Fee Disclosure

The "General Fees" may be charged to any type of IMCU account.

General Fees

                                                

NSF Check Deposit Fees:

 

 NSF Check Dep

$8.00 

 NSF Check Dep 2x

$32.00 

 NSF Ck Dep Bus

$32.00 

 NSF Ck Dep Self

$32.00 

 NSF Check Reclear

$5.00 

Foreign Ck Dep

$7.00 

Dep Ck Copy Fee

$5.00 

Tran Voucher Fee

$5.00 

Phone Transfer

$3.00

Statement Copy

$5.00 

History Copy

$3.00

 Doc Research Fee

$32.00/hour 

 Notary Fee (if over 10 pages/mo.)

$2.00/page 

 Wire In Fee

$10.00 

 Wire Transfer Fees:

 

 Wire Out in USA

$25.00 

 Wire Out Foreign

$75.00 

EFT Stop Payment

$32.00 

EFT NSF Fee

$32.00 

Legal Fee

$50.00 

Money Order Fee

$2.00 

Cashiers Check Fee

$5.00 

VOD Fee

$10.00 

Coin DepFee

7% of amount 

Collection Item (svc for non-member businesses, only after 1st presentment)

$10.00 

CK Cashing Fee

$3.00 

FI2FI Trnsfr Fee

$1.00 

FI2FI NSF Fee

$32.00 

P2P Transfer Fee

$1.00 

Remote Dep Fee (per check deposited via mobile device)

$.50 

Paper Statement Fee (exempt if under age 18 & over age 60)

$2.00 

Reg D Fee (eff. 5/1/14)(See Regulation D limitations on page 2 of Account Agreement and Disclosure)

$5.00 

Savings Account Fees

                                                

Excess WD Fee (above 3 per mo.)

$3.00

Re-Open Acct Fee

$15.00 

Bad Address Fee

$1.00/mo. 

Dormant Account Charge (no activity for 36 months, balance less than $1,000)

$5.00 

Locator Fee (annual fee for accounts with bad address and no activity during June)

$32.00 

Low Balance Fee (under $2,500 in Money Market at month-end)

$5.00/mo. 

Checking Account Fees

                                                

NSF Clearing Fee (created by checks or electronic debits)

$32.00

Returned Ck Fee

$32.00 

Stop Payment Fees:

 

regular or mass stop payment with signed form

$32.00 

regular or mass stop payment by phone ($13 refunded when signed form received)

$45.00 

 Transfer Fee (overdraft protection)

$6.00 

Check Copy Fees:

 

with clearing date

$2.00 

 with no clearing date or trace #

$4.00 

 Check Recon Fee ($16 min.)

$32.00/hr. 

Re-Open Account Fee

$15.00 

Service Charge (under $1,000 in Preferred Checking)

$5.00 

 Inactivity Fee (no activity for 6 months)

$5.00/mo. 

Check Printing Charge

Varies 

Fresh Start Checking

 

Frsh Strt Set-Up

$25.00 

Frsh Strt Fee

$10.00/mo. 

Business Checking Fees (see separate Fee Disclosure)

 

Debit & ATM Card Fees

                                                

Chargeback Fee

$32.00

Card Reissue Fee

$8.00 

Debit/ATM NSF

$32.00 

ATM Transaction Fees:

 

Transactions at IMCU, Allpoint and Alliance One Network ATMs

Free 

Transactions at Other ATMs:

 

Deposits

Free

ATM Withdraw Fee

$2.50 

ATM Transfer Fee

$2.50 

ATM Inquiry Fee

$2.50 

Eff. 1/1/17  Subject to change.