Fees

Olympia Credit Union

Development Topaz Sapphire Emerald

Account Fees (Topaz):

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	FREE
Cashier's Checks (1 free per day)	$ 2.00 each
Money Order	$ 2.00 each
Western Union Money Order	Varies

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 (First 3 FREE per month)	$ 3.00
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
American Express Travelers' Check Card	$14.95
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
Foreign Wire SWIFT Confirmation	$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
Key Replacement	$10.00

Bill Payer Fees:

Monthly Fee	$ 4.95
Copy of Bill Payer Check (FREE via Home Banking)	$10.00
Stop Pay of Bill Payer Check	$25.00

Loan Fees:

Copy of VISA receipt	$15.00
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
Reconciling Account Beyond 1 month	$30.00/hr; 1/2 hr min
Research Fee	$30.00/hr; 1/2 hr min
Fax Transmission-Local (incoming/outgoing)	$ 1.00/page
Fax Transmission-Long Distance (incoming/outgoing)	$ 2.00/page
Photocopies	FREE
Corporate Check Conversion	FREE
Hand Processing Incorrectly Encoded Check	$ 3.00
Home Banking	FREE
Notary Fee	$ 3.00/signature
Garnishment/Levy/Order to Withhold	$20.00/request
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
Sapphirre = 4 - 6 services			Sapphire account fee waived
Emerald = 7 or more services			Emerald account fee waived

*Dividends will not be paid on dormant accounts
**FREE with Checking, debit card, direct deposit and combined savings and loan balance of $10,000.00 or more.
NOTE: Any costs incurred other than normal transaction costs, i.e. long distance phone verifications/calls, special mail requests, etc. are paid by the member
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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