Members' Guide to Fees

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.
Paid NSF Fees$30.00
NSF Fees$30.00
ACH Debit Return$30.00
Stop Payment$25.00
Official Check$2.00
Check Copies (each)$3.00
Counter Check$0.50
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$15.00Statement Copy (fee per page)$3.00
New ATM Card$0.00Research/Statement Reconcilement$15.00/hour
Replacement Check Card$5.00History Statement Printout (fee per monthly statement)$3.00
Undeliverable Mail$2.50Fax User Fees (Outgoing Only)First Page $1.00
Each additional $3.00
Check Card Sales Draft Copy$3.00Photo Copy Fee$0.50
Money Orders ($1.00 with Draft Acct)$2.00Levy/Garnishment processing$50.00
Electronic Bill PaymentFreeWire Transfers – Outgoing$20.00
Safe Deposit Drilling FeeCost*Wire Transfers – Incoming$15.00
  International Wires (Inbound/Outbound)Cost* + $50.00

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.

*Cost- To obtain cost information call (800) 637-0299 or visit any Branch Office.