Augusta Seaboard Community FCU
 




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Fees Schedule
Effective December 2012

The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

Share Savings
Early Christmas Club WIthdrawal fee:
$10 per withdrawal
Excessive Withdrawal fee from Savings:
$5 per withdrawal after 4 in a quarter
Excessive Withdrawal fee from Money Market:
$10 per withdrawal after 4 in a quarter
Share Draft Checking

Monthly service charge fee:

$5 for all members under the age of 55
(No fee on accounts with direct deposit)

Microfilm copy of check fee:

$3.50 per check

Check printing fee:

Pricing depends upon style

NSF fee:

$35 per item

Stop Payment fee:

$30 per request

Overdraft fee:

$5.00
Other Services

Account Reconciliation fee:

$10 per hour

Account Research fee:

$10 per hour

Deposited Item Return fee:

$40 per item
Membership

Membership fee:

$5 one time fee

Membership Share:

$25 per value
Loans

Credit Bureau fee for Individuals:

$10 per loan application

Credit Bureau fee for Joint Applicants:

$20 per loan application
Debit Card

Replacement Card fee:

$10.00
PIN Replacement Fee: $10.00

Withdrawal fee:

$1 per use

Debit/PIN Transactions:

$0.25 per use

Foreign ATM Fees

$1 per use


TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES

Except as specifically described, the following disclosures apply to all of the accounts.

  1. Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and the frequency of compounding for an annual period. For all accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors.
  2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
  3. Dividend Compounding and Crediting. The compounding and crediting of dividends and dividend period applicable to each account are set forth in the Rate Schedule. The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule.
  4. Accrual of Dividends. For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.
  5. Balance Information. The minimum balance requirement applicable to each account are set forth in the Rate Schedule. For Share Savings accounts, there is a minimum average daily balance required to obtain the Annual Percentage Yield for the dividend period. If the minimum average daily balance is not met, you will not earn the stated Annual Percentage Yield. For all accounts using an Average Daily Balance method, dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.
  6. Account limitations. For Share Savings accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft. or debit card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed. For Share Draft, Share-IRA, and Christmas Club accounts, no account limitations apply.
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