AAFCU - Current Fees

NOTICE
Effective March 1, 2008 the following changes to our Basic Checking account will be in effect:

The dividend rate will be 0.00% APY.
3 foreign (non-AAFCU) ATM transactions fees per month will be waived.

Fee Schedule

Topics on this Page

Savings and Checking Account Fees
e@dvantage (Electronic Checking Account) Fees
Direct Pay Fees
Bill Payer Fees
Checking Advantage Fees
Negotiable Item Fees
ATM, Visa Check and Visa Credit Card Transactions Fees
Collection Fees
Miscellaneous Transaction Fees

Savings and Checking Accounts

Fee Type	Fee Amount
Business Share Draft Account	$7.00/month
Draft Printing	varies by style of draft ordered
Temporary Drafts	12 for $5.00
Deposit Checks (and other items) Returned Unpaid	$30.00
Overdraft Privilege Service	$30.00
Non-sufficient Funds Check Card Purchase	$30.00
Non-sufficient Funds Draft (paid or returned)	$30.00
Non-sufficient Funds ATM withdrawal	$30.00
Non-sufficient Funds Pre-Authorized Withdrawal	$30.00
Statement Copy - current month free	$2.00
Account Research	$25.00/hour (1/2 hour minimum)
Account Balancing Assistance (after the first assistance)	$20.00/hour
Stop Payment - Draft	$30.00 per item
Stop Payment - Credit Union Issue Draft	$30.00 per item
Stop Payment - ACH Payment	$30.00 per item
Copy of Credit Union Issued Draft	$3.00
Re-Open Fee (within 6 months)	$25.00
Close account within six months of opening	$10.00
Check Cashing - Non-Members	$5.00
Verification of deposit	$15.00
Signature Guarantee	$5.00/transaction

All fees are subject to change.

e@dvantage (Electronic Checking Account)

Fee Type	Fee Amount
Account Fee (if average daily balance falls below $500.00)	$5.00/month
Check Writing Fee (first 20 cleared checks/month processed at no charge)	$0.10/check
Teller/Call Center Assisted Transactions*
Transfers, Balance Inquiries, Deposits and Withdrawals*	$2.00/transaction
Check Cashing	$2.00/transaction

* No teller fees are incurred if electronic delivery systems are not operational.

Direct Pay

Fee Type	Fee Amount
Service Fee	$5.00

Bill Payer

Fee Type	Fee Amount
Service / personal account	None
Service / business account	$4.95/month
Per Item Fee / personal account	None
Per Item Fee / business account*	$0.50
Bill Payer - Overdraft Fee	$30.00
Bill Payer - Stop Payment	$30.00
Research Fee	$18.00/inquiry
Check Copies	$20.00/check

^*First 10 items per month processed at no charge.

Checking Advantage

Fee Type	Fee Amount
Checking Advantage Fee (if less than 50 years old)	$5.00/month
Peak Advantage Fee (if age 50 or better)	$4.00/month

Negotiable Items

Fee Type	Fee Amount
Teller Checks	$2.00/check
Money Orders	$2.00 per item
Travelers Cheques - Single Signature	$1.00 per $100.00
Travelers Cheques - Checks for Two	$1.00 per $100.00

ATM, Visa^® Check and Visa Credit Card Transactions

Fee Type	Fee Amount
ATM, Visa Check and Visa Credit Card	no annual fee
ATM/VISA Check Card - Lost or Stolen Card Replacement	$10.00
ATM/VISA Check Card - Rush Pin or Card	$35.00 per card
ATM/VISA Check Card - Reissue Pin or Card	$5.00 per card
ATM/VISA Check Card Special Handling Fee	$10.00
Visa Check Card Sales Draft Copy	$12.00
Merchant Card Capture	$65.00
Foreign* ATM Transaction Fee – MAX Checking (S12)	$2.00/transaction. If account requirements** met, up to $25.00 per monthly cycle refunded (limited to $4.99 per item). See separate Account Requirements disclosure.
Foreign* ATM Transaction Fee – e@dvantage Checking (S11)	No charge
Foreign* ATM Transaction Fee – Basic Checking (S08)	$2.00/transaction (First 3 per month-no charge)
Foreign* ATM Transaction Fee – All other accounts	$2.00/transaction (First 5 per month-no charge)
Empty Deposit Envelope	$30.00

*Foreign = not owned by AAFCU

**Requirements each monthly cycle are as follows (all three must be met): 1. Active enrollment in E-Statements 2. 12 signature-based (credit) check card transactions 3. One direct deposit or ACH auto debit.

Collections

Fee Type	Fee Amount
Collection item (incoming)	$5.00
Collection item (outgoing)	$5.00
Levies/Garnishments	$50.00
Loan Extension	$25.00

Miscellaneous Transactions

Fee Type	Fee Amount
Wire Transfer - Out Going	$20.00 per item
Wire Transfer - Foreign	$45.00 per item
Wire Transfer - Western Union	$25.00 per item
Copy of Draft (written on member account)	$3.00
Dormant Account fee*	$5.00/month
Locator Fee	$10.00
Photo Copy Fee	$0.10/copy
Safety Deposit Box - Lost Key Replacement	lost key (1 key) $15.00
Safety Deposit Box - Lost Key Replacement	lost key (2 keys)$100.00
Coin Processing - Non-Members	8% of coin processed
Notary Service	$3.00/document
Photocopies	$0.25

All Fees are subject to change.

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