| FEE NAME | AMOUNT |
| Administrative Fee (re-opening account) | $5.00 |
| Account reconciliation and research fee | $20/hr. min 1 hr. |
| ATM Transaction Fee | $1.00/each transaction |
| ATM/Visa Debit Card Replacement/Pin Number Re-Order | $5.00/per item |
| Outgoing Wire Fee | $20.00/per item |
| Cashier’s Check | $2.50/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 |
| Checking account overdraft protection one-time opt-in fee | $25.00 |
| Christmas Club Penalty Fee | $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 | $4.00/each |
| Credit Review Service Fee | $8.00/each |
| Debit Card Replacement Rush Fee | $90.00/each |
| Dormant Account Fee/Quarter (inactivity over 3 years) | $10.00/Quarter |
| Dormant Disposal Fee (final unclaimed property) | $25.00 |
| Excessive Withdrawal Fee (6/month on shares) | $1.50/per item |
| Extreme Checking Account Fee | $6.00/monthly |
| Incoming Wire Fee | $10.00/per item |
| International Wire Fee | $50.00/per item |
| IRA Minimum Requirement Deposit | $50.00 |
| Levy or Lien Fee | $10.00/each |
| Loan Deferral Program Fee | $30.00/per loan |
| Money Market Service Charge (if balance falls below $2500 during the month) | $12.00/monthly |
| Money Orders | $2.00/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) | $32.00/per item |
| Opportunity Checking Account Fee | $7.00/monthly |
| Opportunity Checking Account one-time opening fee | $25.00 |
| Overdraft Transfer Fee | $2.00/per item |
| Primary Share Minimum Balance Requirement Deposit | $20.00 |
| Print Out of Account | $3.00/per Month |
| Return Check Fee/1st Party | $32.00/per item |
| Return Check Fee/3rd Party | $25.00/per item |
| Return Mail Fee | $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 |
| Stop Payment Fee | $30.00/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 |
| Rate Modification (Existing Loans) | $50.00/per loan |
| In House Refinance (Existing Loans/no cash out) | 2% of remaining balance |
| Bill Pay Cost | 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. |
| Popmoney (Pay People) Fees (see right) | This service is available within CheckFree RXP bill pay, and it allows your subscribers to pay individuals by using their email address or cell phone number. Payments are remitted electronically. Cut off times are 10 pm ET for Next business day payments, 1 am ET for 3 business day payments. $2.00-Send Money-Next Day Delivery $1.00-Send Money-3 Day (Standard Delivery) $35.00-Stop Payment $1.00-Request Money $0.25-eGreeting |
| Texas People Mastercard Annual Fees | |
| Transaction 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 | $5.00 |
