Fee Schedule
Checking, Overdraft and Return Items
| Fee amount | |
|---|---|
| Copies of cleared checks* | $1 |
| Cost of checks | Prices vary with quantity, style, and design |
| Return item fee*** | $20/per presentment of item but we will refund all return item fees each night prior to the start of the next business day. |
| Overdraft fee** | $20/item |
| Stop payment* | $29 |
| Temporary checks* | $2/pack of 8 |
Wire Transfers
| Fee amount | |
|---|---|
| Domestic wire | Outgoing = $20 Incoming = $10 |
| International wire | Outgoing = $40 Incoming = $10 |
| Western Union® | Fees may vary based on amount sent and destination |
Check Issue
| Fee amount | |
|---|---|
| Cashier's check* | To member or joint member = no charge To secondary-party = $3 each |
| Money orders | $3 each |
ATM
| Fee amount | |
|---|---|
| ATM transactions | No surcharge at SHAZAM® Privileged Status network ATMs. $1.50/withdrawal after the first 10 withdrawals at non-Veridian ATMs. ATMs not owned by Veridian or outside of the SHAZAM Privileged Status network may add a surcharge. |
| Card replacement* | $10 |
| Expedited card replacement* | $50 |
Statement/Account Assistance
| Fee amount | |
|---|---|
| Copy of statement* | $2/statement |
| Statement reconciliation* | $15/hour Maximum history of three months |
Traditional & Premier Money Market Accounts
| Fee amount | |
|---|---|
| Limitations/Reg D excess fees | $5/withdrawal. Limited to no more than six total electronic withdrawals per month including online banking, automatic withdrawals, overdraft protection transfers and Member Contact Center and Tellerphone transactions from member’s account to another account before fee applies. |
IRA
| Fee amount | |
|---|---|
| Outgoing IRA transfer (Does not apply to transfers to Veridian Investment Services) | $10 |
Health Savings Account (HSA)
| Fee amount | |
|---|---|
| Monthly service | $2 |
VISA® Debit Card
| Fee amount | |
|---|---|
| Card replacement fee | $10* |
| Expedited card replacement fee | $50* |
VISA® Credit Cards
| Fee amount | |
|---|---|
| Annual Percentage Rate | Variable† |
| Annual fee | None |
| Grace period | 25 days |
| Card replacement | $10* |
| Expedited card replacement | $50* |
| Payments over 15 days late | $15 |
| Returned payment | $15 |
Safe Deposit Boxes
| Fee amount | |
|---|---|
| 3" x 5" x 22" | $35/year |
| 5" x 5" x 22" | $40/year |
| 3" x 10" x 22" | $45/year |
| 5" x 10" x 22" | $50/year |
| 10" x 10" x 22" | $70/year |
| Lost key Drilling charge |
Member will be assessed actual cost* If both keys are lost, owner will pay the actual cost to open box. |
Miscellaneous
| Fee amount | |
|---|---|
| Foreign exchanges | Exchange or purchase of currency = member assessed actual charge Exchange of checks or traveler's checks = member assessed actual charge |
| Address research | $5/quarter if statement is returned twice for incorrect address |
| Lien subordination | $25 |
| Maintenance | $15 (Fee charge on accounts with no activity for more than 12 months, age 18 or over, with no safe deposit box. |
| Below membership requirement | Remaining balance will be withdrawn for accounts under $5 minimum membership requirement (member notified in writing prior to fee assessment) |
| Loan payment by phone | $15 |
| Levy/garnishment | $50 |
| Verification of deposits | $10 |
| Member cashing non-member check | $5 per qualified check |
| Non-member coin counting | 5% of counted coin |
| Non-member notary | $5 |
| Overnight Documents | Member Assessed Charge |
*Sales tax may apply.
**Your account may be subject to a charge each time an item is presented for payment regardless of whether we pay or return the item. You may be charged a fee each time an item is presented for payment, even if the same item is presented for payment multiple times. There is a maximum total of $80 per day in combined overdraft and return items fees per account.
***Although return item fees will be charged to your account and will reduce your account balance when charged, including impacting your ability to make payments and access funds, we will refund all return item fees each night prior to the start of the next business day. We reserve the right to change the timing of any such refund due to circumstances beyond our control including, but not limited to, network, electrical or equipment delays or failure.
This credit union is federally insured by the National Credit Union Administration.
†APR = Annual Percentage Rate. Rates for the Visa Signature, Visa Platinum and Visa Platinum Rewards cards are determined by adding 4.9% to 15.9% to the Prime Rate as published under “Money Rates” in The Wall Street Journal. Current Veridian credit card rates range from 12.90% to 18%. Maximum APR is 18%. Possible fees: foreign transaction fee is 1% of each transaction. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, card type, and market. All loans subject to approval. See Veridian for details.