Fee Schedule
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 March 23, 2023.1
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 |
| Fresh Start Fee | $10.00/month |
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 $35.00 |
| Returned Payment on Credit Cards | up to $35.00 |
| 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 |
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 |
| 7x10 | $70.00/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, Debit Paid Over, Founders Privilege Fee): This fee applies to transactions created by Check, in-person withdrawal, ATM withdrawal or other electronic means, 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.
2022-02-FL1001756 Fee Schedule
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