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Regular
Shares
Certificate Of Deposit
Share Account Fees
Checking Account Fees
Visa Check Card Fee
Other Service Fees
General Membership
ATM and POS Fees
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This
rate and fee schedule for all account sets forth certain conditions,
rates, fees and charges applicable to your regular share and
share draft accounts at the Central Florida Postal Credit
Union as of April 1, 2006. This schedule is incorporated as
part of your account agreement with the Central Florida Postal
Credit Union.
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| Regular
Shares |
Dividends
are compounded quarterly and are credited at the close of the
period. For example, the beginning date of the first dividend
period of the calendar year is January 1, and the ending date
of such dividend period is march 31. All other dividend periods
follow this same pattern of dates. The dividend declaration date
is the last day of the dividend period, and for this example is
March 31.
Contact our nearest branch or see the Deposit
Rates page of our website for current annual percentage
rates.
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| Certificate
Of Deposit |
Early Withdrawal Penalty. We may impose a penalty if you withdrawal from your account before the maturity date.
Amount of Penalty. A three-month penalty of interest will be assessed on any early withdrawal on certificates of one year or less. A six-month penalty will be assessed on all certificates exceeding one year.
Contact our nearest branch or see the Deposit
Rates page of our website for current annual percentage
rates. |
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| Share
Account Fees |
| New share
savings account processing fee. . . . . . . . . . . . . . . .
. |
$1.00/Account |
| Dormant
account fee. . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . |
$5.00/Month |
(An account
is considered dormant if for two years no withdrawals or deposits,
other than credited dividends, have been made to the account.
A dormancy fee is charged against the primary share savings only
if all the share suffixes of the primary share are dormant. Minor
accounts, accounts with balances of $1,000.00 or more, or accounts
with a CD, IRA, VISA or Loan / Mortgage are not subject to the
$5 dormant account fee, however, the account is still flagged
as dormant.) |
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| Share
Draft Account Fees |
Overdraft transfer
fee how
does overdraft work . . . . . . . . . .
(Includes overdrafts for share drafts, POS, ATM and ACH) |
$3.00/Item |
| Share draft printing
fee. . . . . . . . . . . . . . . . . . . . . . . . . . . |
Prices
vary upon style |
| Copy of draft fee.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . |
$1.00/Draft |
| Line-of-Credit
Transfer Fee. . . . . . . . . . . . . . . . . . . . . . . |
No charge funds
are transferred
from the available credit
on the credit line to your draft
account in $100
increments.
Transfers are not permitted on
credit lines that are past due.
|
|
| Stop payment fee (member
items, ACH). . . . . . . . . . . . |
$10.00/Item |
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| Visa
Check Card Fee |
Visa check
card fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
(Can be Waived - See Visa Check Card Fees Below) |
FREE |
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| Other
Service Fees (Applicable to all accounts) |
| Account reconciliation
fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . |
$12.00/hr,
$6.00 minimum |
| Account research fee.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . |
$12.00/hr,
$6.00 minimum |
| Wire fee (Incoming
/ Outgoing). . . . . . . . . . . . . . . . . . . . . . . . |
$10.00
/ $15.00 minimum |
| Overnight shipping
fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. |
$20.00
minimum |
| Statement copy fee.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . |
$2.00
/page |
| Stop payment on official
checks or ACH. . . . . . . . . . . . . . . . |
$10.00
/ item |
| NSF fee. . . . .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . |
$25.00
/ item |
| (Includes
share drafts, phone drafts, all POS, ATM, internet billpayer and
ACH Debits) |
| Courtesy pay fee.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . |
$25.00
/ item |
| (Includes
share drafts, phone drafts, all POS, ATM, internet billpayer and
ACH Debits) |
| Returned item fee/uncollected
funds fee. . . . . . . . . . . . . . . . . |
$10.00
/ item |
| Internet BillPayer
fees (On-Line bill payments). . . . . . . . . . . |
No
Charge |
| Bill payment (Unlimted Usage). . . . . . . . . . . . . . . . . . . . . . . . |
No
Charge |
| Check copies of on-line
bill payment. . . . . . . . . . . . . . . . . . . |
$10.00
/ check |
| Stop payment of on-line
bill payment. . . . . . . . . . . . . . . . . . . |
$12.00
/ per request |
| CU issued
official checks $1.00 per check (unless payable to the account
holder, no charge)
|
| Account history print-out
(limited to 2 weeks). . . . . . . . . . . . . |
$1.00 |
| Return mail fee. .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . |
$3.00/item |
| Nonmember Check Cashing Fee .
. . |
$1.00 per $100 |
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| Credit
Union Membership |
| Membership share.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . |
$5.00
par value |
| Membership fee. .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . |
$1.00
(processing fee) |
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ATM
& POS Fees
Standard ATM Card |
| ATM
not owned by CFPCU |
CU24 |
STAR |
PULSE
/ PRESTO |
| Withdrawal.
. . . . . . . . . . . . . . . . . . . . . |
FREE |
$1.00 |
$1.00 |
| Transfer.
. . . . . . . . . . . . . . . . . . . . . . . . |
FREE |
$1.00 |
$1.00 |
| Inquery.
. . . . . . . . . . . . . . . . . . . . . . . . . |
FREE |
$0.50 |
$0.50 |
| Point-of-sale.
. . . . . . . . . . . . . . . . . . . . |
FREE |
$0.50 |
No Charge |
| ATM Non-Member
surcharge. . . . . . . |
FREE |
$1.50 |
$1.50 |
| Visa
Check Card |
ATM Transactions.
. . . . . . . . . . . . . . . . . . . . .
(withdrawals, transfer, inquiry) |
Same
as standard ATM card |
Point-of-sale.
. . . . . . . . . . . . . . . . . . . . . . . . . .
(debit purchases with pin or signature) |
No
charge |
VISA other.
. . . . . . . . . . . . . . . . . . . . . . . . . . .
(phone/mail purchase, cash advance) |
No
charge |
| VISA check
card fee. . . . . . . . . . . . . . . . . . . . |
FREE |
Replacement
Card. . . . . . . . . . . . . . . . . . . . .
(ATM or Visa Check Card) |
$5.00
/ card |
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