month³ |
$5
per month³ |
Checking Account
Monthly Service Charge |
|
$5
per month-
4 |
|
| Overdraft Transfer |
N/A |
$5
per transfer |
$5
per transfer |
| NSF Fee (By Check/ACH/Debit/ATM/Bill Pay) |
N/A |
$25 per item |
$25 per item |
Courtesy Pay Fee (Debit/ATM/Bill Pay)
Overdraft Privilegesm Fee (Check/ACH) |
N/A |
$25 per item |
$25 per item |
| Stop Payment Fee |
N/A |
$25 per request |
$25 per request |
| Check Copy |
N/A |
$3 per item |
$3 per item |
| Counter Checks |
N/A |
$.25 per check |
| Deluxe Check Orders |
N/A |
Prices Vary |
Prices Vary |
| Web
Bill Pay |
N/A |
See
explanation below -5 |
| Credit Union Fees |
|
| Account Reconciliation |
$25
per hour |
| Account Research |
$25
per hour |
| Deposited Item Return |
$10
per item ;$25 per item if member's personal check drawn
on another financial institution. |
| Outgoing Wire Transfer |
$20
per domestic wire / $40 per foreign wire |
| Travelers Checks |
1% of purchase amount for single signature, 1.5% of purchase amount for double signature. Waived for CU VISA account holders. |
| American Express Gift Checks |
$2.50 per check |
| VISA Gift Cards |
$3.00
per card (See the Gift Card Terms and Conditions disclosure
for additional fee details) |
| Money Orders |
$2.00
per money order |
| Third Party Payee Checks |
$5
per check |
| Statement Copy |
$5
per page |
| Account History Printouts |
$3 per statement cycle |
| ATM Transactions |
$2 per transaction if more than 8 withdrawal transactions are made in a calendar month at foreign ATMs |
| ATM or Debit Card / PIN Replacement |
$5 per card when lost or stolen, $5 per PIN change |
| Copy of Sale Ticket for Debit Card Transaction |
$5 per transaction |
| Rush Order for Debit Card |
$35 |
| Check Cashing |
$5 for any Non-Credit Union check cashed without total savings &/or check balance of $50 or less
$3 for any Non-Credit Union check cashed without total savings &/or check balance of $100 or less |
| Coin Machine Deposits |
3%
transaction FEE for GEMC FCU Members and 8% transaction
FEE for non-members (Tucker and Douglasville Office ) |
Collection
Item | Domestic/International
$25 per item. |
|
Tax
Levy/Garnishment | $50 per
occurrence. |
¹Fee
charged for one or more years of inactivity over the
age of 16 and account balance under $100.
2 An
Inactivity Fee of $10 per month will be assessed for
any checking account with no activity for six(6) months
and a balance below $100, and the member is over the
age of 16, and no loan or certificate balance on the
account.
³Fee
charged if no current address on file or postal service
notifies CU of address change through forwarding order.
4Fee
charged if Average Daily Balance falls below $500. Anyone
under the age 22 exempt from checking fee.
5A
Bill Pay Fee There is a $10 inactivity fee charged each
month if the service is not used for 60 days or more. |
