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Fees and Charges
(effective July 1, 2006)
American Express Travelers Cheques $1.50 per $100 Regular
$2.00 per $100 Cheques for two

ATM Fees

$1.25 per month Allpoint access fee
$5.00 to replace card or PIN

ATM Inquiry (STAR or CIRRUS) $1.00 each
Bond coupon deposit $15.00 per envelope
Carfax Vehicle History Report $12.00 per report
FREE if vehicle financed with VFCU
Certified Check $5.00 each
Counter Checks Made Payable to Third Party $1.00 each
Closed Account Fee $10.00 for accounts open less than one year
Courtesy Pay Fee $28.00 per transaction
Deposit Verification $20.00
Dormant Account Fee $10.00
Foreign currency checks $10.00 per item
Vantria Bill Pay
(online bill payment service)

FREE with direct deposit or $4.95 per month, unlimited payment transactions

Late loan payment 20% of the interest due
There is a 15-day grace period.
Legal process fee $50.00 garnishments/levies
Money Order $1.50 each
Notary Stamp Service $5.00 per stamp
Online Banking (HomeLine) FREE
Overdraft - Check $28.00 per item
Overdraft - POS $28.00 per day
Overdraft Protection $1.00 per automatic transfer from the share to checking account
Overnight form delivery $10.00
Research $15.00 an hour
There is no charge if the credit union is at fault or request is made within 60 days of the statement cycle.
Returned check fee $28.00 1st party
$12.00 2nd party
Safe Deposit Box Rental $30.00 3x5
$40.00 5x5
$50.00 3x10
$70.00 5x10
$110.00 10x10
Safe Deposit Box Fees $10.00 - Lost Key Replacement
Locksmith's Charge for Box Drilling
Share draft copies First three per year are free

$1.00 if the draft has cleared in the last six months

$2.00 if the draft clearing date is over six months

$3.00 fax request
Signature guarantee $10.00 first stamp, $5.00 per additional stamp
Stop Payment $28.00 per share draft/ACH/official checks
Statement copies

$1.00 per page for interim statement
$3.00 per page for period-end statement

Subordination fee (Home Equity Line of Credit) $25.00 for completing any and all parts of the request
Fee is assessed before forms are completed.
Temporary checks $0.25 per check
Original issue free with opening of account
Visa Check Card

$1.25 monthly Allpoint access fee
$5.00 to replace card or PIN

Western Union Quick Cash Domestic
$50.00 or less  $20.50
$50.01- 200.00  $22.50
$200.01 - $500.00  $32.50
$500.01 - $1000.00  $36.50
$1000.01 - $2500.00  $45.50
$2500.01 - $5000.00  $50.50
$5000.01 - $7500.00  $53.50
$7500.01 - $10000.00  $57.50

International
$500.00 or less = $20.00
$500.01 - $1000.00 = $25.00
$1000.01 - $2000.00 = $30.00
$2000.01 - $5000.00 = $35.00
$5000.01 - $10000.00 = $45.00
Wire Transfer $15.00 Domestic
$25.00 International



Digital Insight, an Intuit company
Savings insured to at least $100,000 by NCUA