Fees and ChargesAMIgem032026-01-19T21:06:06+00:00
Electronic Funds Transfer
| Service | Fees | Rate/APY |
| VISA Debit Signature (Credit) Based Transactions | No Charge | Daily ATM Limits: $305.00 per day |
| Econo Checking-Non-Credit Union owned ATM terminals-Transactions including inquiries (3 free per month, thereafter each transaction) | $1.00* | Daily Visa Check Credit (Credit Transactions Limit) $750 per day |
| Legacy Checking-Non-Credit Union owned ATM terminals-Transactions including inquires (4 free per month, thereafter each transaction) | $1.00* | - |
| Regular Share-Non-Credit Union owned ATM terminals-Transactions including inquires (1 free per month, thereafter each transaction) | $1.00* | - |
| Daily POS Limits | - | $1000.00 per day |
| VISA Check Card Replacement | - | $15.00 per day |
*Includes all withdrawals, transfers, and inquiries except for point-of-sale (POS) transactions. Does not include surcharges imposed by terminal owners.
Accounts and Services
| Service | Fees |
| Monthly Maintenance Fee-Regular Share Account charged when average daily balance with no other falls below account relationships | $3.00 per month** |
| Non-Sufficient Funds (NSF) Fee | $33.00 per item |
| Courtesy Pay Overdraft Fee | $33.00 per item |
| Checking Overdraft Transfer Fee from savings ($25.00 increments) | $1.00 per transfer |
| Stop Payment Fee | $30.00 per item |
| Econo Checking Accounts “On-Us” check disbursements | $3.00 per item |
| Legacy Checking Acccounts “On-Us” check disbursements in excess of two per month (62 years of age or older) | $2.00 per item |
| Regular Share Accounts “On-Us” check disbursements | $3.00 per item |
| Christmas Club withdrawal fee (per withdrawal) | $5.00 |
| Closed share accounts within (90) days of opening | $5.00 |
| Transaction Fee-Teller advances made under Personal LOC | $5.00 |
| Annual Maintenance Fee-Personal LOC | $25.00 |
| Paper Statement Fee for those between the ages of 18 and 61 years of age without any outstanding loan balances | $3.00 per month |
Miscellaneous
| Service | Fees |
| Cashiers Check Fee | $6.00 |
| Money Orders | $1.75 |
| Wire transfer fee-(incoming) | $20.00 |
| Wire transfer fee-(outgoing) | $20.00 |
| Credit Union issued checks to non-members | $15.00 |
| Check Cashing Fee, for members with no other relationships other than a Regular Share (savings) account with a balance of less than $100.00 at the time of presentment | $10.00 |
| Bad Address Fee | $5.00 per month |
| Statement copy fee | 1.00 per page |
| Charge-back Fee (unpaid deposited items) | $15.00 per item |
| Dormant Account Fee | $5.00 per month |
| Abandoned Property/Dormancy Processing Fee | $25.00 per account |
| Copy of credit union issued check | $5.00 per item |
| Copy of member issued cancelled check | $3.00 per item |
| ATM Surcharge Fee (foreign cards used at our ATM machine) | $3.50 per transfer |
| Postage Fee for all mailed checks, statements, etc. | $1.25 per letter |
| Photocopies | .15 per page |
| Balancing Statement/Account Research Less than $30 minutes | Free |
| 30 minutes and over | $25.00 per hour |
| Fax Copies | $1 per page |
**Waived for members 62 years of age or older.
Safe Deposit Box Rental
| Type | Annual Rental Fees*** |
| 3 x 5 | $35.00 |
| 3 x 10 | $50.00 |
| 5 x 10 | $70.00 |
| 10 x 10 | $120.00 |
| Change of Locks(Keys) | $125 per lock |
| Drilling of Boxes | $125.00 per box |
***Fee activation dates to be announced.
