FEES. Fees are subject to change. Contact us for the most current information regarding fees. The following fees and charges are applicable to your account(s), services, and/or transactions, as of January 1, 2021.1

Savings Account

Account Closure Fee (if closed within 90 days of opening) $5.00
Insufficient Funds Fee2  
Amount of item is greater than $3.00 $32.00/occurrence
Amount of item is $3.00 or less No charge
Excessive Draft Return Fee
(This account is not considered a transaction account. Federal regulations limit automatic transfers, checks and drafts to six each month. There is no limit to the number of over the counter or ATM transactions you can make on this account.)
$32.00/occurrence

Checking Account

Insufficient Funds and Founders Privilege Fees2  
Amount of item is greater than $3.00 $32.00/occurrence
Amount of item is $3.00 or less No charge
Stop Payment Fee $32.00/item

Money Market Plus

Insufficient Funds Fee2  
Amount of item is greater than $3.00 $32.00/occurrence
Amount of item is $3.00 or less No charge
Stop Payment Fee $32.00/item
Excessive Draft Return Fee
(This account is not considered a transaction account. Federal regulations limit automatic transfers, checks and drafts to six each month. There is no limit to the number of over-the-counter or ATM transactions you can make on this account.)
$32.00/occurrence

Plastic Cards

ATM owned by Founders FCU No charge
Foreign ATM balance inquiry or transfer $1.00 each
Foreign ATM withdrawal $2.00 each
Point of Sale Debit No charge
Fee on Cross-border transactions 1% of transaction
Late Fee on Credit Cards up to $32.00
Copy of sales receipt - non-fraud requests $5.00
Card Rush Fee $20.00
Insufficient Funds Fee2  
Amount of item is greater than $3.00 $32.00/occurrence
Amount of item is $3.00 or less No charge
ATM/Debit Card Replacement Fee $7.00/card

Daily limits:
 
ATM Withdrawals $500.00/day
Debit Card Purchase Transactions 30/day
Debit Card Point of Sale (Signature/PIN) (Excludes Prepaid Cards) $10,000.00/day

Founders Online and Bill Pay

Bill Pay:  
Insufficient Funds Fee2  
Amount of item is greater than $3.00 $32.00/occurrence
Amount of item is $3.00 or less No charge
Stop Payment and Reissue Fee $32.00/payment

Networks Available for EFT/ATM Transactions

VisaSTAR PLUS CO-OP ATM

Research/Copy Fees

Research (any account) $20.00/hour
Statement Copies $2.00/item
Check copies (two free per month) $2.00/check
Credit Card statement/check copies $2.00/item

Safe Deposit Box

(Fees charged annually.)

3x5 $30.00/box
5x5 $35.00/box
3x10 $40.00/box
5x10 $55.00/box
10x10 $95.00/box

Other Fees

Wire Transfers  
Domestic Incoming $10.00/transfer
Domestic Outgoing $10.00/transfer
International Incoming $30.00/transfer
International Outgoing $30.00/transfer
Corporate Check $2.00/check
Notary Service No charge
Returned Item Fee3 $10.00/occurrence
Check Printing/Delivery Charge Varies per vendor
Approved Check Vendor Harland Clarke
Levies/Garnishments $50.00/occurrence
Statement by Mail $2.00/statement
Account Verification Request $20.00/request
Non-Member On Us Check Cashing Fee $8.00/item
Non-Member Check Replacement Fee $8.00/item
Dormant Account Fee4 $25.00/month
Incorrect Address Fee $10.00/month
Business Account Fee $25.00/month

Note: If not specified above, all other member fees apply.

1 These fees may be deducted from any Credit Union Account.
2 Insufficient Funds Fee (NSF, Paid NSF, Visa Debit Paid Over, Founders Privilege Fee): This fee applies to transactions created by Check, in-person withdrawal, ATM withdrawal or other electronic means, Visa Convenience Checks, and Home Equity Lines of Credit Checks. This fee includes but is not limited to returned checks, returned automated draft items, and paid over items. The fee will be charged each time an item is presented and returned which may result in more than one NSF fee for the same item.
3 This fee will be charged if you deposit, make a loan payment or cash a check through your account which is returned for any reason. This fee will be charged each time an item is presented and returned which may result in more than one NSF fee for the same item.
4 Dormant Accounts: Accounts with no member-generated activity in a 21-month period. On these accounts, fees will be charged until the account is closed or the member contacts the Credit Union. This fee may be deducted from any Credit Union account.

2021-01-FL1001756 Fee Schedule
COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.