Fees
Share Savings Account Fees*:
Minimum Balance Fee |
$25.00 Minimum Balance Requirement $3 per month if balance falls below $25 |
|
Excess Branch Withdrawal Fee |
3 free per month, $3 per withdrawal thereafter | |
Re-opening a share account within 6 months of closing |
$30 | |
Re-opening charged-off share account |
$30 |
Share Draft Checking Account Fees:
Minimum Balance Fee |
No Minimum Balance Requirement | |
Share Draft (Check) Printing & Shipping WITH e-statements, Visa debit card, and Bill Pay services |
One box (JHFCU Custom Checks) free every calendar year | |
Share Draft (Check) Printing & Shipping WITHOUT e-statements, Visa debit card, and Bill Pay services |
Pricing for check styles and shipping charges vary – ask JHFCU representative for details | |
Transfer From Share Savings To Cover Overdraft |
$4 each |
ATM/Visa Debit Card Fees for JHFCU Cardholders:
ATM/Visa Debit Card Monthly fee |
$0 | |
ATM Cash Withdrawals (in network ATMs only) |
Unlimited free withdrawals at in-network ATMs
In-network includes all JHFCU & CO-OP Network ATMs |
|
ATM Cash Withdrawals (out of network ATMs only) |
$1.50 per Per-withdrawal (Additional surcharges charged by machine may apply) |
|
ATM Deposits |
Free, Unlimited | |
Point of Sale (POS) w/PIN Transactions |
Free, Unlimited | |
Balance Inquiry Fee |
Free | |
Fraudulent ATM Deposit Fee |
$99 each | |
Replacement Card Fee |
$15 each | |
Foreign ATM Transaction Fee |
1% of transaction amount, each |
Miscellaneous Fees applying to Savings, Checking (Share Draft), Money Market, Bill Pay, and other accounts under one account number:
Online Bill Payment |
Free, Unlimited usage | |
Expedited Bill Payment |
$25 each, for overnight mail check payment |
|
Photocopies - statements |
$5 each |
|
Check copies |
Available images free online (via Internet Branch); fee applies if image obtained from JHFCU records $3 each, after 1 free per year (no charge for check images obtained via online banking) |
|
Stop Payment Fee (official check, share draft, or Bill Pay) |
$29 per check or per series of share drafts (checks) | |
Insufficient Funds Deposited Items (returned check or ACH deposit) |
$29 each | |
Insufficient Funds Withdrawal Requests (by check, ATM, POS, Visa, or Bill Pay exceeding available balance) |
$29 each | |
Courtesy Pay Overdraft |
$29 each | |
Foreign Check Deposits |
varies - ask JHFCU representative for details | |
Returned Foreign Check Items |
varies - ask JHFCU representative | |
Incoming Wire |
Free | |
Domestic Wire Out (Branch or Fax) |
$25 each | |
Foreign Wire Out (Branch or Fax) |
$45 each | |
ATM Cash Limit Increase (Note: All requests are temporary & subject to JHFCU approval.) |
$10.00 per request - Increases are temporary & are reduced at the close of business (on the same business day) |
|
Bad Address Processing Fee |
$5 one-time | |
Dormant account fee (after 36 months of inactivity) |
$10 under $50 $30 over $50 |
|
Reconciliation Assistance |
$10 per hour | |
Account Number Change |
$30 - may be waived in fraud cases | |
Fee to Process Garnished Account |
$75 each | |
Fee to Research Branch Share Withdrawal |
$10 each | |
Certified Check Fee |
$5 each | |
Special Bill Request |
$10 per withdrawal | |
Overnight Mailing of Documents |
varies - ask JHFCU representative | |
Official Check Fee |
1 free check per day, $2.50 each additional | |
Loan Payoff Letter Fee (via fax) |
$10 each, free to mail | |
Expedited Loan Payment Fee |
$7.50 each |
Penalties For Early Withdrawals:
Holiday Club Account |
$10 each - account may be closed for excessive withdrawals | |
Education Savings Account |
one free per quarter (allowed at no charge after initial term elected) $10 each (during initial 3 or 5-year term or after 1 free per quarter) |
Credit Card Account Fees:
Statement Copies |
$5 each | |
Convenience Check Stop Payment Fee |
$29 per check or per series | |
Insufficient Funds/Returned Payment Fee |
$29 each | |
Foreign ATM Transaction Fee |
1% of transaction amount, each |
Effective December 1, 2017 | Federally Insured by NCUA