Fees

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Rates

Fees

Fees

Fee Schedule

The rate and fees appearing in this schedule are accurate and effective for accounts as of
March 1, 2008. If you have any questions or require current rate and fee information on your accounts, please call the credit union. Fees are subject to change.

Service Fees
Bounce Protection Overdraft: Checks, ACH, Transactions not listed below	$25.00


Point of Sale and ATM withdrawals (tiered)
Less than $50.00 of negative account balance:	$10.00
$50.01 or greater negative account balance:	$25.00


Overdraft Protection	$ 3.00 per item
NSF Fee	$25.00 per item
Stop Payment	$25.00 per request
Check Printing	Prices may vary depending on style
Check Copy	$2.00 per item
Returned Deposits	$25.00 per item
Statement Copy	$ .25 per page
Account Research	$12.00 per hour, plus copy fee
Collection Item	$20.00 per item
Wire (Incoming)	$0.00
Wire (Outgoing)	$15.00 per transfer
Wire (Foreign)	$35.00 per transfer
Code Wire	$8.00 per transfer
CMO	$15.00 per request
CMO (International)	$35.00 per request
Check Cashing Fee Check Cashing Fee charged only if member does not have an account balance to cover the amount of check or does not have an account qualifier.	$5.00 per item **
Official Check	$3.00 per check
Money Order	$2.00 per money order
Gift Card	$3.95
Traveler's Check	$1.00 per $100.00, for two signatures
Dormancy Fee	$5.00 per month, maximum of 12 months; after 2 years of inactivity. Retroactive

Account Fees
Share Value Fee	$1.00 *


Savings Account Fees
Below Minimum Balance Fee	$3.00 per month**


Prestige Money Market Account Fees
Account Limitation Fees:
Excessive Withdrawals	$15.00 per item
Below Minimum Balance Fee	$5.00 per month


Advantage Checking Account Fees
Below Minimum Balance Fee	$10.00 per month

Electronic Funds Transfer Fees

We do not charge for any ATM transactions conducted by RFCU member's at RFCU ATMs.
Visa Check Card/Visa Credit Card Replacement card fee of $5.00 per card, for lost or stolen card.
$1.00 fee will be charged for each transaction conducted on any ATM machine other than Robins Federal Credit Union machines.
ACH Non-Post Fee $5.00 per occurrence

* At the time your account is established, Robins Federal Credit Union, on your behalf, will pay the initial $1.00 Membership Share into a General Ledger Equity Account. This account is a non-transactional, non-earning, notice account and serves only to evidence you membership in the Credit Union. Membership will be terminated six months from the close date of all service(s). Any member with the intent of redeeming their Membership Share must provide a written notice during this six month period. The Credit Union has 60 days from the day we receive your written notice to process your request.

** The fee will be waived if you have one of the account qualifiers.
    - Direct Deposit
    - Prestige Account
    - Certificate Account
    - Current loan with balance (less than 60 days delinquent)
    - Age 18 and under or 55 and up
    - Active college student

Fees

Business Fees