| FEE NAME | AMOUNT |
| Account reconciliation and research fee | $20/hr. min 1 hr. |
| ACH Origination Return Fee | $35.00 per item |
| Administrative Fee (re-opening account) | $5.00 |
| ATM/Debit Card Replacement/Pin Number Re-Order | $5.00/per item |
| ATM/Debit Card Replacement (Rush) | $50.00 each |
| ATM Transaction Fee (non-credit union affiliated) | $1.00/each transaction |
| Cash Advance | $5.00/each transaction |
| Cashier’s Check | $3.50/each |
| CD Minimum Requirement Deposit | $1,000.00 |
| Check Cashing Fee if balance is under $100 | $3.00/per item |
| Checking Account Minimum Requirement Deposit | $100.00 |
| Christmas Club Early Withdrawal Penalty | $25.00/per item |
| Closing Account Fee less than 1 year | $20.00 |
| Copy of Paid Credit Union Issued Check | $5.00/each |
| Copy of Paid Share Draft Check | $3.00/each |
| Copy of Quarterly/Monthly Statement | $5.00/each |
| Courtesy Pay (paid up to $300) | $35.00 per item |
| Courtesy Pay One-Time Opt-In | $25.00 |
| Credit Review Service Fee | $8.00/each |
| Dormant Account Fee/Quarter (inactivity over 1 year) | $10.00/Quarter |
| Dormant Disposal Fee (final unclaimed property) | $25.00 |
| Extreme Checking Account Fee | $6.00/monthly |
| In-house Loan Refinance (no cash out/ rate & term) | 2% of remaining balance |
| Incoming Wire Fee | $10.00/per item |
| IRA Minimum Requirement Deposit | $50.00 |
| Legal Process Fee (i.e. Garnishment, Levy or Lien) | $10.00/each |
| Loan Deferral Program | $30.00/per loan/month |
| Loan Late Fee | Greater of $20 or 5% of payment |
| Money Market Service Charge – (if balance falls below $2500 during the month) | $12.00/monthly |
| Money Orders – up to $1000 | $2.50/each |
| Non-member Loan Workup | $10.00/each |
| Non-Member Notary Fee | $5.00/per service |
| Non-Member On-Us Check Cashing Fee | 2% of check amount (maximum fee charge of $50.00) |
| Non-Sufficient Funds Charge (NSF) | $35.00/per item |
| Opportunity Checking Account Fee | $7.00/monthly |
| Opportunity Checking Account one-time opening fee | $25.00 |
| Outgoing Wire Fee (Domestic) | $20.00/per item |
| Outgoing Wire Fee (International) | $50.00/per item |
| Overdraft Transfer Fee | $3.00/per item |
| Primary Share Minimum Balance Requirement Deposit | $20.00 |
| Rate Modification (Existing Loans) | $50.00/per loan |
| Return Check Fee/1st Party | $35.00/per item |
| Return Mail Fee (incorrect address ; per account) | $5.00/per item |
| Share Draft (90) Service Charge (if balance falls below $500 during the month) | $5.00/monthly |
| Statement delivered to CU | $5.00/per item |
| Statement mailed to members | $5.00 / quarter |
| eStatements – online banking | No charge |
| Stop Payment Fee | $35.00/per item |
| Temporary Checks | 4/$2.00 or 12/$5.00 |
| Vacation Club Penalty Fee | $25.00/per item |
| Western Union Fee | $20.00/per item |
| Bill Pay CheckFree RXP is FREE except for services listed below | |
| Maximum Per Payment Amount | The Maximum Per Payment amount is $10,000. The highest dollar amount that can be scheduled “per transaction. This is a Global setting for all CheckFree RXP subscribers and cannot be changed at the subscriber level. |
| FraudNet | This service monitors your subscribers’ bill pay transactions to mitigate fraud. If FraudNet flags a payment for review, FraudNet generates an alert, and that alert is worked by the Fiserv Fraud Team |
| Overnight Checks | The fee $14.95 per transaction. This service allows your subscribers to send payments overnight for a fee. The payment is remitted as a check and is sent via UPS Overnight Delivery. Once remitted, the UPS tracking number is email to the subscriber. 4 pm ET cutoff time for next business day delivery. |
| Same Day Bill Pay | The fee is $9.95 per transaction. This service allows your subscribers to schedule same day payments to select payees for a fee. The payment is remitted electronically and cannot be canceled once scheduled. The subscriber is able to identify within bill pay if their payee accepts same day payments. The cutoff time can be as late as 10 pm ET; however, can vary by biller |
| Account to Account Transfer (A2A) | Transfers; Free for inbound and$2.00 for Outbound transfers. This service allows your subscribers to transfer funds/from their checking account they have with your financial institution. The cutoff Time is 10pm ET. |
| Texas People Mastercard Annual Fees | |
| Balance Transfer | 1% or 2.00 minimum and $25.00 maximum |
| Cash Advance | 1% or 2.00 minimum and $25.00 maximum |
| Foreign Transaction | 1% of each transaction in U.S. dollars |
| Other Fees | |
| Pay by Phone-VIP Line | $5.00 |
| Statement Request | $4.00 |
| Penalty Fees | |
| Late Payment | 5% of payment due, $15.00 minimum and $25.00 maximum |
| Over-the-Credit-Limit | None |
| Returned Payment | $22.00 |
| Credit Card Replacement | $8.00 |
| Effective as of May 1, 2023 – Fees subject to change at Board discretion | |
