Online Banking Secure Login
Effective Wednesday, November 25, 2020
| DESCRIPTION | AMOUNT |
|---|---|
| CHECKING ACCOUNT FEES | |
| Check Order | Varies |
| (Free Spirit Members – 1 free box per year) | |
| Starter Checks per page (12 Checks free) | $2.00 |
| Discretionary Pay Overdraft (each item) | $30.00 |
| Returned Draft/ACH – NSF (each item) | $30.00 |
| Stop Payment Draft/ACH (per request)* | $30.00 |
| Copy of Check (per check)* | $3.00 |
| Monthly Account Maintenance* | $0.00 |
| Overdraft Transfer From Savings or Line of Credit (per item)* | $0.00 |
| Monthly Business Account Maintenance** | $7.50 |
| Monthly New Beginnings Account Maintenance | $10.00 |
| ATM/DEBIT CARD FEES | |
| Card Replacement Request* | $10.00 |
| PIN Reorder Request | $3.00 |
| Balance Inquiry (each) (5 free/month) | $1.00 |
| Withdrawals (5 free per month) | $1.00 |
| Debit/ATM Card Rush Order | $50.00 |
| Pull/Re-address | $5.00 |
| Overdraft if opted in (each item) | $30.00 |
| Temporary Limit Increase | $0.00 |
| VISA CREDIT CARD FEES | |
| Statement Copy | $2.00 |
| Duplicate Card Request* | $10.00 |
| Late Charge (per month) | $25.00 |
| Card Capture | $0.00 |
| Credit Card Replacement Rush | $50.00 |
| LOAN FEES | |
| Consumer Loan Late Charge (per month) | $25.00 |
| Home Equity Loan Late Charge (per month) | 5% Pmt Due |
| Lien Verification (each piece of collateral) | $0.00 |
| Loan Modification | $25.00 |
| Loan Subordination | $100.00 |
| Assumption | $100.00 |
| Payment by Phone Employee Transfer | $3.00 |
| Payment by Phone Debit/Credit Card | $10.00 |
| Payment by Phone other Fin. Inst. | $5.00 |
| Replace Phone Payment Book | $5.00 |
| Repossession Cancellation ($100) | Pass-Thru |
| Auto Repossession ($400) | Pass-Thru |
| RV Repossession ($750) | Pass-Thru |
| BUSINESS LOAN FEES | |
| Business Loan Application | $300.00 |
| Business Loan Origination | 1% |
| Business Loan Document | Pass Thru |
| INDIVIDUAL RETIREMENT ACCOUNT (IRA) FEES | |
| Annual Account Maintenance (per account) | N/C |
| Account Closing | $0.00 |
| WIRE TRANSFER FEES | |
| Domestic Outgoing (each)* | $20.00 |
| Foreign Outgoing (each) | $30.00 |
| Incoming Wire | N/C |
| LEGAL FEES | |
| Levies, Writs & Garnishment (each) | $50.00 |
| MISCELLANEOUS SERVICE FEES | |
| Online Bill Pay | $0.00 |
| Inactive Online Bill Pay (per month) | $0.00 |
| Mobile Text Banking (per text) | $0.00 |
| Phone Transfer (per transfer)* (No fee charged if CU*Talk or online banking is utilized) | $3.00 |
| Cashier’s Check (each)* (Free Spirit Members – 1 free check per month) | $3.00 |
| Cashier’s Check Stop Payment | $30.00 |
| Member check replaced w/ Cashier Check | $20.00 |
| Money Order (each)* (Free Spirit Members – $0.50) | $2.00 |
| Traveler’s Card (each) | $4.95 |
| Gift Card (each) | $4.95 |
| Reload Fee | $2.95 |
| Check Cashing Fee* (Less than $200 in account, over 18, no other services) | $3.00 |
| Mailing a Paper Statement | $0.00 |
| Statement Copy / Activity Printout (per page)* | $1.00 |
| Current History up to last 30 days | $1.00 |
| Foreign Item Deposit (each, plus Bank Fees) | $5.00 |
| Deposited Item Returned Unpaid (each) | $15.00 |
| To me/from me or “Cash” Check Return Item | $30.00 |
| External ATM/Shared Branch Returned Item | $15.00 |
| External ATM/Shared Branch Adjustment | Pass Thru |
| Account Balancing | $25.00 |
| Account Research | $25.00 |
| Dormant Account (inactive 1 year) | $10.00 |
| Account Closing Fee (within 6 months) | $5.00 |
| Escheatment of Funds | $50.00 |
| Returned Mail / Bad Address (per month) | $10.00 |
| Non-Member Check Cashing Fee (each item) | $5.00 |
| Share Account Maintenance Fee (per month)* | $3.00 |
| Verification of Deposit | $5.00 |
| Outgoing Fax/Copies | $0.00 |
| Reopen Closed Account (in last 5 months) | $0.00 |
| Skip-A-Payment | $20.00 |
| SAFE DEPOSIT BOXES (WATERFORD WEST BRANCH ONLY) | |
| Sizes and Prices vary. Annual rent fee. Please call for details. Waterford West – Highland Rd. Branch Only. | |
| ADDITIONAL FEES (IF APPLICABLE) | |
| Drill Fee (if applicable) | $200.00 |
| Key Replacement (if applicable) | $50.00 |
| Late Rental Fee | $25.00 |
Creating relationships that are beneficial for member-owners is the focus of BBCU. Many fees may not be applicable to you.
*May be waived based on Gividends tiered service level.
**Waived if daily balance of $7,500 is maintained.