Fees

Olympia Credit Union

Development Topaz Sapphire Emerald

Account Fees (Development):

Account Closed in First 6 Months	$15.00
Dormant Account*	$ 5.00/month
Balance Below Minimum	$15.00
Account Remaining Below Minimum Balance	$10.00/month
Club Account Early Withdrawal (except scheduled disbursement)	$15.00
Annual IRA Maintenance Fee	$10.00/year
Check Cashing with Aggregate Balance Below $100.00	5% of face value $5.00 min $25.00 max
Cashier's Checks (1 free per day)	$2.00 each
Money Order	$ 2.00 each
Western Union incoming funds	$10.00
Western Union transfer - Mexico up to $5k	$25.00
Western Union transfer - International up to $10k	$50.00
Western Union transfer - Domestic up to $10k	$20.00

Checking Fees:

NSF	$30.00
Member Privilege Courtesy Pay	$30.00
Overdraft Protection Transfer from Savings or Line of Credit	$ 5.00
Deposited Check Returned Unpaid If drawn on account at other institution Deposited foreign check returned unpaid	$15.00 $30.00 $30.00
Checking Account Closed by Credit Union	$25.00
Stop Pay on Member Check Through home banking or credit union connection	$25.00 $15.00
Stop Pay on Corporate Check or ACH	$25.00
Reinstatement or Extension of Stop Pay	$10.00
Check Copy less than 6 mo (First 3 FREE per month)	$ 3.00
Check Copy more than 6 mo old	$8.00 each
Copy of Deposited Item	$ 3.00
Counter Checks (FREE with new account)	$ 0.50/check
Money Market Checks	$ 0.50/check
Collection Item	$20.00
Uncollected Funds	$30.00

Travelers' Check/Gift Card Fees:

American Express Travelers' Checks	1% of face value
American Express Dual Signature Travelers' Checks	2% of face value
American Express Gift Check	$ 2.00
Visa Gift Card	$ 5.00

Wire Fees:

Wire Transfer-Incoming	$10.00
Wire Transfer-Outgoing Domestic	$20.00
Wire Transfer-Outgoing International - US or Foreign Funds	$40.00
Wire Trace	$35.00

Certificate Early Withdrawal Penalties:

3-6 Month Certificate	3 months dividends
7-12 Month Certificate	6 months dividends
13-60 Month Certificate	9 months dividends

Safe Deposit Box Fees:

Safe Deposit Box	Yearly Rate Regular/Premier
3X5	$20.00/$16.00
3X10	$35.00/$28.00
5X10	$45.00/$36.00
10X10	$85/$68.00
Special Services (Key/lock replacement)	Mkt Cost from vendor

Bill Payer Fees:

Monthly Fee (FREE with enrollment of estatements thru home banking)	$ 4.95
Returned payments (i.e. wrong address to payee, stale dated checks)	$15.00 per item
Copy of Bill Payer Check (FREE via Home Banking)	$10.00
Stop Pay of Bill Payer Check	$25.00

Loan Fees:

Skip a Pay or Loan Extension	$25.00
Change in Loan Terms	$25.00
Subordination Fee	$125.00

Consumer Loan Reductions:

Loan Balance $7,500.00 or less	$100.00
Loan Balance $7,500.01-$14,999.99	$175.00
Loan Balance $15,000.00 or greater	$275.00

Merchant Bankcard Services:

VISA/Mastercard
Discount Rate

Miscellaneous Fees:

Statement Copy (FREE via Home Banking)	$ 3.00
Print Out of Account	$ 1.50/page
ATM/Debit/Credit card or PIN reissue	$ 5.00
Copy of VISA DEBIT/CREDIT receipt	$15.00
Reconciling Account Beyond 1 month	$30.00/hr; 1/2 hr min
Research Fee	$30.00/hr; 1/2 hr min
Fax Transmission-Long Distance (incoming/outgoing)	$ 2.00/page
Photocopies	FREE
Corporate Check Conversion	$15.00
Hand Processing Incorrectly Encoded Check	$ 3.00
Home Banking	FREE
Notary Fee	$ 3.00/signature
Garnishment/Levy/Order to Withhold	$20.00/request
Foreign Item Deposit	$5.00 per item
Non-endorsement of business deposits	$ 5.00/deposit

Details:
Development = savings only	Eligible active services:	x	fee applies
Topaz = 1 - 3 services	Checking, Dir. deposit, DEBIT card, Bill payer, IRA, Certificate, e-statements, Visa CREDIT card, Consumer loan, 1st Mtg, 2nd Mtg, Safe Deposit Box, Holiday/Vacation club acct, Mbr longevity (for every 10 yrs = 1 service).		Topaz account fee waived/discounted
Sapphirre = 4 - 6 services			Sapphire account fee waived/discounted
Emerald = 7 or more services			Emerald account fee waived/discounted

*Dividends will not be paid on dormant accounts.
NOTE: If your request is not already listed on this schedule it will be considered 'out of the ordinary' and you will be obligated to pay any 3rd party costs associated with your request. The Credit Union will make every effort to disclose an estimate prior to completing your 'out of the ordinary' request.
NOTE: A checking account may be closed when the balance has been in a negative status for five (5) consecutive working days.

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