GENERAL SERVICES

  • Returned mail will be $1.00 each item.
  • Money Orders for members and shared branching members Fee Schedules are $1.00 each.
  • Visa Gift Cards are $3.00 per card.
  • Cash withdrawals are limited to $1000.00 per day.
  • Assisted phone transfers are $2.00 each after the first free one per month. Members age 60 and over are exempt from phone transfer fees.
  • Phone transfers performed with the receipt mailed will be $1.00 each. This is in addition to the $2.00 fee charged after the first request.
  • Wire transfers are $10.00 per outgoing wire. Foreign wires are $25.00 per outgoing wire.
  • Cashiers checks are limited to one FREE check per day and $2.00 each thereafter. Exceptions are checks that are $1,000 or more each are free
  • Statement copies (microfilm) are $5.00 per statement. Account printouts are $1.00 per page.
  • Shared branching members cashing checks with an aggregate balance in their accounts less than $100 will be charged $3.00 per check.
  • Members age 18 and under and checks $25.00 or less are exempt.
  • Deposited items returned will have a $20.00 fee per item.
  • Courtesy Pay fees are $25.00 per item.

CHECKING ACCOUNT AND ELECTRONIC FEES

  • Starter checks, other than when opening a checking account, will be charged $2.00 for a sheet of 4 checks.
  • Stop payment fee is $20.00 per check.
  • Overdraft fee is $25.00 per check or ACH item returned.
  • Automatic transfers are $5.00 per day.
  • Copy of a check that has cleared is $5.00 per item. Online copies are FREE.
  • Account balancing assistance is $12.00 per hour.
  • Check order printing charges are at cost plus $.50.
  • CU*Easy Pay accounts will be charged $2.00 each month there is no activity i.e. no checks issued during a calendar month.
  • Manual check clearing will be $2.00 per item.

ATM (AUTOMATED TELLER MACHINE) AND DEBIT CARD FEES

  • ATM/Debit Card overdrafts will have a $25.00 per item fee.
  • ATM/Debit Card and Pin are FREE for the first order – limit of two cards. Additional cards are $2.00 each.
  • ATM/Debit transfers and deposits are FREE at any ATM. Withdrawals and inquiries made at a LFCU ATM are FREE.
  • Withdrawals made at other ATM’s will be charged $1.00 each. Inquiries will be charged $1.00 each after 2 FREE per month.
  • ATM/Debit card replacement is $5.00 each without your old card and FREE with returned card.
  • Change your PIN will be $2.00 each.
  • *You are allowed eight (8) transactions per day – including inquiries.
  • *You are allowed three (3) withdrawals per day.
  • *You are allowed a maximum of $300 per day for ATM withdrawal(s).
  • *You are allowed a maximum of $500 per day for Debit card purchases.

VISA CREDIT CARD FEES

  • Returned check fee of $25.00 each.
  • Late payment fee of $15.00 will be charged to your Visa.
  • Over limit fee of $15.00 will be charged to your Visa.
  • A copy of a sales draft is $10.00 each.
  • *Minimum cash advances are $25.00.

LOW BALANCE AND INACTIVE ACCOUNTS

  • Lakeshore Federal Credit Union offers Audio Response and PC Home Banking to our members at no additional charge.
  • Share accounts will have a fee of $5.00 per month imposed when the acCount balance is less than $100 and there has been no activity within the last 12 months. This fee will not be imposed if there are active sub-accounts held under the account.
  • Accounts exempt from the dormancy fee are children’s accounts (18 years and under), and share accounts opened for joint loan applicants.
  • All trust accounts are exempt from the dormancy fee.

OTHER FEES

  • Accounts closed within 90 days of opening will be charged $5.00.
  • Garnishments, levys, and escheating on accounts will be charged $25.00 each.
  • Research fee for subpeona’s, disputes, member and nonmember requests, etc., will be charged a $12.00 per hour and $1.00 per page fee.
  • Negative account balances will be charged $5.00 per month.

The effective date of this schedule is May 1, 2011.