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Rates & Fees Consumer Fee Schedule

Consumer Fee Schedule

The rate and fees appearing in this schedule are accurate and effective for accounts as of April 27, 2012. 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

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
$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 (International) $35.00 per request
Code Wire $8.00 per transfer
Quick Cash $15.00 per request
Quick Cash (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
Traveler's Check $1.00 per $100.00, for two signatures
Inactive Account Fee $3.00 per month, after 2 years of inactivity.

Escheat Account Processing Fee
(Abandoned Account Fee)
Assessed only on accounts deemed abandoned as described by law. Abandoned accounts are accounts with no activity in 5 or more years for which we are unable to contact the account owner.

Debit Card Expedited Processing Fee $60.00

Account Fees

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 if average daily balance falls below $1,000.00.
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

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

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