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FEES

FAMILY SECURITY CREDIT UNION FEE SCHEDULE EFFECTIVE FEBRUARY 2016
Account Closing Fee (Within 90 days of opening) $15.00
Account History Mini Statement (up to 45 days) $2.00
Account Research $15.00 per hour
CARFAX $15.00
Cashier’s Checks (Excludes members age 50 & older) $3.00
Checking Accounts  
Checking No Charge
Give Me A Break $10.00 per month
Non-Profit No Charge
Business Checking Account $10.00 per month
Check Cashing Fee (Without compensating balance) 1% of check amount
Check Copies thru myfscu.com No Charge
Check Copies thru FSCU employee $3.00 each
Collection Items (Replacing NSF Checks) $5.00
Deposited Item Returned $5.00
Dormant Account Fee  (Mail undeliverable & 1 year without financial activity) $10.00 per month
Express Mail Delivery Fee $20.00
Inactive Member (after 1 year without financial activity & less than $100 on deposit & no other active services (excludes members younger than age 19.) $10.00 per month
Late Fee on Delinquent Loans Greater of $10.00 or 5% of the amount of  the scheduled payment up to $100.00
Late Fee on VISA Credit Card Accounts $25.00
Levy Fee (Court, Garnishment, IRS, Government or Tax) $25.00
Loan Application Fee (Excludes fully share secured loans, Indirect Loans, Online Internet Loan Applications, and VISA applications.  Application fee’s for Real Estate loans are subject to Real Estate Department Guidelines) $10.00
Money Orders $2.00 each
Money Servicing Business Accounts $90.00 per month
Negative Balance Collection Fee $15.00
NSF/Overdraft (ACH, Checks, Deposited Returned Item, etc.) $27.00 per item
Overdraft Advantage Transfer Fee $2.00 per transfer
Overdraft Standard/Extended Privilege Fee $27.00 *
Overdraft Transfer Fee $5.00
Return Statement Fee $5.00
Safe Deposit Boxes (Annual Rental)
3 x 5 $15.00
3 x 10 $30.00
5 x 10 $45.00
10 x 10 $95.00
Safe Deposit Box Late Fee $5.00 per month
Safe Deposit Box Drill Fee (All Keys Lost) $150.00
Safe Deposit Box Key Replacement (Single Key Lost) $25.00
Statement Copies $4.00 per statement
Stop Payments $27.00 per item
Telephone Transfers (Excludes members age 50 & older) $1.00
Transfer Fee $5.00
VISA Foreign Transaction Fee The currency conversion rate which is either (i) the wholesale market rate or (ii) the government mandated rate, whichever is applicable, in effect one day prior to the processing date, increased one-percent or one-percent if the transaction was denominated in US Dollars.
VISA Gift Card Fee $2.50
Wire Transfer Fee - Domestic (Outgoing) $15.00
Wire Transfer Fee - International (Outgoing) $35.00

* Overdraft Standard/Extended Privilege Fee created by checks, in-person withdrawals, ATM withdrawals, Debit Card (recurring debit card payments and everyday debit card purchases), online Bill Pay transactions, ACH (auto debits), and Internet/Telephone transactions. 

Please review our Truth in Savings Disclosure for more information.