Fee Schedule

The rates and fees appearing in the Schedule are accurate and effective for accounts as of the Effective Date indicated below. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union or email service@njsuburbanfcu.org.

Effective Date: March 1, 2017

Savings Accounts

Vacation Club

Early Withdrawal Fee/Early Closure $7.50

Checking Account Fees

Overdraft

$45.00 per item.

Overdraft protection for ACHs and share drafts

$6.00 per notice.

NSF

$45.00 per item.

Returned Item

$45.00 per item.

Stop Payment

$20.00 per check.

Check Printing

Prices may vary depending upon style ordered.

Copy of Check

$5.00 per copy.

Christmas Club Account Fees

Early Closeout

Early Withdrawal Fee/Early Closure $7.50.

Other Service Fees (applicable to all accounts)

Account Reconciliation

$50.00 per hour.

Account Research

$50.00 per hour.

Deposited Item Return

$16.00 per item.

Home Banking Inactive Fee

If you have not logged on to Home Banking after Six (6) months, you will be charged $2

Outgoing Wire Domestic

$25.00 per transfer.

Outgoing Wire International

$40.00 per transfer.

Legal Process

$100.00 per notice.

Lien or Levy

$100.00 per notice.

Minimum balance fee

Must maintain $100.00 under member number at all times. If you donít you will be charged $2.00 for e-statements and $4.00 for paper statements.

Negative Balance Fee

If a transaction causes your account to have a negative balance and you receive a notice informing you that a transaction has caused you to have a negative balance, you will be charged $2.00 per notice.

Stop Payment of Withdrawal Check

$20.00 per item.

Re-deposited Item

$16.00 per item.

Copy of Withdrawal Check/ or Regular statement

$5.00 per copy.

Copy of Interim Statement

$5.00 per statement.

Account History

$1.00 per screen.

Money Order

$4.00.

Cashiers Check

$4.00.

Western Union Money Order

$20.00 item.

Remail of W-9 Form

$6.00 per item.

Excessive Withdrawal
(Primary Savings, Other Savings,
and Vacation Club)

$2.00 on the fourth withdrawal per quarter and balance is below $250.00.

Copy of a Check Deposited Into Your Account

$6 per item.

IRS Backup Withholding

$100.00 per notice.

Dormant Account

$7.50 per month if all of the following apply:
• Member number has been dormant for at least twelve months
• Combined balances under the member number, including IRAs, is below $150.00
• There are no outstanding loans or credit cards under the member number.

Locating Fee (for any correspondence returned for incorrect address)

$3.00

Return statement fee (when statement is returned to us that the post office cannot forward)

$3.00

Re-open closed account fee (if any closed share type is reopened within 6 months from date it was closed)

$5.00

Electronic Funds Transfer Fees

ATM/VISA Check Card Annual Fee

$16.00.

Replacement of VISA/ATM Card

$7.00.

Remail of VISA/ATM PIN Number

$2.00 per mailer.

ATM Transaction

Six (6) free, thereafter $2.00 per item if combined balances in the primary savings & checking falls below $2,500.00 during month.

Debit card overdraft protection

$4.00 per item if member has opted in the service; members that are opted out do not have overdraft protection for debit card transactions

PAM (Personal Account Manager) with E-statements

E-statement is free (if signed up for PAM). If inactive for 6 months the fee is $3.00 per month.

PAM (Personal Account Manager) without  E-statements

$2.00 per paper statement.

Audio Response

Six (6) free sessions per month, $0.50 thereafter.

PAM (Personal Account Manager) & Bill Pay

FREE

Copy of Bill Pay Check/ACH

$8.00 per item.

Search PAM (Personal Account Manager) Items

$35.00 per hour.

Overdraft

$45.00 per item.

Overdraft protection for ACHs and share drafts

$4.00 per notice.

NSF

$45.00 per item.

Returned Item

$45.00 per item.

Credit Union Membership

Membership Share

$25.00 par value.

Sunrise Checking (50+) Account Fees

Overdraft

$45.00 per item.

Overdraft protection for ACHs and share drafts

$6.00 per notice.

NSF

$45.00 per item.

Returned Item

$45.00 per item.

Stop Payment

$20.00.

Check Printing

Standard checks are FREE

Copy of Check

$5.00 per copy.

Silver Money Market Savings Account Fees

Withdrawals, Transfers out and Electronic withdrawals combined per month,
six (6), $1.00 per item thereafter.

Minimum Balance Fee

$10.00 if the balance falls below $2,500 during the month

Silver Money Market Checking Account Fees

Overdraft

$45.00 per item.

Overdraft protection for ACHs and share drafts

$6.00 per notice.

NSF

$45.00 per item.

Returned Item

$45.00 per item.

Stop Payment

$20.00 per check

Check Printing

1/2 price on standard checks

Copy of Check

$5.00 per copy.

Withdrawals, Transfers out and Electronic withdrawals and Checks combined
per month, six (6), $1.00 per item thereafter.

Minimum Balance Fee

$10.00 if the balance falls below $2,500 during the month

Gold Money Market Savings Account Fees

Withdrawals, Transfers out and Electronic withdrawals combined per month,
six (6), $1.00 per item thereafter.

Minimum Balance Fee

$15.00 if the balance falls below $10,000 during the month

Gold Money Market Checking Account Fees

Overdraft

$45.00 per item.

Overdraft protection for ACHs and share drafts

$6.00 per notice.

NSF

$45.00 per item.

Returned Item

$45.00 per item.

Stop Payment

$20.00 per check

Check Printing

Standard checks FREE

Copy of Check

$5.00 per copy.

Withdrawals, Transfers out and Electronic withdrawals and Checks combined
per month, six (6), $1.00 per item thereafter.

Minimum Balance Fee

$15.00 if the balance falls below $10,000 during the month

IRA savings / CD Fees

Pre-59 1/2 Withdraw fee (excluding rollover or direct transfer)

$25.00 per item.

Other Service Fees:

 

Account Closure:

$5.00 if closed within a 6-months of opening account.

Check cashing (non-member):

$2.50 if non-member wants to cash a members check.

 

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