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In establishing the following fees, your Board of Directors uses the following criteria:
1. Ability of the Member to avoid fees by using alternate services
2. The basic cost to credit union operations
3. Charges assessed at similar institutions
4. Justification of ordinary Member use vs. extraordinary use
| Checking Account Fees | |
| Account Reconciliation | $20.00/hour |
| Check Processing | $3.00 |
| (Waived if cumulative balance of $250 is maintained, for members with loans and accounts for minors.) | |
| Check Printing | Prices Vary |
| (Contact us to see how you may qualify for FREE or discounted check printing.) | |
| Undeliverable Address | $5.00 |
| (Check orders returned to the Credit Union by post office) | |
| Monthly Fee | No Charge |
| Non Sufficient Funds | $20.00 |
| Check Copy | $3.00 |
| Overdraft Protection (from Savings) | $2.00 |
| Per Check Fee | No Charge |
| Returned Item | $20.00 |
| Stop Payment Order | $20.00 |
| Temporary Checks (five) | $2.00 |
| Overdraft Privilege (check paid) | $20.00 |
| Fees Applicable to All Accounts | |
| Account Closing | $5.00 |
| (If closed within 90 days of opening) | |
| Account Number Change | $5.00 per account, maximum $25.00 |
| Account Research | $10.00/hour |
| ACH/Electronic Withdrawal Non-Sufficient Funds | $20.00 |
| Certified Check | $2.00 |
| Garnishment, Levy, Court Order Processing Fee | $45.00 |
| Income Withholding Orders per Week (Friend of the Court) | 10% of amount withheld |
| IRA Set-Up | No Charge |
| IRA Maintenance/Closing | No Charge |
| Land Contract Collection | $5.00/month |
| Account Maintenance | No Charge |
| New Account Opening Charge | $10.00 |
| (Waived for minors, Members opening second account and Members taking advantage of certain services) | |
| Statement Copy | $3.00 |
| 1-Month Account History Print Out | $1.00 |
| Western Union Wire | Prices Vary |
| Bank Wire Transfer | $12.00 to $30.00 |
| Manual Transfer (Not using Audio Teller) | $1.00 |
| Cross-Member Telephone Transfer (Not using Audio Teller) | $2.00 |
| Fabulous Freida Audio Teller | No Charge |
| (Balance inquiries, transaction history, transfers, and payments) | |
| Other Fees | |
| Cashier's Check under $500 | $1.50 |
| Money Order | $1.50 |
| Inactive Membership | $5.00/quarter |
| (For cumulative share balance less than $250 with no activity within the last year. Waived for minors and members taking advantage of certain services.) | |
| Safe Deposit Box Rentals | |
| (per year, due March 15th) | |
3x5 |
$15.00 |
3x10 |
$25.00 |
5x5 |
$22.50 |
5x10 |
$40.00 |
7x10 |
$52.00 |
10x10 |
$75.00 |
| Travelers Cheques | $1.50 per $100.00 |
| (Free to members on direct deposit) | |
| Gift Cheques | $2.50 each |
| Dort Online™ Banking | No Charge |
| eStatements | No Charge |
| Bill Payer | FREE |
| Coin Counting (self coin counter) | 5% |
| Visa | |
| Annual Fee | No Charge |
| Lost Card | $5.00 |
| Rush Card | $8.00 |
| Sales Draft Copy | $5.00 |
| VISA Check Card NSF | $20.00 |
| Overlimit Fee | $20.00 |
| Late Payment (Payments more than 15 days late) |
$20.00/month |
| Dort One Card (VISA Check Card) Transaction Fee (Unlimited Usage) |
No Charge |
| Cash Advance Fee | No Charge |
| Transfer Balance Fee | No Charge |
| VISA Gift Cards | $5.00 in office/$5.95 online |
| Automatic Teller Machine (ATM) | |
| Proprietary ATM Surcharge | No Charge |
| Withdrawal from Pledged Shares | $8.00 |
| Card Replacement | $5.00 |
| Deposits, Transfers, Payments | No Charge |
| Excessive ATM Withdrawals/Balance Inquiries (exceeding 8 in a calendar month) | $.75 each |
| Up to Eight Withdrawals/Balance Inquiries (per month) | No Charge |
| Overdraft Fee | $20.00 |
| Tips on Avoiding Fees | |
| Use our NO COST Dort Online Banking and audio response system, Fabulous Freida, services to avoid certain fees, such as manual transfers. This convenient service allows you to obtain account information by telephone nearly 24 hours a day, 7 days a week, and it’s simple to use. Call any office for further details.
Save time and money - have your monthly loan payments automatically transferred from your Dort Federal account. |
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