Effective January 1, 2016

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


*Includes Custom and Grad Student Summer Savings Account    



Share Draft Checking Account Fees:

   

Minimum Balance Fee

No Minimum Balance Requirement           

Share Draft (Check) Printing & Shipping WITH e-statements, Visa Check Card, and Bill Pay services

One box (JHFCU Custom Checks) free every calendar year       

Share Draft (Check) Printing & Shipping WITHOUT e-statements, Visa Check 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

$3 each

Visa Debit Overdraft Transfer from Savings

$3 per Visa debit transaction






ATM/Visa Check Card Fees for JHFCU Cardholders:

   

ATM/Visa Check Card Monthly fee

$0

ATM Cash Withdrawals (in network ATMs only)

Unlimited free withdrawals at in-network ATMs

In-network includes all JHFCU, CU24 & 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

$5 each, for expedited e-payment (if available for payee)

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

Foreign Currency Shipment Fee (in branch pick-up)

$15 each

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
$20 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

$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

Card Replacement Fee

$15 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



Federally Insured by NCUA