Fees

Effective December 1, 2017

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 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, 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 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

Federally Insured by NCUA