| Fees appearing in this table are accurate and effective as of August 2004. If you have any questions on your account, please call GCM Federal Credit Union at (651) 646-2008. |
| Draft/Checking Account Fees |
| Minimum Amount Needed to Open a Checking Account |
$50.00 |
| Clear 1-24 Drafts per Month (n/a to Prime Advantage Checking) |
no charge |
| Clear 24 or More Drafts per Month (n/a to Prime Advantage Checking) |
$0.35 per draft |
| Overdraft Fee - Item is Paid via Draft, ACH, ATM |
$30.00 per item |
| NSF Fee - Item is Returned via Draft, ACH, ATM |
$20.00 per item |
| Stop Payment Fee for Drafts and ACH (including Savings) |
$20.00 per request |
| Check Printing Fee |
Varies with style |
| Draft Copy/Photo Request Fee |
$5.00 per copy |
|
ATM/Debit Card Fees |
| ATM/Debit Card Reissue Fee |
$10.00 |
| ATM/Debit PIN Reissue Fee |
$5.00 |
| Rush Order for ATM/Debit Card |
$5.00 |
| ATM/Debit Card Overdraft Fee |
$20.00 per day |
| ATM Withdrawal Fee (Members may be subject to surcharges levied by ATM owners.) |
5 free withdrawals per month, 6 or more in a month $1.50 each |
|
Loan Fees |
| Skip a Month Loan Payment |
$35.00 per loan per year |
| Loan Late Fee |
$15.00 |
| Loan Payoff Statement |
$10.00 |
| Loan Payment Check Return Fee |
$15.00 |
| Loan Refinanced at Lower Interest Rate Fee |
$50.00 or minimum of $200.00 loan advance |
| Reissuing a Lien Release |
$5.00 per occurrence |
| Perfecting the Lien of Collateral |
Member pays -fee varies |
|
Other Service Fees |
| Outgoing Wire Transfer Including Western Union |
$20.00 per transfer |
| International Wire Transfer |
$50.00 per transfer |
| Teller/Certified Check Made Payable to Self |
Free |
| Teller/Certified Check Made Payable to a 3rd Party |
$2.00 per check |
| Stop Payment on Teller/Certified Checks |
Free but must wait 90 days to reissue |
| Items Sent for Collection |
$20.00 per item |
| Money Orders |
$1.00 per money order |
| Travelers Check for One |
Free |
| Travelers Check for Two |
$1.00 per $100 |
| Account Reconciliation and Research |
$25.00 per hour, one hour minimum |
| Statement Copy Fee |
$10.00 per copy |
| Non-deliverable Mail Fee |
$15.00 per item |
| Annual Union Dues Check Off Fee |
$10.00 |
| NSF Union Dues Fee |
$10.00 per occurrence |
| Check Cashing Fee if the Account with GCM is Less than $100.00 |
$5.00 per visit |
| Overnight Courier |
$25.00 |
| Levy/Garnishment |
$25.00 |
| Account Closed by Member within 90 Days of Opening the Account |
$10.00 |
| Notary Service |
Free |
| NADA Car, Boat, Recreational Vehicle Quotes (www.nada.com) |
Free |
