Fees
Members' Guide to Fees
Effective October 1, 2009
The Truth in Savings Act is intended to assure financial institution customers receive certain information about their dividend-bearing accounts, fees, and dividend rates. AOD Federal Credit Union is committed to providing our members with all of the information you need to make the best decisions about your personal finances. Please read this information carefully and contact us if you have any questions.
| Share Draft Account Fees | |
| *Check printing prices vary and are subject to change. | |
| ACH Debit Return | $21.00 |
|---|---|
| Check copies (each) | $3.00 |
| Counter Check | $0.50 |
| NSF Fees | $21.00 |
| Official Check | $2.00 |
| Paid NSF Fees | $21.00 |
| Stop Payment | $17.00 |
| Miscellaneous Fees | |||
| *Safe Deposit Boxes Rent & sizes vary. Share Account will be automatically debited for renewal January 1st of each year. |
|||
| Deposit/Cashed Return Item | $3.00 | Statement Copy (fee per page) | $1.00 |
|---|---|---|---|
| New ATM Card | $0.00 | Research/Statement Reconcilement | $15.00/hour |
| Replacement Check Card | $0.00 | History Statement Printout (fee per monthly statement) | $3.00 |
| Check Card PIN Replacement | $0.00 | Fax User Fees (Outgoing Only) | First Page $1.00 Each additional $3.00 |
| Check Card & PIN Replacement | $0.00 | Photo Copy Fee | $0.10 |
| Check Card Sales Draft Copy | $3.00 | Levy/Garnishment processing | $50.00 |
| Money Orders ($1.00 with Draft Acct) | $2.00 | Wire Transfers - Outgoing | $15.00 |
| American Express Travelers' Cheques (For Two per $100) | $1.00 | Wire Transfers - Incoming | $10.00 |
| American Express Gift Cheques | $2.50 | Electronic Bill Payment | Free |
| Fee Disclosures |
| Excessive Withdrawals Members are limited to six (6) withdrawals per month from their share account. Excess transactions will incur a charge of $2 per transaction. |
| Early Withdrawal/Christmas Club There will be a $10 fee for any withdrawal from a Christmas Club Account, other than the disbursement you automatically receive in November. |
| Foreign ATM Members are allowed four (4) foreign ATM transactions per month at no charge. Each transaction after four, will be assessed a fee of $1. |
| Dormant Account Fee If there is no transaction activity on your share and/or share draft account for a period of twelve (12) months and AOD does not have a valid mailing address, AOD will classify your account(s) as dormant. Fee of $5.00/month. |
| Account Closing Fee When you close your share account within the first 90 days of opening the account, you forfeit your initial $25 share deposit. |
| Par Value Fee A Par Value Fee of $5 will be assessed on all share accounts that have reduced the balance to below the Par Value of one share ($25) and does not increase the balance to at least the Par Value of one share ($25) within 30 days of the reduction. |
