Fee Schedule

Fee Schedule

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ATM/Visa^® Debit Card Fees
Member Withdrawals at Other ATMs		$1.00 per withdrawal
Member Inquiries at Other ATMs		$1.00 per inquiry
Non-Member Transactions		$2.00 ($1.50 on Fort Bragg military reservation)
Annual Card Fee		None
ATM Card Replacement		$3.00
Visa^® Debit Card Replacement		$5.00
ATM Overdraft		$25.00
Visa^® Debit Card Recovery Fee		$65.00-$165.00 if for whatever reason the CU takes action to recover your card
Visa^® Debit Card Stop Payment		$25.00 (applies to recurring Visa transactions only)
NSF and Overdraft Privilege Fees(The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: share draft, ACH, ATM or Visa Check Card)
Non-Sufficient Funds		$25.00
Overdraft Privilege		$25.00
*Lite Checking Account Fees (Direct Deposit Required)**
Monthly Fee		None
Average Daily Balance to Avoid Fee		N/A
Horizon Checking Account Fees
Monthly Fee		$5.00
Average Daily Balance to Avoid Fee		N/A
Iron Mike Checking Account Fees
Monthly Fee		$3.00
Average Daily Balance to Avoid Fee		$200.00
Patriot Checking Account Fees
Monthly Fee		$5.00
Average Daily Balance to Avoid Fee		$2,500.00
Collection Fees
Deposited Checks (and other items) Returned Unpaid (3rd party)		$5.00
Member as Maker		$25.00
VISA^® Credit Card Fees
Annual Fee		None
Late Fee		20% of total interest due for any payment that exceeds 7 days past the due date.
Over Limit Fee		N/A
Card Replacement Fee		N/A
Recovery Fee		$65.00-$165.00 if for whatever reason the CU takes action to recover your card
Stop Payment Fee		$25.00 (applies to recurring Visa transactions only)
VISA^® Prepaid Debit Card Fees
Dormancy Fee		$1.00 per card
ATM Withdrawal or Balance Inquiry at Other ATMs		$1.00
International Purchase Transaction		1% of transaction amount
Unload Fee-request check from FBFCU		$2.00
Stop Payment		$25.00
Replacement Card		$5.00
Expedited Replacement Card		$55.00
Paper Statement		$1.00
Account Activity Printout		$5.00
Live Customer Service		$1.00 per minute
Automated Telephone Balance Inquiry		$.50 per minute
Deposit Services Fees
Verification of Deposit		$5.00
Dormant Account Fee *An account is considered dormant if for one calendar year no withdrawals or deposits other than credited dividends have been made to the account, we have received no communication from you about any of your accounts, and the aggregate account balance is below $200.00.		$25.00 per year
Miscellaneous Fees
Signature Guarantee		N/A
Notary		N/A
Money Orders		$1.00 each
Cashiers Checks		$1.00 each
Travelers Checks		$1.00 per $100.00
Traveler’s Checks for two (2)		$1.50 per $100.00
Temporary Checks		$.10 each
American Express Gift Checks		$2.50 each
Western Union		$14.00 and up
Stop Payment (checks)		$10.00
Account Activity Printout		$5.00
Statement Printout		$1.00
Copy of Draft		$1.00
Visa Gift Card		$2.95/card in branch
In House Bill Pay Service		$1.00 per item
E-Payments		$5.00 each (via telephone with FBFCU staff assistance)
Account Research		$10.00 per hour
Skip-a-Payment		$25.00 per account
Holiday Club Account Early Withdrawal		$5.00 each withdrawal before Oct. 1st

IRA Early Withdrawal - CDs		3 months loss of dividends

IRA Closing Before Maturity Date		$25.00 plus 3 months loss of dividends

NSF and Overdraft Privilege Fees (The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: share draft, ACH, ATM or Visa Check Card)
Non-Sufficient Funds	$25.00
Overdraft Privilege	$25.00
Safe Deposit Box Fees (Safe Deposit Box contents not insured by NCUA.)
3 x 5	$20.00 annually
3 x 10	$30.00 annually
5 x 10	$40.00 annually
10 x 10	$75.00 annually
Box Drilling	$120.00
Key Replacement	$75.00 for one, $120.00 for two
Wire Transfers (Wire transfer fees waived if* member has an average balance of $2,500 in at least one account)
Incoming	$3.00
Outgoing	$8.00

Effective 4/23/2013